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Located at the meeting point of the Speed and Eramosa Rivers, Guelph is considered one of Canada’s best places to live. Guelph has also been declared Canada’s safest city and Canada’s next most livable city, all for good reason. With approximately 26.2 million registered motor vehicles in Canada, having the right car insurance in Guelph is essential to protecting all motorists on the road.
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Car insurance is a type of contractual agreement you make with an insurance company. In exchange for a monthly premium, the insurance provider agrees to provide financial assistance to pay for repairs, replacements, and other expenses if you get into a car accident.
No matter what province you live in, all motorists are legally mandated to purchase some form of basic car insurance. However, because insurance coverage is provincially regulated, each province and territory has its own regulations surrounding what coverage options and coverage limits drivers must have.
For example, the minimum liability insurance requirement for those in Ontario is $200,000, whereas those in Nova Scotia are required to purchase $500,000. Whether you're a new driver or moving from out of province, knowing what coverages you need in Guelph is essential to protecting your finances and interests while following local traffic regulations.
Ontario reported a collision fatality rate of 0.38 per 100 million vehicle-kilometres travelled in 2021. If you're shopping for car insurance in Guelph, you'll need to guarantee you have the following mandatory types of auto insurance policies in your portfolio to ensure you're protected while travelling. Accidents can happen at any time. And while standard auto insurance coverage is meant to provide a baseline of protection to motorists, in most cases, it isn't enough. This is why most Guelph drivers opt to purchase additional coverage from their auto insurance companies.
Third party liability coverage
Uninsured automobile coverage
Accident benefits coverage
Direct compensation - property damage coverage
Collision coverage
Comprehensive coverage
Accident forgiveness coverage
Waiver of depreciation
Loss of use coverage
Third-party liability car insurance provides legal protection if a driver injures another person or causes property damage to another person’s property. For example, if the car in front of you slams on their brakes and you rear-end them causing damage to their vehicle and causing injuries, you could be held legally liable.
Under this portion of your policy, you can receive compensation to pay for medical expenses associated with injuries or repairs of a damaged vehicle, as well as legal fees and settlements up to their liability coverage limit. Minimum third-party liability coverage in Ontario is $200,000, but most drivers choose to increase this amount to at least $1 million for peace of mind.
Uninsured automobile insurance is also included in all standard car insurance policies in Ontario. It was designed to protect you and any passengers in your vehicle if you get into an accident with an at-fault driver who is uninsured or underinsured. This type of coverage also protects the driver in the event of a hit-and-run and will cover the cost of repairs or replacements of your vehicle.
If you, a passenger, or a pedestrian require medical attention following a collision, accident benefits coverage can help. Protection is offered regardless of who was at fault for the collision and can help cover income replacement and medical expenses for serious injuries, such as prescription medications, physical therapy, rehabilitation, and more.
Direct compensation - property damage coverage protects an insured vehicle and its contents from the costs of property damage, so long as the policyholder is not at fault for the accident that caused the damage. Under this type of coverage, the insurer typically provides direct payment for the repair or replacement of your vehicle.
Note: As of January 1, 2024, Guelph residents have the option of opting out of this extra coverage as it is no longer mandatory in Ontario.
Collision car coverage protects the policyholder if they get into an accident with another vehicle or object on the road, no matter who is at fault for the accident.
Under the collision section of your policy, you can receive compensation to help pay for any property damage that resulted from the accident, such as a damaged car. Note that if you need to file an insurance claim under your collision policy, you'll need to pay a deductible to your insurance company before they'll cover any remaining costs.
Did you know that auto theft claims in Canada reached approximately $1.5 billion in 2023? That's a 254% increase from the previous year! As vehicle owners, if you're worried about your car being stolen, comprehensive car coverage is for you. This auto insurance protects you from various non-car accident-related damages including theft, vandalism, fire, and natural disasters.
Again, you'll need to pay a deductible to your auto insurance providers before being compensated for remaining damages or losses.
One more type of optional car insurance coverage popular among Guelph drivers is accident forgiveness. Accident forgiveness is additional coverage that can be added to your car insurance policy as an endorsement, to protect your driving record and to help prevent your insurance premium from increasing if you have an at-fault accident claim. Note: coverage varies by province.
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Contrary to what car insurance myths claim, you can't negotiate car insurance rates. That said, there are ways Ontario drivers, no matter what Ontario cities they live in can lower their auto insurance rates without sacrificing how much protection they receive from their car insurance plan:
Do you have more than one vehicle in your household? If so, you could benefit from opting for a multi-car insurance policy rather than insuring each vehicle separately. Many car insurance companies offer discounts to customers who insure their cars under one insurance plan rather than multiple.
Ontario reported a collision fatality rate of 0.38 per 100 million vehicle-kilometres travelled in 2021. You don't want to contribute to this statistic or be the reason someone else is. Being a safe and responsible driver is the best way to secure the lowest premium from any insurance company in Ontario.
Driving histories with numerous car accidents, traffic violations, and other convictions can lead to expensive auto insurance premiums or the refusal from insurance providers to cover you in the first place. Young drivers are encouraged to take a defensive driving course, as it can prepare them to handle challenges on the road effectively.
Insurance providers often provide different discounts to customers including installing winter tires, security devices, being a safe driver, and more. Make sure to ask insurance agents or brokers whether you qualify for savings.
If you have more than one personal insurance policy already, you can benefit from bundling your policies with the same insurance company. Most providers offer savings to those looking for car insurance in Guelph who also have other policies with them already.
Deductibles range from $200 to $1000. Opting for a higher deductible means you'll need to pay more if you file a claim. But it can provide a discount on your car insurance rates.
Most car insurance companies use different scaling methods to calculate car insurance premiums for customers. Therefore, the best thing you can do when looking for the cheapest rates is to compare Guelph car insurance quotes from reputable insurance companies in the province to see what each offers.
Ask yourself what your insurance needs are before purchasing car insurance in Guelph. Car insurance in Ontario isn't a one-size-fits-all solution. For example, classic car insurance won't be the same as car insurance for international students.
So, understanding your insurance needs beforehand can ensure that your insurance coverage and car insurance rates reflect your habits and budget.
Car insurance brokers in Ontario work independently from insurance companies. This allows them to shop around on your behalf, compare Guelph auto insurance quotes, unlock discounts, and more. The best part about working with an insurance broker is that their professional services are free of cost!
How car insurance companies work is they consider various factors unique to each customer to create a risk profile on them before determining their car insurance rates. The more of a risk you are, the more you'll pay for car insurance in Guelph. Common factors used include:
The make, model, and safety specifications of what you drive can have a substantial impact on your car insurance costs. Luxury vehicles, sports cars, and newer models are more costly to fix. Because of their high repair costs, you'll need to pay more to cover your vehicle.
A driving history with numerous car accidents, traffic infractions, and insurance disputes suggests that you are more of a hazard to insure than the average motorist. This will lead to more expensive auto insurance rates.
Do you travel through the Gordon Street and Maltby Road intersection daily? What about Edinburgh Road South and Wellington Street West? These intersections not only have the highest percentage of crashes in Guelph, but they're also notorious for high traffic congestion.
When purchasing coverage, your Ontario insurer will look at where you live and travel during the day to determine how much your Guelph car insurance rates are.
If you are a new driver, you will pay more for vehicle insurance than experienced drivers who have been driving for many years, because statistics suggest that newer motorists are more likely to be involved in an accident. Young males are likewise at an increased risk of being involved in a collision.
Insurance histories involving many claims, late payments, and other warning signs might have an impact on your ability to locate cheap insurance coverage in Guelph.
The Ontario average for auto insurance was $1,796 as of October 2023, or $149.66 per month, representing a 7% rise over the previous year. Moving forward to 2024, the yearly average premium for drivers climbed by 11.6% in the third quarter of 2024.
Remember, these numbers are only the average and may not be reflective of what you end up paying for auto insurance. Remember to shop around for car insurance in Guelph and compare quotes to ensure you find a policy that meets your insurance needs. Additionally, maintaining a clean driving record throughout the years will help you secure cheap car insurance.
Want to learn more about Guelph car insurance? The BrokerLink team is available to take your calls, answer your emails, or chat with you in person at one of our many locations throughout Ontario.
No matter how you choose to get in touch, a BrokerLink insurance advisor will be happy to assist you. BrokerLink is also pleased to offer free car insurance quotes to all Guelph drivers. Obtaining a free BrokerLink quote is your first step in finding the best auto insurance policy for you. Contact BrokerLink to start your Guelph car insurance journey today.
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A car insurance write-off process occurs after an incident that causes considerable damage to the car you are driving. If your insurance company believes that the cost of repairing your car exceeds the current value of your vehicle, they will notify you that the vehicle is a write-off and then offer you money to replace it. If you disagree with the price offered or believe the vehicle is repairable, you may file an appeal to have the result reconsidered. Afterwards, you'll either be able to get your car fixed and have assistance from your provider paying for repairs or proceed with having your car written off. With the money you receive, you can either purchase a new vehicle or use it to pay for repairs.
Avoiding distractions behind the wheel is crucial to driving safely. Distracted driving is one of the leading causes of car accidents on major highways, so when you are in the driver’s seat, try to refrain from eating, drinking, chatting with others, fiddling with the radio, or searching for something in your bag. Inexperienced drivers should always give themselves ample space on the road, two car lengths to be specific. Maintaining a distance of two car lengths between yourself and the vehicle in front of you is a good rule of thumb to follow.
To make an insurance claim, call your insurance provider and report the incident. They will then ask you several questions to obtain a better understanding of your situation, such as what happened, where it happened, how much damage was done, whether other parties were involved, and so forth. They will then forward these details to an adjuster. During this period, they will investigate your claim, request evidence, and so on. After the investigation is completed, you will be provided reimbursement for your losses.
If you're on your way to purchasing auto insurance in Guelph, you'll need to ensure that you have the right documents ready to ensure that your appointment is as smooth as possible. Documents you need to bring with you include your driver's licence, vehicle information including VIN and licence plate, previous insurance coverage information, and documents relating to any traffic violations or convictions you may have on your record.
If caught driving uninsured anywhere in Ontario, including Guelph, you could face hefty fines. More specifically, Ontario drivers can be fined between $5,000 and $25,000 for a first offence and between $10,000 and $50,000 for a second offence. Plus, there is an extra surcharge that the driver is also required to pay. Driving without car insurance in Guelph is illegal and not worth the risk.
Whether or not your rates increase following a collision will depend on the circumstances of the accident and whether you were found at fault for what happened.
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