Woodbridge Car InsuranceFor more than three decades, Humberview Insurance Brokers has been a trusted name among the Woodbridge, Ontario community and the surrounding regions, expertly handling their car insurance needs. If you're looking for a competitive car insurance quote in Woodbridge, know that we offer more than just attractive prices. We take pride in connecting you with our licensed Insurance Brokers, who are not only experienced but also deeply familiar with the nuances of car insurance. They're committed to providing you with personalized advice, making thoughtful recommendations, and offering steadfast support throughout the claims process.
Standard Car Insurance in Woodbridge, 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 Woodbridge 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 Woodbridge 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 Woodbridge 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 Woodbridge
Given its proximity to Toronto, anticipate traffic during peak hours and plan routes accordingly.
Adherence to Speed Limits
Ensure you always stick to posted speed limits, particularly in school zones and suburban areas.
With its diverse weather, it's crucial to stay updated, especially during winter months, and adapt your driving habits.
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 Woodbridge?
From your initial inquiry for a quote, our allegiance is palpable. Woodbridge, renowned for its scenic landscapes and urban amenities, underscores the indispensability of reliable Woodbridge car insurance. Whether commuting within the city or exploring its outskirts, enjoying peace of mind is paramount.
Neighborhoods in Woodbridge
A bustling area with several amenities and recreational spots.
Known for its green spaces and upscale residences.
Predominantly residential, characterized by serene surroundings.
An upscale neighborhood, home to several luxurious estates.
Busiest Streets in Woodbridge
Woodbridge Car Insurance FAQ
How much car insurance do I need in Woodbridge?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 Woodbridge?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 Woodbridge?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 Woodbridge?In Woodbridge, Ontario, to keep car insurance premiums low, it's best to opt for a vehicle with a high safety rating, such as a mid-size sedan or a compact SUV. These types of vehicles are often favored by insurance companies for their safety features and lower risk profile. Additionally, choosing a model with a history of low theft rates and without a high-performance engine can also contribute to more affordable insurance rates. It's practical for both the urban environment of Woodbridge and the occasional longer distance travel.
How much is car insurance in Woodbridge 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 Woodbridge?Yes, by law all drivers that are in the household need to be listed on the policy or have their own policy.
Woodbridge Car Insurance Quotes For Different Types of Car Insurance
Clean Record Car Insurance in Woodbridge
For those in Woodbridge maintaining pristine driving records, Humberview Insurance Brokers emerges as a clear choice. Our pivotal goal remains to offer economical Woodbridge car insurance solutions. We're keen on pairing you with our seasoned, licensed Insurance Brokers to navigate the insurance landscape smoothly, particularly during claim scenarios.
Woodbridge Commercial Auto Insurance
Humberview Insurance Brokers, a trusted name for Commercial Auto Insurance in Woodbridge, is adept at catering to the multifaceted needs of the locale's diverse businesses. Be it a trendy boutique, logistics enterprise, or if your vehicle plays a pivotal role in your business operations, our solutions are bespoke. Our proficient team designs insurance policies with precision, ensuring your business endeavors are safeguarded. Entrust us with delivering the finest Commercial Auto Insurance solutions in Woodbridge.
High Risk Car Insurance in Woodbridge
At times, certain Woodbridge drivers might require high-risk car insurance, possibly due to previous indiscretions or specific situations. This unique insurance is for those viewed as a heightened risk due to their driving history. Such actions, which might compromise road safety, can culminate in notable legal repercussions. Other motivations to consider high-risk car insurance in Woodbridge could include recurrent traffic violations, being at-fault in multiple incidents, or evident insurance gaps. This niche insurance avenue offers these drivers a chance to methodically rebuild their standing, all while being comprehensively insured.