Ottawa Car Insurance
For over thirty years, Humberview Insurance Brokers has been diligently assisting the residents of Ottawa, Ontario, and surrounding areas with their Ottawa car insurance needs. If you're in pursuit of an affordable Ottawa car insurance quote, remember that our services extend beyond just competitive pricing. We're eager to introduce you to one of our licensed Insurance Brokers, seasoned professionals dedicated to guiding you to the most appropriate policy, offering advice, and standing beside you throughout the claims process.Standard Car Insurance in Ottawa, 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 Ottawa 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 Ottawa 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 Ottawa 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 Ottawa
Beware of Pedestrians
As a city with bustling downtown areas and numerous attractions, be vigilant for pedestrians, especially during busy periods.
Adhere to Speed Limits
Respect speed limits, particularly in residential zones and around parks.
Monitor Weather Changes
Ottawa's four-season climate can lead to varied driving conditions. Stay informed and adjust your driving to the current conditions.
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.
Did you Know About Ottawa?
From the moment you approach us for a car insurance quote, our unwavering commitment to your needs shines through. Ottawa, often referred to as the "Nation's Capital," is nestled at the confluence of the Ottawa, Gatineau, and Rideau rivers. This city, with its rich history, cultural significance, and recreational activities, accentuates the necessity of reliable Ottawa car insurance. Drivers should feel secure as they traverse Ottawa's historic streets and scenic routes.
Neighborhoods in Ottawa and Their Postal Code Prefixes
Westboro (K2A)
A lively residential and shopping area, Westboro boasts boutiques, restaurants, and close proximity to the Ottawa River.
Glebe (K1S)
A vibrant mix of commercial and residential spaces, Glebe offers local businesses, parks, and community events.
ByWard Market (K1N)
Ottawa's historic core, this area boasts numerous cultural attractions, shops, and eateries.
Kanata (K2K, K2L, K2M)
A suburban area known for tech businesses and family-friendly neighborhoods.
Busiest Streets in Ottawa
Bank Street Elgin Street Baseline Road Merivale Road
Ottawa Car Insurance FAQ
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How much car insurance do I need in Ottawa?
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 Ottawa?
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 Ottawa?
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 has the cheapest insurance in Ottawa?
In Ottawa, the cheapest cars to insure are generally small, economy vehicles with good safety records and lower repair costs. These typically include sedans and compact cars. Rates can vary widely, so it's important to compare quotes from different insurance providers for the best deal. -
How much is car insurance in Ottawa for a new driver?
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. -
Do all drivers in a household have to be insured in Ottawa?
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.
Ottawa Car Insurance Quotes For Different Types of Car Insurance
Clean Record Car Insurance in Ottawa
- For Ottawa drivers with pristine driving records, the world of insurance offers promising opportunities.
- At Humberview Insurance Brokers, our foundational goal remains unchanged: to provide affordable Ottawa car insurance solutions.
- We're dedicated to connecting you with one of our expert, licensed Insurance Brokers.
- Their mission? To help you discover the right policy and to be an unwavering support, especially during the claims process.
Ottawa Commercial Auto Insurance
- For decades, Humberview Insurance Brokers has emerged as the preferred choice for Commercial Auto Insurance in Ottawa.
- Whether you're an entrepreneur, run a café along the Rideau Canal, or use your vehicle for business transport, we've got you covered.
- Our specialists curate bespoke insurance policies that cater to your unique needs, ensuring your business operations are comprehensively protected.
- Choose us for your Commercial Auto Insurance needs in Ottawa.
Ottawa High Risk Car Insurance
- In some situations, Ottawa drivers may find the need for high-risk car insurance.
- This specific insurance is for individuals whom insurance providers consider to be of higher risk, perhaps due to infractions like impaired driving.
- Such behaviors not only jeopardize safety but can also lead to significant legal implications.
- Other reasons one might require high-risk car insurance in Ottawa include multiple traffic violations, involvement in at-fault accidents, or periods without insurance.
- Adopting this policy type enables individuals to work towards improving their driving behavior while remaining safeguarded on the roads.
Car Insurance News and Blog for Ottawa, 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.
