Markham Car Insurance
For over thirty years, Humberview Insurance Brokers has been diligently serving residents of Markham, Ontario, and the surrounding areas with their Markham car insurance needs. If you're on the hunt for a competitively priced Markham car insurance quote, our primary objective isn't merely to offer you affordable car insurance options. We also take immense pride in connecting you with our licensed Insurance Brokers. These dedicated professionals are wholeheartedly committed to helping you settle on the perfect policy, providing valuable advice, and standing by your side should the need to file a claim arise.From the moment you express interest in a car insurance quote, our unwavering commitment is evident and remains consistent as you benefit from your coverage throughout the years.
Standard Car Insurance in Markham, 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). As of January 1 2024, there is an option to opt out of this coverage.
Uninsured Automobile Coverage
Protects you if you are hit by an uninsured motorist or by a 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 for your Markham Car Insurance to Take You Those Extra Km’s
Collision Coverage
Covers your damage to your car as 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.
How Markham Car Insurance Rates 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 you Can Save to Get Cheap Markham Car Insurance
Bundle
Add your house policy to get a multi-line discount..
Insure two or more vehicles
Insuring your vehicles with the same company can result in you receiving a multi-vehicle discount for all vehicles on the policy.
Shop Around
In Ontario, there are many options for car insurance whether through agents, brokers or direct companies. There are many offerings.
Increase deductibles
Determine how much you are comfortable covering yourself if minor damage occurs and adjust your deductible accordingly.
Pay Yearly
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.
Install winter tires
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.
Take a Drivers Training course
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.
Consider Renewing
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.
Tips for Driving in Markham
Watch for Pedestrians
Especially in areas like Unionville, which sees significant foot traffic.
Stay Updated with Traffic Reports
Given its proximity to Toronto, Markham can experience traffic congestion. Being informed can help in planning alternate routes.
Be Mindful of School Zones
With numerous schools in the area, always drive cautiously in school zones, particularly during drop-off and pick-up times.
Why Humberview?
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You Get One Dedicated Broker
We are not a call center, you will have the same broker for your policy.
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In Business Since 1982
We are an independent broker located in Toronto since 1982
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Quotes from Top Insurers
We represent some of Canada's best insurance companies.
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No phone prompts when you call us
Speak to a human, right away.
Markham Car Insurance by Vehicle
Did you Know About Markham?
Markham, Ontario, often dubbed as "Canada’s High-Tech Capital," has seen rapid growth and development. As a major tech hub nestled within the Greater Toronto Area, its blend of residential areas, commercial zones, and preserved historic sites underscores the necessity of reliable Markham car insurance. It ensures that drivers are comprehensively protected as they navigate the city's bustling streets.
Noteworthy streets and roads in Markham include
Highway 7
A major east-west corridor that spans across the city.
Markham Road
A significant route connecting the north and south areas of the city.
Warden Avenue
An essential road that facilitates movement to various parts of the GTA.
Prominent neighborhoods and areas in Markham
Unionville
A historic village area with charming streets, shops, and restaurants.
Milliken
Known for its parks and diverse community hubs.
Cornell
A newer residential development with a mix of housing types and amenities.
Box Grove
An evolving neighborhood with shopping plazas and recreational spaces.
Markham Car Insurance FAQ
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How much car insurance do I need in Markham?
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. -
How much is car insurance per month in Markham?
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. -
How much is insurance for a G2 Driver in Markham?
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. -
Which car offers the most affordable insurance in Markham?
Brampton, followed by Mississauga, Vaughan and Richmond Hill. -
Why do Ontario drivers pay the highest car insurance rates in the country?
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. -
Which car has the cheapest insurance?
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. -
How much is car insurance in Markham for a new driver?
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. -
Do all drivers in a household need to be insured in Markham?
Yes, by law all drivers that are in the household need to be listed on the policy or have their own policy.
Markham Car Insurance Quotes For Different Types of Car Insurance
Clean Record Car Insurance in Markham
- Markham drivers who have maintained impeccable driving records have the opportunity to explore the market and secure rates that reflect their exemplary driving habits.
- At Humberview Insurance Brokers, our dedication goes beyond just providing affordable Markham car insurance solutions.
- We are fervent in introducing you to our expert, licensed Insurance Brokers.
- These specialists will not only assist you in securing an ideal policy but will also be a bastion of guidance, especially when it comes to claims.
Markham Commercial Auto Insurance
- For over three decades, Humberview Insurance Brokers has stood out as the premier choice for Commercial Auto Insurance in Markham.
- Whether your endeavors lie in tech, retail, or any other sector requiring vehicle use, we are here for you.
- Our seasoned team designs policies specifically tailored to your business needs, ensuring your operations and assets are thoroughly protected.
- Count on us for your Commercial Auto Insurance solutions in Markham.
Markham High Risk Car Insurance
- There might be situations where Markham drivers require high-risk car insurance, often resulting from past driving infractions.
- Factors such as impaired driving, frequent traffic violations, or being responsible for multiple accidents can lead to a high-risk classification.
- Humberview Insurance Brokers offer policies that allow individuals to embark on the path to improving their driving reputation, all the while ensuring they remain protected on the roads.
Car Insurance News and Blog for Markham, Ontario
DUI Insurance in Ontario: What You Need to Know After a Conviction
Does a Speeding Ticket in Ontario Affect My Car Insurance?
How Distracted Driving Penalties Are Leading to Insurance Increases in Ontario
Back on Track Ontario: Program Details, Costs, and Locations for License Reinstatement
Driving in School Zones: Fines, Tickets and Insurance.
