Car Insurance in Midland

Midland, the main town of South Georgian Bay, is a place you want to have a reliable vehicle. Ninety minutes north of Toronto in Simcoe County, the roads around Midland can be isolated and challenging in the winter and crowded in the summer thanks to the influx of tourists. Along with a reliable vehicle, you need reliable auto insurance in Ontario.

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Mandatory car insurance in Midland, Ontario

Car insurance is compulsory not only in Midland but throughout all of Ontario. This means that licenced drivers are required to have a valid car insurance policy if they wish to drive their cars. In Ontario, a valid car insurance policy is one that follows the province’s minimum coverage requirements for auto insurance, such as a minimum of $200,000 in third-party liability coverage, as well as direct compensation - property damage coverage, uninsured automobile coverage, and accident benefits coverage.

Furthermore, Midland drivers must have a vehicle that is roadworthy, including a vehicle safety standards certificate, and vehicle permit. They must also be prepared to provide their insurance agency with a record of their driving history (also known as a driver’s abstract) and inform them of anyone else who may be driving their vehicles regularly.

For inquiries about mandatory Midland car insurance coverage, get in touch with BrokerLink today.

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Driving without auto insurance in Midland

Driving a car without insurance is prohibited in Ontario. Therefore, if a motorist from Midland is stopped anywhere in Ontario and is found to be without insurance, they may face the following severe penalties:

  • Be fined between $5,000 and $25,000 for a first offence.
  • Be fined between $10,000 and $50,000 for a second offence.
  • Licence suspension for a minimum of 30 days to up to one year.
  • Have their vehicle impounded for up to three months.
  • Be forced to pay a 25% additional surcharge in addition to their fine as per the Provincial Offences Act.

If you're searching for auto insurance, get in touch with BrokerLink so that we can guide you in finding a plan with the ideal coverage.

Standard Midland car insurance coverage

All Midland drivers must have a car insurance policy that meets the minimum requirements set by the Ontario provincial government. By purchasing a standard car insurance policy in Midland, you will receive the four types of mandatory coverage: third-party liability coverage, accident benefits coverage, direct compensation - property damage coverage, and uninsured automobile coverage. Read on to learn more about each type below:

Third-party liability coverage

Should you be involved in an accident that causes harm to someone else's property or person, third-party liability will protect you. Under this portion of your policy, up to the policy limit, your insurance will help pay for medical expenses linked to a physical injury, any associated legal fees, and auto repair costs. In Midland, it is legally required for drivers to have third-party liability insurance with a minimum of $200,000 in coverage. Many opt to purchase additional insurance, sometimes as high as $2,000,000 if they are using their vehicle often or feel that they should have additional liability.

Accident benefits coverage

Accident benefits coverage is essential if you need medical care after a collision, whether you were the driver, a passenger, or a pedestrian. Regardless of who was responsible for the crash, it can assist in covering lost wages as well as medical costs (e.g., physical therapy, prescription drugs, rehabilitation, and other associated costs).

Direct compensation - property damage coverage

Your direct compensation - property damage coverage covers damage to an insured car and its contents. Your insurance company will typically make a direct payment for the resulting damage, such as to replace or repair a vehicle. You can be eligible for compensation under the direct compensation section of your policy if the incident happened in Ontario, involved at least one vehicle covered by the province’s auto insurance program, and involved multiple vehicles.

Uninsured automobile coverage

If you are in an accident and the at-fault driver has little or no insurance, or the other driver leaves the scene (hit-and-run), you and any passengers in your car will be protected by uninsured motorist coverage. Uninsured driver coverage pays for lost wages, vehicle repair costs, medical expenses associated with injuries, and other associated costs.

Optional car insurance in Midland, Ontario

Drivers in Midland can also opt to purchase other types of coverage in addition to the standard coverage listed above. While not compulsory, these additional coverages can offer added protection and peace of mind. Some of the more popular optional coverages are as follows:

Collision coverage

Despite who was at fault for the accident, collision coverage can assist with costs if you hit another car or a road obstruction while driving. Your insurance company can assist in paying for any related property damage expenses according to the terms of your collision policy. While this coverage does come with a deductible, it is often significantly less than paying for the entire damages out of pocket.

Comprehensive coverage

Midland motorists can upgrade their auto insurance policy to include comprehensive coverage protection for additional security. Basic car insurance in Ontario offers some collision protection, but it does not offer much else for additional roadside situations. For instance, your standard auto insurance won’t cover you if your car is stolen. By adding this policy, you would be covered from a number of perils, such as water damage, theft, vandalism, and fire.

Accident forgiveness coverage

You can protect your driving record and help prevent your insurance rates from rising if you are found to be at fault for an accident but have the accident forgiveness endorsement on your policy. While this does not mean your rates will not increase at all, it simply means that the company will not factor your accident into your premiums. The extent of this coverage varies by province.

How car insurance companies calculate car insurance premiums in Midland, Ontario

Ontario insurance providers consider a multitude of factors when determining car insurance premiums. As knowing which elements are most relevant may be helpful to Midland drivers, we’ve put together the following list:

  • Local laws
  • How you use your vehicle
  • Where you live (and work - if you drive to work)
  • Age
  • Gender
  • Out of country or province driving record
  • Marital status
  • Prior insurance coverage
  • Past claims
  • Your deductible
  • Driving experience
  • Driving record
  • Year, make, and model of vehicle
  • Annual mileage

How you can save money on Midland car insurance

At BrokerLink, we are dedicated to helping Midland drivers find competitive, affordable policies. By understanding the car insurance industry, our insurance brokers are able to shop and compare many insurance quotes in order to find you great insurance rates. Plus, our advisors love to provide tips for saving money on Midland car insurance, such as the ones listed below:

1. Pay annually instead of monthly

You can typically choose between paying your insurance premium in one lump sum or twelve monthly payments. Although opting for monthly could be appealing, some insurance providers charge a fee for each payment. By paying annually, you will only have to pay the fee once instead of 12 times! Some companies will waive the fee entirely or offer a rate discount if you opt for a single payment! Cha-ching!

2. Increase your policy deductible

A quick and easy way to start saving money is by raising your policy deductible, as a higher deductible generally results in lower premiums. This is because your provider won’t have to pay as much toward future claims. While increasing it, even from $500 to $1,000, will likely lower your insurance rate, please only pick an affordable amount.
This way you will not run into any problems if you do have a claim. To learn more about the impacts of raising your Midland insurance deductible, contact BrokerLink today.

3. Bundle multiple insurance policies together

Customers are frequently offered discounts from their insurance providers when they have multiple policies with the same provider. Therefore, if you’re also looking to purchase home insurance, tenant insurance, business insurance, or any other insurance, ask about bundling — it may save you up to 15% on each policy. Some companies will also consider waiving monthly financing fees if they have multiple policies for the same customer. Additionally, if you have various vehicles insured with different providers, think about combining them under one, like BrokerLink, to enjoy the benefits of a multi-vehicle discount.

4. Install winter tires

Driving on snow tires when the temperatures drop below 7’C could qualify you for a 5% insurance discount. Insurance companies recognize that winter tires are more capable in winter weather conditions than all-season tires. Winter tires reduce crashes because they provide better traction in snowy and icy weather and can brake more efficiently on slick or icy surfaces. To learn more about our discount on winter tires, contact one of our insurance brokers.

5. Enrol in driving school

This piece of advice is for young drivers to enroll in a reputable driving school. You will study defensive driving techniques as well as the rules of the road. Lessons are largely believed to make new drivers safer and more willing to follow traffic regulations. As a result, new drivers who complete driver’s education at an approved driving school can qualify for a discount.

6. Buy a hybrid or electric vehicle

You might save up to 10% on your insurance coverage just by driving a hybrid or electric vehicle, as insurance providers all throughout Canada routinely offer incentive-based discounts to green vehicle owners.

Tips for young drivers in Midland, Ontario

Young drivers in Midland should start learning the rules of the road right away. Although learning to drive might be stressful, we are certain that you can become a safe and responsible driver with time and dedication. Below are some driving tips you should bear in mind to assist you in developing safe driving practices:

  • Slow down - the likelihood of colliding with another vehicle is much less when you drive more carefully.
  • Leave ample space - on regular roads, leave two car lengths of space between you and four car lengths between you on a highway.
  • Minimize distractions - put your phone down and avoid messing with the radio.
  • Never drive impaired - consider assigning a designated driver or calling an Uber or taxi if you choose to indulge in recreational drugs or alcohol. Not only is driving impaired dangerous, it can lead to serious fines or license suspensions.

The benefits of working with a Midland insurance broker

Reliable insurance brokerages like BrokerLink make the process of looking for insurance hassle-free by doing all the work for you! Our brokers compare prices on your behalf to find you the best coverage at the lowest cost. This saves our customers both time and money!

Here are three excellent reasons to get in touch with a Midland insurance broker right away:

Brokers operate independently of insurance companies

You can count on BrokerLink to prioritize you and your needs above all else, as our brokers are independent of insurance companies. This means we can find you the right insurance by comparing different coverages instead of trying to sell you a specific insurance product. Before deciding on insurance coverage that best fits your needs, our devoted insurance brokers take the time to fully understand your budget, needs, and lifestyle.

Brokers take care of everything

Secondly, insurance brokers handle everything on your behalf. In order to provide you with the best solution for your needs, after you contact BrokerLink, your designated broker will collect and compare coverages from leading insurance providers.

Brokers are insurance experts

The BrokerLink staff has been dedicated since 1991 to helping customers get insurance coverage that meets their needs and budgets. We can guarantee that you will receive the most affordable rate on your coverage because we are highly skilled in everything related to Midland insurance.

Contact BrokerLink for a free car insurance quote in Midland

You can reach us by phone, email, or in person at any one of our locations throughout Ontario. No matter how you choose to get in touch, a BrokerLink insurance broker will be happy to assist you with all your home and auto insurance needs. We also encourage you to take advantage of our free online auto insurance quote tool that can provide you with a competitive quote in minutes.

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