Ontario Car Insurance
For over 30 years, Humberview Insurance Brokers has been dedicated to helping the residents of Ontario, Canada, find savings on their car insurance. However, our services extend beyond just offering competitive rates. We are committed to the belief that a well-informed driver is a happier, safer driver. That's why, in addition to providing great insurance deals, we offer expert advice and personalized service. From the moment you request a quote to the point where you're fully covered – and even afterwards – we're here to ensure your insurance experience is seamless and exceptional. Contact us today for a quote on Ontario car insurance.
Standard 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). 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 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 Ontario Car Insurance to TakeYou Those Extra Km’s
Collision
Covers your damage to your car a result of hitting an object or another car.
Comprehensive
Covers some insured damages such as falling objects, theft and fire.
All Perils
Most extensive physical coverage for your car. Covers collision + comprehensive and better theft coverage.
Extra Coverages for your Ontario Car Insurance to Take You Those Extra Km’s
Many conditions apply to some of the coverage listed above, it is best to speak to a car insurance broker if you have specific questions or limitations.
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Accident Forgiveness
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.
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Depreciation Waiver
Gives you the purchase price of the vehicle in the event of a total loss.
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Rental Vehicle
Provides you with a rental vehicle to a specified limit after an insured loss.
How are Ontario 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
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.
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 Ontario 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 Ontario
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?
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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.
FAQ
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How Much Car Insurance Do I need in Ontario?
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.
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How much is car insurance per month in Ontario?
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.
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How much is insurance for a G2 Driver in Ontario?
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.
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What City has the highest insurance rate in Ontario?
Brampton, followed by Mississauga, Vaughan and Richmond Hill.
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Why do Ontario drivers pay the highest car insurance rates in the country?
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.
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Which car has the cheapest insurance?
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.
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How much is car insurance in Ontario 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.
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Do all drivers in a household have to be insured in Ontario?
Yes, by law all drivers that are in the household need to be listed on the policy or have their own policy.
Ontario Car Insurance by City
Types of Ontario Car Insurance You May beLooking For
Ontario Clean Record Car Insurance
- Humberview Insurance Brokers: Rewarding Ontario's safe drivers for over 30 years.
- Specializing in policies for Ontario drivers with spotless records.
- Competitive rates, expert advice, and personalized service.
- Hassle-free: We find and tailor coverage for your clean driving history.
- Partnered with top insurance companies to reward your safe driving.
- Get a quick quote for Ontario clean record insurance
Ontario Commercial Auto Insurance
- Customized Vehicle Coverage: Protect your Ontario business vehicles and contractor-operated vehicles with comprehensive, tailor-made policies.
- Affordable Rates with Expert Advice: Benefit from competitive pricing in Ontario and personalized insurance guidance.
- Flexible for All Vehicle Types: Ideal for any Ontario business, from single cars to extensive fleets.
- Simplified Insurance Process: Quick, straightforward coverage solutions for Ontario business owners.
Ontario high risk car insurance
- Unique Coverage for Unique Histories: Catering to Ontario drivers with diverse records, including DUIs and speeding incidents.
- Competitive Pricing with Personal Service: Affordable rates and dedicated support for high-risk insurance in Ontario.
- Expert Guidance, Tailored Coverage: Comprehensive assistance from quote comparison to policy finalization.
- Specialized Brokers for High-Risk Insurance: Navigate Ontario's high-risk insurance with our specialized brokers.
- Get Your Custom High-Risk Insurance Quote: Personalized, quick quotes for high-risk car insurance in Ontario.
Resources
Ignition Interlock Ontario
Electrifying the Roads: Canada’s iZEV Program
Car Theft Prevention: Ideas for Ontario Drivers
Smooth Transitions: Navigating Car Insurance in Ontario When Moving from Another Province
Car Insurance in Ontario, Changes to DCPD Coverage January 1, 2024
Top Ten Stolen Cars in Toronto 2021
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