Whitby Car Insurance

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Whitby Car Insurance

For over thirty years, Humberview Insurance Brokers has been a trusted partner for residents of Whitby, Ontario, and neighboring regions in securing their Whitby car insurance needs. If you're scouting for a competitive Whitby car insurance quote, rest assured that our devotion goes beyond merely presenting you with an appealing rate. We are enthusiastic about linking you with one of our licensed Insurance Brokers. These dedicated experts are well-acquainted with the intricate realm of car insurance and are resolute in their mission to guide you, share expert insights, and stand steadfastly with you during the claims procedure.

Standard Car Insurance in Whitby, 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 Whitby 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 Whitby 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 Whitby 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 WHitby

Mind Speed Limits

As with any town, always obey posted speed limits, and be particularly cautious in school zones and residential areas.

Downtown Traffic

The town center can become bustling, especially during weekends and events, so practice patience and alertness.

Seasonal Weather

Whitby experiences diverse weather conditions, so always be prepared, particularly during winter months.

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 Whitby?

From the instant you approach us for a quote, our unwavering commitment to your needs is palpably evident. Whitby, with its picturesque harbor and rich heritage, underscores the necessity for reliable Whitby car insurance. Whether you're traveling along the lakeshore or heading to one of its many parks, knowing you're securely covered grants invaluable peace of mind.

Neighborhoods in Whitby

Downtown Whitby

The historic core of the town, filled with charming boutiques, eateries, and cultural spots.


A northern suburb known for its quaint village atmosphere and community feel.

Port Whitby

Renowned for its marina and scenic views along Lake Ontario.

West Whitby

A growing area with modern developments and a mix of residential and commercial zones.

Busiest Streets in Whitby

Dundas Street

Brock Street

Thickson Road

Baldwin Street

Whitby Car Insurance FAQ

Whitby Car Insurance Quotes For Different Types of Car Insurance

Clean Record Car Insurance in Whitby

  • For drivers in Whitby with pristine driving records, Humberview Insurance Brokers emerges as the preferred choice.
  • Our paramount aspiration is to offer cost-effective Whitby car insurance solutions.
  • We're intent on partnering you with our proficient, licensed Insurance Brokers who can navigate you with finesse through the insurance landscape, especially during claims.

Whitby Commercial Auto Insurance

  • Humberview Insurance Brokers is esteemed as the preeminent choice for Commercial Auto Insurance in Whitby.
  • Whether you helm a thriving startup, manage a lakeside bistro, or need your vehicle for business undertakings, our solutions are curated to resonate with your specific requirements.
  • Our adept team crafts nuanced insurance blueprints, ensuring every facet of your commercial endeavors is shielded.
  • Trust in our expertise to deliver the optimal Commercial Auto Insurance solutions in Whitby.

Whitby High Risk Car Insurance

  • Some drivers in Whitby may sometimes need high-risk car insurance because of past driving mistakes or particular situations.
  • This type of insurance is designed for people who are considered higher risks, often due to their driving record.
  • Mistakes like these can make the roads dangerous and lead to serious legal trouble.
  • Whitby high-risk car insurance may also be necessary for those with a string of traffic tickets, responsibility for several accidents, or gaps in their insurance history.
  • This coverage allows drivers to work towards improving their driving records while staying fully protected.

Ready for A Quote on Whitby Car Insurance Insurance ?

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