Car Insurance and Moving to Ontario
4 min. read
When you're on Ontario roads, your car insurance should work as hard as you do. With
Humberview Insurance, you can secure comprehensive coverage tailored to your driving
needs—quickly and hassle‐free. Our policies protect you and your vehicle, keeping you moving
forward with confidence.
Get a quote today by filling out our simple application, sending us an email, or giving us a
call.
We've made Ontario car insurance easy, so you can focus on the road ahead.
Liability portion of your car insurance policy provides protection against damage you cause to other people or their property
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). As of January 1 2024, there is an option to opt out of this 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.
Provides compensation if you or others are hurt or killed in a car accident.
Covers your damage to your car a result of hitting an object or another car.
Covers some insured damages such as falling objects, theft and fire.
Most extensive physical coverage for your car. Covers collision + comprehensive and better theft 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.
Gives you the purchase price of the vehicle in the event of a total loss.
Provides you with a rental vehicle to a specified limit after an insured loss.
Ontario car insurance rates are influenced by several key factors, including the car you drive, your driving habits, and your location. Vehicles with larger engines, higher values, or lower safety ratings often come with higher auto insurance premiums. If you drive long distances or commute daily, you may pay more than someone who only uses their vehicle for occasional trips. Your driver profile— including age, driving experience, past tickets, and accidents—also impacts your rate. The coverage options you select , such as comprehensive or collision insurance, can add to your premium, while car insurance discounts for multi‐vehicle policies, safe driving, and bundling home and auto can help reduce costs. Our experienced brokers can guide you through the process and help you find the right coverage 80pxfor your needs.
Add your house policy to get a multi-line discount..
Insuring your vehicles with the same company can result in a multi-vehicle discount.
In Ontario, there are many options for car insurance whether through agents, brokers or direct companies. There are many offerings.
Determine how much you are comfortable covering yourself if minor damage occurs and adjust your deductible accordingly.
Some insurers charge a maximum rate of 1.3% for paying for your car insurance on a monthly basis. If your company is charging you for paying monthly – ask about paying annually or in larger installments to avoid fees.
Installing winter tires on your vehicles just makes sense for winter driving, but it can also save you money on what you pay for your car insurance.
If you are a young or inexperienced driver the price you pay for car insurance might be improved by taking an approved driver training course.
Insurers typically give renewal discounts after a year or three and it might be wise to consider what the renewal price will be when you are shopping around.
Wildlife running across roads and highways is very common and it is something to watch out for.
Snow tires will help you control and stop in inclement weather, they do make a difference.
Check the weather of where you are planning to go. Even an hour away can be the difference between rain or shine.
You Get One Dedicated Broker
We are not a call center, you will have the same broker for your policy.
In Business Since 1982
We are an independent broker located in Toronto since 1982
Quotes from Top Insurers
We represent some of Canada's best insurance companies.
No phone prompts when you call us
Speak to a human, right away.
The minimum amount includes liability insurance which comes with three other mandatory coverages. We suggest people carry at least $2 million in auto liability coverage.
Paying approximately $200 per month is in and around the standard. But this can increase quickly if you are a new driver, have tickets, accidents or live in an area where there are a lot of claims.
For a new G2 driver paying $350 per month is not unheard of. There could be ways to reduce this rate if you recently moved to Ontario and can prove experience from a different province or country.
Brampton, followed by Mississauga, Vaughan and Richmond Hill.
The Ontario auto policy provides many coverages, as well as extreme weather events, fraud and higher value of vehicles results in higher premiums people pay for their auto policy in Ontario.
There is no clear answer, as Ontario car insurance is based on many factors. Vehicles with higher safety ratings and are less expensive typically will result in lower premiums for the rating that is derived by the vehicle.
This rate can vary depending if you are a new driver who completed driver training, or whether or not you are bringing experience from another country or province.
Yes, by law all drivers that are in the household need to be listed on the policy or have their own policy.
If you're in Toronto, Mississauga, Brampton, Vaughan, or nearby, finding affordable auto insurance can be challenging. Our brokers help GTA drivers secure the right coverage with savings on multi-vehicle policies, winter tire discounts, and safe driving incentives.
Drivers in London, Kitchener, Windsor, and surrounding areas have unique insurance needs. Whether commuting on the 401 or driving in a rural town, we provide coverage options that fit your lifestyle.
From Ottawa to Kingston and beyond, we help Eastern Ontario drivers find competitive car insurance. Whether you need coverage for daily commutes or occasional driving, we provide tailored solutions.
Driving in Northern Ontario presents unique challenges, from harsh winters to long distances between towns. Our policies ensure you're protected on every road trip