Car insurance in Uxbridge

When you shop for car insurance with an insurance broker in Uxbridge by your side, you won’t be disappointed. One of BrokerLink’s car insurance experts can help you find any and all types of auto insurance, from liability coverage to comprehensive coverage. Read on to discover more about our Uxbridge auto insurance services.

Is car insurance required in Uxbridge?

Yes. There is no way around it, if you want to drive in Uxbridge, you will need to purchase a valid auto insurance policy. Valid auto insurance in Uxbridge looks like this:

The four mandatory car insurance coverages explained

For more insight into how the four types of mandatory car insurance coverage in Uxbridge can protect you, keep reading:

Third party liability coverage

Uxbridge drivers must add at least $200,000 in third-party liability coverage to their policies. This coverage protects drivers from at-fault accidents. Specifically, it can pay for legal fees, medical expenses, and repair bills if they are involved in an accident that was their fault.

Accident benefits coverage

Accident benefits coverage will cover medical bills that arise when someone is injured in a car accident. Whether you, a passenger, a pedestrian, or someone else involved in the accident was injured, you can still file an accident benefits claim. Expenses it might cover include physical therapy, rehabilitation, prescription medications, lost income, and funeral fees.

Direct compensation coverage

Direct compensation coverage is a form of property damage coverage that will pay for your car to be repaired if it is damaged in a collision. However, if you are at fault for the collision, then you won’t be able to claim direct compensation coverage. Policyholders are only eligible for direct compensation if they are not found liable for the accident. Further, if your vehicle is damaged but you aren’t sure how severely, make your way through this vehicle inspection checklist before contacting your mechanic.

Uninsured automobile coverage

Uninsured automobile coverage will cover medical bills, repair bills, and more if you are involved in an accident with an uninsured, underinsured, or anonymous driver. In other words, if you are involved in a hit-and-run or an accident with someone who is illegally driving without car insurance, you can file an uninsured automobile coverage claim.

Optional car insurance coverage in Uxbridge, Ontario

Car insurance in Uxbridge doesn’t stop at the four coverages listed above. In fact, there is a whole world out there of other car insurance coverages you can add to your policy. Although they are not legally required for Uxbridge drivers, many motorists still find them to be incredibly worthwhile. From collision coverage to accident forgiveness coverage, continue reading to learn more about some of the most popular types of extra protection in Uxbridge:

Collision coverage

Collision car coverage will pay to repair or replace your vehicle if it gets damaged in a collision. Thus, collision insurance is a form of property damage coverage. However, unlike direct compensation coverage, which is mandatory, collision coverage isn’t just available if you aren’t at fault for the accident. It can also be claimed if you are found liable for the accident, as well as if the accident was with another vehicle, animal, or grounded object. Collision coverage might be especially important if you have a high-value car, as it can pay for you to replace your car if it gets totalled. Learn more about car depreciation per year and what makes extra insurance so important for new cars by contacting BrokerLink.

Comprehensive coverage

Comprehensive car coverage covers your car against risks unrelated to collisions. For example, it can pay for damage related to theft, vandalism, fire, explosions and riots, falling and flying objects, and weather-related events, such as flooding and hail. Be sure to read through your policy carefully to confirm what specific perils comprehensive insurance covers.

Accident forgiveness coverage

One more type of optional car insurance coverage popular among drivers in Uxbridge 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 and eligibility vary by province.

Loss of use coverage

Loss of use coverage can pay for you to take alternate modes of transit if you are in an accident and your car is rendered temporarily unusable. While your car is out of use, you can file a loss of use claim to cover you for costs like taking taxis, public transit fares if you choose to take the bus, or rental car fees that are incurred during this time. You can learn more about rental car insurance by contacting BrokerLink and speaking with an advisor today.

How are Uxbridge car insurance rates calculated?

They are calculated according to the factors below. These factors range from a driver’s age and home address to their insurance claims history and driving record. You might even be surprised to learn that gender affects car insurance. For a full list of factors that an insurance company may weight when calculating your Uxbridge car insurance premium, keep reading:

  • Where you live
  • Age
  • Gender
  • Vehicle type
  • How you use your vehicle
  • Driving record
  • Driving experience
  • Past claims
  • Prior insurance coverage
  • Number of kilometers you drive
  • Type of coverage on your policy
  • Your deductible(s)

How much does an Uxbridge car insurance policy cost?

It’s difficult to answer this question as each person's answer is unique. Given all the different factors that an insurance company will consider, you are better off requesting a free insurance quote from BrokerLink. A free quote will give you an estimate as to how much a policy will cost you. A BrokerLink insurance advisor can also explain in greater detail what factors come into play and what you can do to keep your rates low.

We’re in your community

At the core of BrokerLink is generosity, integrity, excellence, and respect. These are the values that we live by. Our customers know this, which is why we are the leading insurance brokerage in Uxbridge. You can learn more about our company values and customer-driven approach to insurance by getting in touch today.

Contact us

At Uxbridge BrokerLink, we’re here to help you with any insurance needs you may have. Whether it’s insuring your home, car, business, recreational items, or pets, let us help you find the best coverage possible. We can also help you adjust or renew your policy down the road.

You can reach us by phone, email, or visit our location in Uxbridge. No matter how you choose to get in touch, a BrokerLink insurance advisor will be happy to assist you. We also encourage you to take advantage of our free online quote tool that can provide you with a competitive quote in minutes.

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Uxbridge car insurance FAQs

How can I obtain an auto loan in Uxbridge?

You can get a car loan in Uxbridge by applying for a loan at a lender in your area. Before you formally apply for a loan, getting pre-approved is a good idea, as it will give you an idea of how much you can afford to spend on a new car. Remember that your credit score matters when shopping around for a car loan, so we don’t recommend taking out a loan unless you have a high credit score.

How do I file a car insurance claim in Uxbridge?

You can file an insurance claim in Uxbridge by contacting your insurance provider. First, you should explain what type of incident occurred and then ask the process for filing a claim, as each provider’s process might be slightly different. Most claims processes involve the policyholder filling out a form, submitting it, and an insurance adjuster reviewing it, asking the policyholder any necessary questions, and then making a recommendation to the insurance company. The final step is when the policyholder wants to hear from the insurance company. They will eventually provide you with a status update to let you know if your claim has been approved or denied. If it has been approved, they will tell you how much money your payout will be worth, how you will receive it, and the timeline for receiving it. There are all sorts of reasons that Uxbridge drivers file car insurance claims, from collisions that result in damage or bodily harm to vehicle theft.

What is the process for renewing car insurance in Uxbridge?

The process for renewing car insurance in Uxbridge is fairly straightforward. The first step is to contact your insurance company or broker and let them know that you’d like to renew your policy. Most of the time, your insurer will allow you to renew your plan unless you have a material change in risk or did not make your payments on time. Assuming you are able to renew your policy, you may have to sign a new contract and make your next insurance payment, but other than that, your coverage will continue.

Am I allowed to drive my car with expired car insurance in Uxbridge?

No. Driving with expired car insurance is illegal because, in effect, it is driving with no insurance whatsoever. Thus, if you are caught driving with an expired policy, you can be charged with uninsured driving and face consequences, like fines of up to $50,000, the impoundment of your car, and the suspension of your driver’s licence.

Do insurance companies offer discounts to policyholders who install snow tires on their cars?

Yes, many do. For several years now, insurance companies in Ontario have offered auto insurance discounts to customers who install snow tires on their cars. This is to motivate others to install snow tires on their vehicles, which ultimately makes winter driving much safer. To qualify for a winter tire discount in Uxbridge, ensure you comply with all conditions set by your insurer.

How do auto insurance deductibles work in Uxbridge?

As with anywhere else in Ontario or even Canada, for that matter, auto insurance deductibles work like so: When you file an insurance claim, you must pay the deductible amount before your insurance company steps in to cover the rest. Deductible amounts for car insurance often vary between $500 and $2,000, and it is up to each policyholder to decide what amount is right for them. By choosing a higher amount, you will have to pay more money in the event of a claim but less money upfront because your insurer is likely to reduce your rates. In contrast, if you choose a lower deductible, then you will have to pay less money in the event of an insurance claim but more money upfront because your premium will be more expensive.

I got into a collision and was found liable. How will my Uxbridge car insurance rates be impacted?

The truth is that accidents affect car insurance rates. It’s just the way it is. If you get into an at-fault accident, your rates are very likely to go up the next time that your plan is renewed. The amount that they will increase varies depending on the circumstances and severity of the accident. However, you can expect your premium to be higher for up to six years until the at-fault collision is no longer on your record. If you have accident forgiveness coverage, you may not be subject to higher rates following an accident, though this will only be the case for your first at-fault accident.

At what age will my Uxbridge car insurance rates drop?

You can expect your car insurance will go down around the time you reach seven years of clean driving history. However, this isn’t a guarantee. Rumour has it that rates go down at age 25. However, if you only start driving later, then your rates may remain the same after you turn 25 years old. Further, if you have a poor driving record with lots of infractions, then your rates may take longer to go down. In fact, they may not go down at all. Racking up traffic tickets and other infractions is a quick way to increase your premium rather than decrease it. Speaking of infractions, if you get into a car accident, then your rates may be increased and may not go down for a period of six years. Six years is how long accidents remain on driving records in Ontario. If you want to keep yourself safe on the road and reduce the odds of an accident, read through this list of safe driving tips.

Can an insurance broker help me find Uxbridge car insurance?

Yes. In fact, an insurance broker can help Uxbridge drivers find all types of coverage, including basic coverage, enhanced coverage, new driver coverage, and senior driver coverage. Some specific types of car insurance that an Uxbridge insurance broker can help customers find include third party liability, accident benefits, direct compensation, uninsured motorist, collision, comprehensive, waiver of depreciation, loss of use, roadside assistance, and accident forgiveness coverage.

How can I lower my Uxbridge auto insurance rates?

Drivers in Uxbridge can lower their auto insurance rates by bundling home and auto insurance policies or purchasing multiple auto insurance policies. Either way, you will be buying more than one insurance product from an insurance company, and they will likely reward you for doing so at cheaper rates. Another way to save money on Uxbridge car insurance is to qualify for an auto insurance discount. Some of the most popular types of car insurance discounts in Uxbridge are winter tire discounts, telematics discounts, anti-theft device discounts, safe driver discounts, driver’s education discounts, occasional driver discounts, education discounts, and employment-based discounts.

Do I need an Ontario driver’s licence to purchase an auto insurance plan in Uxbridge?

Yes. No policyholder is allowed to buy auto insurance coverage in Uxbridge unless they have a valid Ontario driver’s licence.

What are the consequences of driving without car insurance in Uxbridge?

The consequences of driving with car insurance in Uxbridge include the following: a maximum fine of $25,000 for a first offence and $50,000 for a second or subsequent offence, a surcharge of 25% on any fines incurred, the impoundment of your car for up to 90 days, and the temporary suspension of your Ontario driver’s licence for up to one year. These are just the legal consequences of getting caught driving without insurance. On top of this, if you get into a collision, whether you’re at fault or not, you would be on the hook for paying for the cost of the accident on your own.

How do I obtain a complimentary car insurance quote in Uxbridge?

Obtaining a free car insurance quote in Uxbridge is easy! Reach out to an insurance company or broker in your area and ask them if they offer free quotes. If they do, answer some questions about yourself, the type of vehicle you drive, your driving habits, and your insurance needs, and before you know it, you will receive your free quote. You may also be able to obtain a free quote through your insurance company’s website in as little as five minutes!

If you have any questions, contact one of our local branches.