Elmira Car Insurance

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Elmira Car Insurance

For over thirty years, Humberview Insurance Brokers has been assisting residents of Elmira, Ontario and the neighboring areas with their Elmira car insurance needs. While you might be in search of an affordable Elmira car insurance quote, our objective is not just to offer you cost-effective car insurance, but also to connect you with one of our licensed Insurance Brokers. They are dedicated to guiding you in securing a policy, offering insightful advice, and supporting you in the event of a claim.

Our commitment begins the moment you request an Elmira car insurance quote and continues as you enjoy your coverage and in all the years that follow.

Standard Car Insurance in Elmira, 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 Elmira 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 Elmira 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 Elmira 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 Elmira

Watch for Pedestrians

The town center and festival events can be bustling with pedestrians. Always be watchful and give them the right of way.

Respect Speed Limits

In Elmira and its environs, adhering to the speed limits ensures safety for both drivers and pedestrians.

Stay Aware of Weather Conditions

Elmira, with its distinct seasons, can experience a variety of weather changes. It's vital to stay informed about the weather forecast and be prepared for any 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 Elmira?

Elmira, Ontario, situated in the Township of Woolwich, is known for its close-knit community feel and its annual Maple Syrup Festival. Today, with its historical landmarks, local businesses, and serene country landscapes, Elmira represents the quintessence of a small-town charm. As drivers navigate the town's streets and the surrounding rural roads, the importance of reliable Elmira car insurance becomes evident. This ensures that drivers are well-protected amidst the town's picturesque routes and its vibrant community events.

Elmira Car Insurance FAQ

Elmira Car Insurance Quotes For Different Types of Car Insurance

Clean Record Car Insurance in Elmira

Drivers in Elmira with pristine driving records can take advantage of the market to obtain competitive rates that mirror their exemplary driving habits. At Humberview Insurance Brokers, our commitment to offering affordable Elmira car insurance solutions remains unwavering. Additionally, we're keen on introducing you to our proficient, licensed Insurance Brokers, who will be there to assist and guide you at every turn.

Elmira Commercial Auto Insurance

For over three decades, Humberview Insurance Brokers has been a premier choice for Commercial Auto Insurance in Elmira. Whether you're a tradesperson, a local store owner, or employ your vehicle for business errands, we've got you covered. Our experts fashion policies to align with your distinct needs, guaranteeing that Elmira businesses receive comprehensive coverage. Trust in us for all your Elmira Commercial Auto Insurance necessities.

High Risk Car Insurance in Elmira

In certain instances, Elmira drivers might be in the market for high-risk car insurance. This insurance type caters to those who, due to various factors like driving records, are seen as a greater risk. Common triggers could include a history of impaired driving, recurrent traffic violations, at-fault accidents, or breaks in insurance. Opting for this kind of coverage allows drivers to focus on ameliorating their driving while still being sufficiently insured.

Car Insurance News and Blog for Elmira, Ontario

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