Guelph Car Insurance
For over thirty years, Humberview Insurance Brokers has been assisting residents of Guelph, Ontario, and the neighboring areas with their Guelph car insurance needs. If you're in search of an affordable Guelph car insurance quote, our aim isn't solely to offer you cost-effective car insurance. We also want to introduce you to one of our licensed Insurance Brokers. They are wholly committed to helping you lock in a policy, providing crucial advice, and assisting you should you ever need to file a claim.From the moment you request a car insurance quote, our dedication is evident and remains consistent as you make the most of your coverage over the years.
Standard Car Insurance in Guelph, 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 Guelph 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 Guelph 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 Guelph 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 Guelph
Watch For Wildlife
Due to its parks and green spaces, encountering wildlife on the roads, particularly during dawn and dusk, isn't unheard of. Stay alert and moderate your speed in zones known for animal crossings.
Respect Speed Limits
While Guelph offers a mix of busy streets and quieter roads, always comply with the posted speed limits for everyone's safety.
Stay Aware of Weather Conditions
Guelph can experience a spectrum of weather conditions, from snowy winters to rainy springs. Always check the weather forecast and gear up for potentially slippery or frosty roads.
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 Guelph?
Guelph, Ontario, fondly known as the "Royal City," boasts a rich historical heritage. Today, its strategic location near major transportation routes makes it a bustling hub, with drives that weave through a combination of urban streetscapes and lush green parks. This blend of history and diverse driving environments highlights the importance of dependable Guelph car insurance, ensuring drivers remain shielded as they navigate the city's vibrant roads.
Some of the busiest streets and roads in Guelph include.
Gordon Street
This major road runs from the southern to the northern parts of the city, passing through the University of Guelph. It's frequently busy, especially during the school year due to student traffic.
Stone Road
Home to one of Guelph's main shopping areas, Stone Road Mall, this street can get congested, particularly on weekends or during holiday shopping seasons.
Speedvale Avenue
As an east-west arterial road, Speedvale Avenue serves many residential and commercial areas of Guelph.
Wellington Street
Another east-west route, Wellington Street sees a lot of daily traffic and connects to Highway 24.
Eramosa Road
This road connects the eastern parts of Guelph and becomes busy, especially during rush hours.
Woodlawn Road
A key route in the northern part of the city, Woodlawn Road has commercial plazas, businesses, and connects to several major highways.
Norfolk Street & Woolwich Street
As part of the downtown core, these streets are often bustling with vehicles and pedestrians alike, especially during events or peak business hours.
Edinburgh Road
Running north-south, this road is another significant thoroughfare connecting various parts of the city.
Hanlon Expressway (Highway 6)
While technically a highway, the Hanlon is an essential route for those traveling to and from Guelph, leading to the 401, and it can become quite busy, especially during rush hours.
Here are some of the notable neighborhoods and areas in Guelph
Downtown Guelph
The heart of the city with historic architecture, the Old Quebec Street Shoppes, local businesses, restaurants, and cultural venues like the River Run Centre.
Old University
Located near the University of Guelph, this area is popular among students and features many residential properties and local amenities.
The Ward
One of Guelph's oldest neighborhoods, The Ward has a mix of residential properties, including some historic homes.
Exhibition Park
Named after the park itself, this area offers a blend of old and new homes and is known for its community feel.
Riverside Park
Located in the northern part of Guelph, it's named after the large park that sits beside the Speed River. The area offers a mix of residential and recreational spaces.
Hanlon Creek
A relatively newer development in the southwestern part of the city, this area features modern homes, parks, and conservation areas.
Kortright Hills
Located in the southern part of Guelph, it's a family-friendly area with schools, parks, and amenities nearby.
South End
A rapidly growing area with new developments, shopping centers, and easy access to Highway 401.
Grange Road
An area in the eastern part of Guelph with a mix of townhouses, apartments, and single-family homes.
West End
A growing area with a mix of residential properties, commercial areas, and recreational facilities.
Stone Road & Scottsdale
This area is known for the Stone Road Mall, one of Guelph's primary shopping destinations, and it's close to the University of Guelph.
Two Rivers
An up-and-coming area nestled between the Speed River and the Eramosa River, with a mix of residential and commercial spaces.
These are just some of the neighborhoods in Guelph. Each has its distinct characteristics, community events, and attractions. The city itself is known for its beautiful green spaces, historic sites, and being home to the University of Guelph, which adds a vibrant student population to the mix.
Guelph Car Insurance FAQ
-
How much car insurance do I need in Guelph?
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 Guelph?
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 Guelph?
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 Guelph?
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 Guelph 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 have to be insured in Guelph?
Yes, by law all drivers that are in the household need to be listed on the policy or have their own policy.
Guelph Car Insurance Quotes For Different Types of Car Insurance
Clean Record Car Insurance in Guelph
- Drivers in Guelph boasting impeccable driving histories stand in a prime position to scour the market and secure rates that honor their exemplary driving records.
- At Humberview Insurance Brokers, our commitment is twofold.
- We're unwavering in our aim to deliver affordable car insurance solutions for the Guelph populace.
- Moreover, we're zealous about connecting you with our adept, licensed Insurance Brokers.
- These specialists are not only instrumental in helping you finalize an apt policy but are also a reservoir of wisdom and support, especially when claims come into play.
Guelph Commercial Auto Insurance
- For over three decades, Humberview Insurance Brokers has emerged as the top pick for Commercial Auto Insurance in Guelph.
- Whether you're in construction, run a local café, or use your vehicle for business-related errands, we've got your back.
- Our experts design policies tailored to your unique demands, guaranteeing your business and valuables are comprehensively safeguarded.
- Rely on us to deliver the ideal Commercial Auto Insurance solution in Guelph.
Guelph High Risk Car Insurance
- There are times when drivers in Guelph may need high-risk car insurance.
- This specific insurance segment is for drivers considered a greater risk by insurance firms due to their driving history or other factors.
- A history of DUI is a common reason for being labeled high risk. Driving under the influence is not only perilous but could also bring about severe legal implications.
- Other causes that could necessitate high-risk car insurance in Guelph are numerous traffic breaches, being at fault in accidents, or an insurance hiatus.
- With this kind of policy, individuals can steadily rebuild a safer driving history while still receiving the essential coverage on the roads.
Car Insurance News and Blog for Guelph, 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.
