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.
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.
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.
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.
Types of High Risk Car Insurance Humberview Helps With
Impaired Driving Car Insurance
Impaired Driving Car Insurance car insurance in Ontario is specialized coverage designed for drivers who have an Impaired Driving Car Insurance conviction, also known as DUI (Driving Under the Influence) or DWI (Driving While Impaired), offering them the necessary protection and compliance with legal requirements despite their driving record.
Multiple Tickets
Car insurance policies for drivers with multiple tickets in Ontario is a type of coverage tailored for drivers with multiple moving traffic violations or tickets such as speeding tickets, providing essential protection and ensuring they meet legal insurance requirements despite having a higher risk profile.
Claims & Accidents
Car insurance for drivers with claims and accidents in Ontario is a specialized coverage aimed at drivers who have a history of auto insurance claims or have been involved in accidents. This type of policy provides necessary protection and ensures these drivers remain compliant with legal insurance obligations, despite their elevated risk status due to their claims or accident history.
Featured Article
What is High Risk Car Insurance?
How Does A Driver End Up Going to High Risk Car Insurance Companies in Ontario?
In Ontario, car insurance companies have distinct guidelines, approved by the Financial Services Commission of Ontario, that determine which drivers they will cover. These criteria differ from one insurer to another. For instance, one company might refuse to insure a driver with a certain number of traffic tickets, while another might accept them.
Drivers who fail to meet these criteria are labeled as high-risk. These individuals might find insurance coverage through companies specializing in high risk profiles. However, the premiums with these companies are typically higher due to the increased risk.
If a driver is deemed too risky for even high-risk insurers, the Facility Association becomes the alternative. This organization functions as a safety net, ensuring that all licensed drivers, regardless of their risk level, have access to auto insurance. The Facility Association relies on various carriers to manage policies and handle claims on its behalf. Insurance through the Facility Association is notably more costly and is intended for those who cannot find coverage elsewhere. The goal is not permanent placement in this high-risk category; rather, it's to offer temporary coverage as the driver works to improve their record and eventually qualify for standard insurance rates.
If a driver is deemed too risky for even high-risk insurers, the Facility Association becomes the alternative. This organization functions as a safety net, ensuring that all licensed drivers, regardless of their risk level, have access to auto insurance. The Facility Association relies on various carriers to manage policies and handle claims on its behalf. Insurance through the Facility Association is notably more costly and is intended for those who cannot find coverage elsewhere. The goal is not permanent placement in this high-risk category; rather, it's to offer temporary coverage as the driver works to improve their record and eventually qualify for standard insurance rates.
How High Risk Car Insurance Rates Are Determined
The Car you Drive
Factors such as engine size, the cost of the vehicle and safety ratings can all make an impact to how much you will pay for car insurance.
How you Drive
Generally, if you are driving many kilometers or driving to work you will generally pay more than someone that just used their vehicle for occasional driving and errands.
The Area in Which You Live
The area in which you live and where you most often drive affect the price you pay for car insurance. Generally, big cities have more traffic this makes the risk of accidents being higher.
Driver Profile
Things like your age, your driving history, how many tickets, accidents, when you got licensed as well as other factors can all play a part in making your rate..
All the Coverages You Choose
Some coverages you choose can add up and it is up to you to determine which are best fit for you. Our brokers can help you decide.
Discounts You Qualify for
A variety of eligible discounts can be added if you qualify that may impact your final car insurance rate.
Ways to Save on High Risk Car Insurance Quotes in Ontario
Shop Around
Compare quotes from different insurers as rates can vary significantly for high-risk drivers.
Bundle Policies
Combine your car insurance with other policies, like home insurance, for discounts.
Increase Deductibles
Opting for a higher deductible can lower your premiums, but ensure you can afford the deductible in case of a claim.
Consider Your Vehicle
Driving a car that's cheaper to insure (e.g., with good safety ratings and lower repair costs) can lower premiums.
Ask for Discounts
Always inquire about potential discounts, such as for low annual mileage or being a member of certain organizations
Pay Annually
If possible, pay your premium in full annually rather than monthly to avoid administrative fees if any.
Install Winter Tires
Using winter tires during the colder months can lead to discounts on your car insurance in Ontario.
Add a Second Vehicle
If you're insuring multiple vehicles, consider adding your second car to the same policy. Many insurers offer multi-vehicle discounts, which can significantly reduce the overall cost of insurance for high-risk drivers in Ontario.
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.
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.
Ontario High Risk Car Insurance Guides & Resources:
Honda’s New $14 Billion Electric Vehicle and Battery Plant in Ontario
Ignition Interlock Ontario
Electrifying the Roads: Canada’s iZEV Program
Car Theft Prevention: Ideas for Ontario Drivers
Smooth Transitions: Navigating Car Insurance in Ontario When Moving from Another Province
