Prescott Car Insurance
For over thirty years, Humberview Insurance Brokers has been diligently assisting the residents of Prescott, Ontario, and surrounding areas with their Prescott car insurance needs. If you're in pursuit of an affordable Prescott 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 sage advice, and standing beside you throughout the claims process.
Standard Car Insurance in Prescott, 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.
Provides compensation if you or others are hurt or killed in a car accident.
Extra Coverages for your Prescott Car Insurance to Take You Those Extra Km’s
Covers your damage to your car as a result of hitting an object or another car
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 Prescott 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.
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 Prescott 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.
In Ontario, there are many options for car insurance whether through agents, brokers or direct companies. There are many offerings.
Determine how much you are comfortable covering yourself if minor damage occurs and adjust your deductible accordingly.
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.
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 Prescott
Beware of Pedestrians
Prescott is a town known for its active community life, so always watch for pedestrians, particularly during peak times.
Adhere to Speed Limits
appropriate speeds, especially in residential zones and near recreational areas. Neighborhoods in Prescott and Their Postal Code Prefixes:
Monitor Weather Changes
Prescott's riverside location can lead to variable weather conditions. Stay informed and adjust your driving to the current environment.
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 Prescott?
From the moment you approach us for a car insurance quote, our unwavering commitment to your needs shines through. Prescott, nestled by the beautiful Saint Lawrence River, boasts a unique history and vibrant community activities. This town, with its storied past and recreational offerings, accentuates the necessity of reliable Prescott car insurance. Drivers should feel secure as they traverse Prescott's historic streets and scenic waterfront.
Prescott Car Insurance FAQ
How much car insurance do I need in Prescott?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 Prescott?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 Prescott?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 Prescott?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 Prescott 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 Prescott?Yes, by law all drivers that are in the household need to be listed on the policy or have their own policy.
Prescott Car Insurance Quotes For Different Types of Car Insurance
Clean Record Car Insurance in Prescott
For Prescott drivers with impeccable driving records, insurance options abound. At Humberview Insurance Brokers, our primary goal remains steadfast: to provide affordable Prescott car insurance solutions. We're committed to pairing you with one of our expert, licensed Insurance Brokers. Their aim? To assist you in finding the perfect policy and offer unwavering support, especially during the claims period.
Prescott Commercial Auto Insurance
For decades, Humberview Insurance Brokers has been the top choice for Commercial Auto Insurance in Prescott. Whether you're an entrepreneur, run a riverside business, or use your vehicle for commercial purposes, we've got your back. Our specialists design custom insurance policies tailored to your specific needs, ensuring your business ventures are fully protected. Choose us for your Commercial Auto Insurance needs in Prescott.
High Risk Car Insurance in Prescott
There are instances when Prescott drivers may need high-risk car insurance. This type of insurance caters to those who are perceived as higher risk by insurance companies, possibly due to issues like impaired driving. Such actions can not only endanger others but also result in severe legal consequences. Other reasons someone might need high-risk car insurance in Prescott include multiple traffic offenses, being involved in at-fault accidents, or lapses in coverage. Opting for this insurance allows individuals to focus on bettering their driving habits while still being protected on the roadways.