Car Insurance in Ajax

Most likely, yes. Winter tire discounts are one of the most popular types of car insurance discounts in Ontario. In fact, insurance companies in the province are legally required to offer this type of discount to any policyholder who meets the conditions. Conditions vary but are generally fairly basic, such as installing the winter tires by a set date each year or making sure that all four tires are the same make and model. Contact your insurance provider if you intend to swap out your summer tires for winter tires.

Interested in renewing car insurance in Ajax? Renewal processes vary between insurance companies, but to get started, the best thing to do is contact your insurance company or broker and let them know that you would like to renew your policy. Make sure to do this in advance of the expiry date. Otherwise, you risk a lapse in coverage, or having to pay for two separate insurance policies and a gap could lead to an increase in your premium. Plus, even though expired car insurance renewal is possible, it could also put you at risk of driving without car insurance, which is illegal and can have severe consequences.

Typically, yes, though it depends on the circumstances of the accident. For example, if you did not cause the accident, then your rates may not be affected. However, if you were responsible for the accident, then your premium is likely to increase upon renewal and may remain higher for several years. In Ontario, accidents remain on driving records for six years. If your car insurance plan features accident forgiveness coverage and this was your first at-fault accident, then your premiums will be unaffected just as if you had not caused the accident at all.

In most cases, no. If you have a home insurance policy, it may cover personal belongings being stolen from your car, but it depends on the circumstances surrounding the burglary and the terms and conditions of your property insurance plan. However, generally speaking, car insurance policies do not cover the theft of personal items left in your car. That said, if you add comprehensive coverage to your policy, you can receive a payout in the event that your entire car or a permanent part of your car, like the steering wheel, is stolen. You can also be compensated if your car is damaged by a thief in the act of stealing a personal belonging from your car, such as if they smashed the passenger seat window to grab your wallet. For the broadest possible protection, do some research into the different types of auto insurance available to Ajax drivers.

Bundling insurance policies, choosing high policy deductibles, installing winter tires on your car, equipping your vehicle with an anti-theft device on your car, buying a car with a high safety rating, and driving responsibly can all lead to lower car insurance rates. Find more safe driving tips here.

No. You must have a valid driver’s licence in order to purchase car insurance and legally drive in the province of Ontario. You will also need a driver’s licence to register your vehicle with the Ontario Ministry of Transportation, which is also required before getting behind the wheel.

Yes. Car insurance follows the car, not the driver. Thus, if you let someone borrow your car and they get into an accident, your insurance coverage will also cover them. The only exceptions to this are if the person you let borrow your car is an excluded person on your policy or if they were committing an illegal act at the time of the accident, such as drinking and driving.

Yes, your car insurance will continue to protect you, even if you leave the province of Ontario, so long as you are only driving outside the province temporarily. If you are planning a permanent move, you will need to notify your insurance company. Depending on its services and the areas they operate in, you may have to find a new policy or at the very least, update your coverage to reflect the coverage requirement in the new province you are moving to.

The consequences of uninsured driving in Ajax are severe, which is why it is always recommended that you purchase car insurance. Car insurance is designed to protect you, your vehicle, and other drivers on the road. Failure to purchase a policy that complies with Ontario’s minimum coverage requirements could result in a maximum fine of between $25,000 and $50,000, the suspension of your driver’s licence for up to a year, and your vehicle being impounded.

You can contact an insurance company or insurance broker to obtain a free car insurance quote in Ajax. anytime you request a free auto insurance quote, be prepared to answer some questions about your insurance needs, insurance history, the type of car you drive, and more. Nowadays, insurance quotes can be obtained over the phone, online via an insurance company’s website, or in person.

Ajax drivers are required to have no less than $200,000 in third party liability insurance. This type of coverage offers financial protection against property damage and bodily injury if you get into an accident that you cause. Failure to carry a minimum of $200,000 in liability insurance could lead to a fine of up to $25,000 for a first offence or $50,000 for a second offence.

Your credit score could have an impact on your Ajax car insurance premium, though it depends on the insurance company. Some insurance companies will look at your credit score, among other factors, when setting your premium, while others will not. The reason an insurer might assess your credit score is to gain a better understanding of your financial responsibility. Typically, the higher your credit score is, the cheaper your rates will be. Keep in mind that even if your insurance company takes into account your credit score, this is just one factor of many that they will consider. Other factors that play a major role in determining auto insurance premiums in Ajax include age, location, annual mileage, the type of car you drive, and more.