Cambridge Car Insurance

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Cambridge Car Insurance

For over thirty years, Humberview Insurance Brokers has been assisting residents of Cambridge, Ontario, and the surrounding areas with their Cambridge car insurance needs. While you may be seeking an affordable Cambridge car insurance quote, our objective is not solely to offer you cost-effective coverage. We're also devoted to connecting you with our licensed Insurance Brokers. These professionals are committed to guiding you in obtaining the perfect policy, providing insightful advice, and supporting you throughout any claim process.

Our commitment begins the moment you request a Cambridge car insurance quote and endures as you enjoy your coverage in the years that follow.

Standard Car Insurance in Cambridge, Ontario


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 Cambridge 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 Cambridge 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 Cambridge Car Insurance


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 Cambridge

Watch for Pedestrians

Given Cambridge's bustling downtown areas and historical districts, be on the lookout for pedestrians, especially in designated crosswalks.

Respect Speed Limits

Always adhere to posted speed limits, particularly in school zones and residential areas.

Stay Alert to Weather Conditions

Cambridge can experience a mix of weather conditions, from snowy winters to wet springs. Always stay updated with the weather forecast and be prepared for variable road conditions.

Why Humberview?

  • 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.

Did You Know About Cambridge?

Cambridge, Ontario, with its rich blend of history and modernity, is gracefully located on the confluence of the Grand and Speed rivers. Today, its combination of historical architecture, vibrant culture, and strategic location in the Waterloo Region make it a unique place for residents and an essential spot for commuters. This vibrant backdrop accentuates the need for reliable Cambridge car insurance, ensuring drivers are well-covered while traversing the city's diverse roads and scenic byways.

Cambridge Car Insurance FAQ:

Cambridge Car Insurance Quotes For Different Types of Car Insurance

Clean Record Car Insurance in Cambridge

Drivers in Cambridge with stellar driving records are favorably positioned to explore the best rates that mirror their commendable driving history. At Humberview Insurance Brokers, our dedication is twofold. First and foremost, we aim to offer affordable Cambridge car insurance options to the community. Additionally, we take pride in connecting you with one of our knowledgeable, licensed Insurance Brokers. These dedicated experts not only assist in securing the right policy but also offer priceless advice, especially during claim scenarios.

Cambridge Commercial Auto Insurance

For over three decades, Humberview Insurance Brokers has been the standout choice for Commercial Auto Insurance in Cambridge. Whether you're a contractor, a restaurateur, or utilize your vehicle for business logistics, we're on hand to help. Our experts craft policies tailored to your individual needs, ensuring your business and assets are comprehensively protected. Rely on us for your Cambridge Commercial Auto Insurance needs.

High Risk Car Insurance in Cambridge

There are instances when drivers in Cambridge might need high-risk car insurance. This category is for drivers viewed as high liability by insurance companies, often due to their driving background. Infractions such as impaired driving pose significant risks and can lead to legal ramifications. Other reasons that might necessitate high-risk Cambridge car insurance include numerous traffic offenses, at-fault accidents, or insurance coverage gaps. With this coverage, drivers can aim to rebuild a positive driving reputation while having the necessary protection on the roads.

Car Insurance News and Blog for Cambridge, Ontario

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