Sarnia Car Insurance

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Sarnia Car Insurance

For more than three decades, Humberview Insurance Brokers has been helping Sarnia, Canada residents save on car insurance. But that’s not all we do. We believe a happy driver is an educated driver, so besides great rates on car insurance, we also provide expert advice and personal service from the moment you get a quote to the moment you enjoy your perfect new coverage, and beyond.

Mandatory Car Insurance in 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)

Uninsured Automobile Coverage

Protects you if you are hit by an uninsured motorist or by 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 Sarnia Car Insurance to TakeYou Those Extra Km’s

Collision Coverage

Covers your damage to your car 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 Sarnia Car Insurance Rates Determined

1

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.

2

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.

3

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.

4

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..

5

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.

6

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 Sarnia 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 a multi-vehicle discount.

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 Sarnia

Watch Out For Wildlife

Wildlife running across roads and highways is very common and it is something to watch out for.

Put On Snow Tires

Snow tires will help you control and stop in inclement weather, they do make a difference.

Check the Weather

Check the weather of where you are planning to go. Even an hour away can be the difference between rain or shine.

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.

FAQ

Sarnia Car Insurance Quotes For Different Types of Car Insurance

Clean Record Car Insurance

For more than three decades, Humberview Insurance Brokers has been helping Ontario, Canada residents save on car insurance. But that’s not all we do. We believe a happy driver is an educated driver, so besides great rates on car insurance, we also provide expert advice and personal service from the moment you first compare quotes online to the moment you enjoy your perfect new coverage, and beyond.

Let Humberview do the heavy lifting for you. Our licensed brokers are experienced at finding the coverage for your driving profile, from our partner insurance companies. You don’t have to compare policies with a fine tooth comb; we do that for you. If you need a new policy, or if your car insurance is up for renewal, go ahead and put us to the test! Click here to get a great quote, fast.

Commercial Auto Insurance

Humberview Insurance provides individuals and businesses with business car insurance also known as commercial auto insurance across many different industries. For your convenience you may fill out an application, quick contact form or contact any one of our offices for your commercial car insurance needs. You may need commercial auto insurance if you use you

  • Are a contractor carrying tools
  • Visit clients and customers while carrying tools or supplies
  • Make deliveries
  • Use your vehicle to supply your business with supplies and equipment

As your business grows, you hire employees and give them access to company vehicles it is important you manage your risk

  • Complete regular vehicle service and maintenance

  • Install a dashcam

  • Precheck driver's driving history before giving them access to your vehicles

  • Make sure your employees know what to do if an accident occurs

High Risk Car Insurance

For more than three decades, Humberview Insurance Brokers has been helping Ontario, Canada residents save on car insurance. But that’s not all we do. We believe a happy driver is an educated driver, so besides great rates on car insurance, we also provide expert advice and personal service from the moment you first compare quotes online to the moment you enjoy your perfect new coverage, and beyond.

Let Humberview do the heavy lifting for you. Our licensed brokers are experienced at finding the coverage for your driving profile, from our partner insurance companies. You don’t have to compare policies with a fine tooth comb; we do that for you. If you need a new policy, or if your car insurance is up for renewal, go ahead and put us to the test! Click here to get a great quote, fast.

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