Does a Speeding Ticket Affect My Car Insurance?
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Ontario High-Risk Car Insurance: Drive Toward a Better Future
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High Risk Car Insurance
For over 30 years, Humberview Insurance Brokers has been a trusted Insurance Broker for residents of Ontario, Canada, in finding competitive rates for all types of car insurance, including specialized coverage for high risk drivers. We understand that every driver's situation is unique, especially those needing non-standard car insurance or high risk car insurance. Our commitment goes beyond just offering affordable high risk car insurance rates. We believe that a well-informed driver is a happier, safer driver, and this is particularly important for those seeking high risk car insurance quotes. Along with providing exceptional insurance deals, we offer expert advice and personalized service tailored to your specific needs. From the initial request for a high risk car insurance quote to the point where you're covered – and beyond – we're dedicated to ensuring your insurance journey is smooth, transparent, and exceptional. Contact us today to explore your options for high risk car insurance in Ontario.
Mandatory High Risk Car Insurance in Ontario
Liability
Liability portion of your car insurance policy provides protection against damage you cause to other people or their property
Direct Compensation property Damage
Covers damage to your vehicle from your own insurance company to the extent you are not at fault. (For portion you are at-fault you would need collision or all perils coverage)
Uninsured Automobile Coverage
Protects you if you are hit by an uninsured motorist or by hit and run driver. This portion will cover damage to your automobile caused by an identified uninsured motorist.
Accident Benefits
Provides compensation if you or others are hurt or killed in a car accident.
Extra Coverages You May Be Able to Add on Your High Risk Car Insurance Policy
Collision Coverage
Covers your damage to your car a result of hitting an object or another car.
Comprehensive Coverage
Covers some insured damages such as falling objects, theft and fire.
All Perils Coverage
Most extensive physical coverage for your car. Covers collision + comprehensive and better theft coverage.
Accident Forgiveness Coverage
Extra coverage that protects your driving record and your insurance rate from going up from your first at-fault accident. Typically, you need to have been insured accident free for a set number of years to qualify.
Depreciation Waiver Coverage
Gives you the purchase price of the vehicle in the event of a total loss.
Rental Vehicle Coverage
Provides you with a rental vehicle to a specified limit after an insured loss.
Regardless of the type of car insurance policy you need, the above coverages are considered standard
car insurance coverages for an Ontario auto insurance policy. Some are mandatory.
Due to high risk car insurance classification, some of these coverages may not be available. Contact
an Ontario high risk car insurance broker to find out what coverages you may be eligible for.
Humberview’s High-Risk Car Insurance Solutions: Get Back on the Road
DUI Insurance
- Specialized coverage for Ontario drivers with impaired driving charges or DUI convictions.
- Over 30 years of expertise in securing DUI car insurance at competitive rates.
- Personalized service to help drivers regain coverage after a DUI.
- Expert guidance from comparing quotes to finding the best policy.
- Work with a dedicated broker to navigate the DUI insurance landscape.
- Get your personalized DUI car insurance quote today.
Car Insurance with Tickets
- Designed for Ontario drivers with multiple traffic tickets, including speeding violations.
- Access to competitive rates despite a higher-risk driving record.
- Personalized service to find the best coverage for drivers with frequent tickets.
- Expert advice to compare quotes and secure the right policy.
- Work with a specialized broker to navigate insurance for multiple tickets.
- Get your personalized car insurance with tickets quote today.
Claims & Accidents Car Insurance
- Coverage for Ontario drivers with multiple claims or accident history.
- Protection tailored for those with a record of at-fault collisions or frequent claims.
- Competitive rates and ongoing support for higher-risk drivers.
- Expert guidance to compare quotes and secure appropriate coverage.
- Work with an experienced broker to navigate claims and accident-related insurance.
- Get your personalized claims and accidents car insurance quote today.
Distracted Driving Insurance
- Insurance solutions for Ontario drivers with distracted driving violations.
- Coverage for charges related to texting, handheld device use, and other infractions.
- Competitive rates and dedicated service for drivers with distracted driving records.
- Expert assistance in comparing quotes and securing the best policy.
- Work with a specialized broker to navigate distracted driving insurance options.
- Get your personalized Ontario distracted driving insurance quote today.
How Does a Driver End Up with High Risk Car Insurance in Ontario?
Insurance Companies Have Guidelines
- In Ontario, car insurance companies follow specific guidelines approved by the Financial Services Commission of Ontario (FSCO).
- These guidelines determine which drivers they will insure.
- Each insurer has different acceptance criteria.
Reasons for Being Labeled as High Risk
- Drivers who do not meet an insurer’s criteria are categorized as high risk.
- Common reasons for being classified as high-risk include:
- Multiple traffic tickets or speeding violations.
- At-fault accidents within a short period.
- License suspensions or driving under the influence (DUI) convictions.
High Risk Car Insurance Companies in Ontario
- High-risk drivers must seek coverage from specialized high risk car insurance companies.
- These insurers focus on providing policies for individuals with driving infractions.
- Premiums for high-risk auto insurance are significantly higher due to the increased risk.
Facility Association – The Last Resort for High-Risk Drivers
- If a driver is too risky even for high-risk insurers, they must turn to the Facility Association.
- The Facility Association acts as a safety net, ensuring that every licensed driver has access to auto insurance.
- This coverage is managed by various insurance carriers on behalf of the Facility Association.
- Insurance through the Facility Association is extremely expensive compared to standard policies.
High Risk Car Insurance is Temporary
- The goal is for drivers to improve their record and eventually qualify for regular insurance.
- Safe driving habits, avoiding infractions, and maintaining continuous coverage can help a driver exit the high-risk category.
- Over time, drivers can work towards obtaining a more affordable high-risk car insurance quote and transitioning back to standard coverage.
Factors Affecting Your Ontario High-Risk Car Insurance
Several key elements influence your rates when you need Ontario high-risk car insurance. The car you drive—including its engine size, cost, and safety ratings—sets your premium baseline. How you drive matters too: more kilometers or a regular commute often increases costs. The area in which you live and primarily drive also impacts rates, as high-traffic regions carry higher risks. Your driver profile—age, past tickets or accidents, and licensing history—further shapes your rate. The coverages you choose, plus any discounts you qualify for, can adjust your final premium. By understanding these factors, you can make more informed decisions and potentially lower your insurance costs.
High Risk Car Insurance By Vehicle
Ways to Save on High Risk Car Insurance Quotes in Ontario
Shop Around
Comparing quotes from multiple insurers can reveal notable differences in high-risk car insurance rates in Ontario.
Bundle Your Policies
Combine car, home, or tenant insurance to unlock multi-policy discounts that lower high-risk premiums.
Increase Your Deductible
Opting for a higher deductible often reduces monthly costs—just make sure you can afford it if a claim arises.
Choose the Right Vehicle
Cars with solid safety ratings and lower repair expenses typically yield more affordable high-risk car insurance quotes.
Ask About Discounts
Look for deals like low-mileage or professional organization discounts to significantly cut your high-risk premium.
Pay in Full
Paying your annual premium upfront may eliminate administrative fees, helping you save on high-risk car insurance in Ontario.
Install Winter Tires
Many insurers offer rate reductions for winter tires, making it a simple way to lower your high-risk car insurance costs.
Add a Second Vehicle
Insuring multiple cars on one policy can qualify you for multi-vehicle discounts, reducing overall costs for high-risk drivers.
check with a High Risk Car Insurance agent or broker if these strategies will save you money for your specific situation. The above information is general information and should not be relied on as high risk car insurance advice.
Trusted Advice for Drivers
Tips for Ontario High Risk Drivers
High risk car insurance policies in Ontario are designed to give drivers the opportunity to improve their driving records. By taking the right steps, these drivers can enhance their driving history, ultimately qualifying for more favorable insurance rates or achieving a clean record in the future. This approach not only aids in financial savings but also encourages safer driving practices and road safety for all Ontario drivers. Here are some tips for drivers that may need high risk car insurance.
Obey Traffic Laws
Follow all posted speed limits, stop signs, traffic signals, and other road signs. Adhering to traffic laws is a fundamental aspect of safe driving.
Avoid Distractions
Put away your phone and other distractions while driving. Distracted driving, such as texting or talking on the phone, significantly increases the risk of accidents.
Don't Drive Under the Influence
Never drive under the influence of alcohol, drugs, or any substances that impair your judgment or coordination. Always designate a sober driver or use alternative transportation options.
Stay Alert and Focused
Pay attention to your surroundings, including other vehicles, pedestrians, and road conditions. Fatigue, drowsiness, and daydreaming can impair your ability to react quickly.
Keep a Safe Following Distance
Maintain a safe following distance behind the vehicle in front of you. This provides you with more time to react to sudden stops or obstacles.
Use Turn Signals
Always use your turn signals to indicate your intentions to other drivers. Proper signaling helps prevent accidents caused by sudden lane changes or turns.
Avoid Aggressive Driving
Refrain from aggressive behaviors such as tailgating, road rage, and aggressive passing. Stay patient and calm while driving.
Adapt to Weather Conditions
Adjust your driving to match the current weather conditions. Slow down in rain, snow, fog, or ice and increase your following distance.
Maintain Your Vehicle
Regularly service your vehicle to ensure it is in good working condition. Check tires, brakes, lights, and other essential components.
Buckle Up
Always wear your seatbelt, and make sure all passengers in your vehicle do the same. Seatbelts significantly reduce the risk of injury in accidents.
Respect Vulnerable Road Users
Be cautious around pedestrians, cyclists, and motorcyclists. They are more vulnerable in accidents and deserve extra attention.
Plan Your Routes
Plan your routes ahead of time and use GPS navigation if needed. This reduces the stress of navigating while driving.
Avoid Rushing
Give yourself plenty of time to reach your destination. Rushing can lead to aggressive and risky driving behaviors.
Stay Informed
Keep up to date with the latest traffic laws, regulations, and road conditions in your area.
Take Defensive Driving Courses
Consider enrolling in a defensive driving course to improve your driving skills and awareness.
Manage Stress
Find healthy ways to manage stress and anxiety in your life, as emotional stress can affect your driving behavior.
Be Courteous
Show courtesy to other drivers by letting them merge, not blocking intersections, and using your horn sparingly.
Practice Patience
Patience is key to safe driving. Avoid impulsive decisions and maintain composure in traffic.
Get Adequate Rest
Ensure you are well-rested before embarking on a long drive. Fatigue can impair your judgment and reaction time.
Know When to Pull Over
If you are too tired, feeling unwell, or experiencing any form of impairment, it's better to pull over and rest or seek assistance.
Adopting safe driving practices not only helps you become a better driver. It keeps Ontario road users safe. As your record improves, high risk drivers can start qualifying for regular car insurance quotes instead of high risk car insurance quotes.
Car Insurance for High Risk Drivers Ontario FAQ
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What is considered high-risk insurance?
High-risk insurance is a category of auto insurance for drivers deemed to have a higher risk of accidents or violations. This includes drivers with multiple traffic violations, serious infractions like DUIs, or a history of accidents.
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How long are you considered a high-risk driver in Ontario?
The duration of being labeled a high-risk driver in Ontario typically ranges from three to six years, depending on the severity and nature of the violations or accidents.
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How do I get around high car insurance?
To mitigate high insurance costs, you can shop around for better rates, increase deductibles or improve your driving record.
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What is a high-risk policy?
A high-risk policy is an insurance plan specifically designed for drivers who are considered high-risk. These policies often come with higher premiums due to the increased risk of claims.
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What makes you a high-risk driver in Ontario?
In Ontario, high-risk drivers are typically those with multiple traffic tickets, serious offenses like impaired driving, frequent claims, or a significant lapse in insurance coverage.
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Why is high-risk insurance so expensive?
High-risk insurance is expensive because these drivers are statistically more likely to file claims, leading to higher costs for insurers, which are then passed on to the policyholders.
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Why do high-risk drivers in Ontario potentially face the highest car insurance rates in the country?
High-risk drivers in Ontario may face the highest rates due to the province's overall higher average insurance costs, compounded by the increased risk associated with their driving history.
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For high-risk drivers in Ontario, which car models generally come with the cheapest insurance rates?
For high-risk drivers, cars with a good safety record, lower repair costs, and less powerful engines typically have cheaper insurance rates.
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In Ontario, do all drivers within a household, including those considered high risk, need to be included in the car insurance policy?
Yes, in Ontario, all drivers in a household must be listed on the car insurance policy, especially if they have regular access to the vehicle, including high-risk drivers.
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How much car insurance coverage is recommended for high-risk drivers in Ontario to ensure adequate protection?
High-risk drivers in Ontario should opt for coverage that not only meets the minimum legal requirements but also provides sufficient protection given their higher risk of claims. This often means considering comprehensive and collision coverage in addition to liability insurance.
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