Ajax Car Insurance

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Ajax Car Insurance

For over thirty years, Humberview Insurance Brokers has been helping residents of Ajax Ontario and the surrounding communities get car insurance. While you may be shopping for a cheap car insurance quote, our goal is to provide you with low-cost car insurance but also to team you up with one of our licensed Insurance Brokers, who will help you obtain a policy, give you advice and be there for you if a claim happens. We pair you with a dedicated car insurance broker who will work for you.

Whether you are driving directly to work, or driving to the Ajax GO Station to travel further, we will provide you expert advise and personal service from the moment you get a car quote to the moment you enjoy your new coverage and beyond

Standard Car Insurance in Ajax, 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 Ajax 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 Ajax Car Insurance Rates Determined

1

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.

2

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.

3

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.

4

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..

5

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.

6

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 Ajax Car Insurance

Bundle

Add your house policy to get a multi-line discount..

Insure Multiple Vehicles

Insuring your vehicles with the same company can result in a multi-vehicle discount.

Shop Around

In Ontario, and especially in cities like Ajax, there are many options for car insurance, whether through agents, brokers, or direct companies.

Increase Deductibles

Determine what amount you're comfortable paying out of pocket for minor damages and adjust your deductible accordingly.

Pay Yearly

Some insurers might charge extra for monthly payments. If possible, consider paying annually to avoid these fees.

Install Winter Tires

Especially relevant for Ajax's winter climate, installing winter tires not only enhances safety but can also get you a discount on your insurance premium.

Take a Drivers Training Course

For younger or less experienced drivers in Ajax, an approved driver training course can lead to better insurance rates.

Consider Renewing

Some insurers in Ajax offer renewal discounts after a set period. It's worth checking when shopping around.

Tips for Driving in Ajax, Ontario

Watch Out For Wildlife

Wildlife encounters are possible, so stay vigilant, especially during dawn and dusk.

Use Snow Tires

In Ajax, snow tires can be crucial for safe winter driving.

Check the Weather

Being located by Lake Ontario, Ajax can have unpredictable weather patterns. Always check the forecast before heading out.

Why Humberview?

  • Dedicated Broker

    Every client gets a dedicated broker.
  • Decades of Experience

    Serving clients since 1982 from Toronto
  • Quotes from Top Insurers

    Access to premium insurance providers.
  • Direct Human Interaction

    No automated prompts; speak directly to a representative.

Did You Know About Ajax?

Ajax wasn't always the bustling town it is today. It began as a rural part of the township of Pickering. During World War II, a shell plant was established here, and the town of Ajax grew around it. As the town transformed from a rural area to a growing urban center, so did its roads and transportation needs. This growth has led to the development of a series of road networks to accommodate the increasing population.

Ajax Car Insurance Faq

Ajax Car Insurance Quotes For Different Types of Car Insurance

Clean Record Car Insurance

Whether you have a pristine driving record or need specialized coverage, Humberview Insurance Brokers offer tailored solutions for Ajax residents. Our mission is dual-focused: providing affordable insurance options and connecting you with experienced, licensed Insurance Brokers who guide you throughout the process and especially during claims.

Ajax Commercial Auto Insurance

For over 30 years, businesses in Ajax have trusted Humberview Insurance Brokers for their commercial auto insurance needs. Whether a contractor, restaurant owner, or anyone using a vehicle for business purposes, our specialists ensure optimal coverage.

High Risk Car Insurance Ajax

There are various reasons someone in Ajax might require high-risk car insurance. From accumulating multiple traffic violations to DUI convictions or simply being a new driver, high-risk categories are diverse. Whatever the reason, our brokers understand the challenges and can guide you to the best solutions.

Car Insurance News and Blog for Ajax, Ontario

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