Car insurance in Windsor

In most cases, yes, the cost of car insurance will go up if you get into an at-fault accident, given how car insurance companies work. One exception to this is if you have accident forgiveness coverage in your policy, and this was your first at-fault accident. In this scenario, your premium would be unaffected due to the incident. However, if you got into a second or subsequent at-fault accident, your insurance premium would increase.

Driving without insurance in Windsor is illegal, which means the consequences of getting caught are serious. While the specific penalty you receive is ultimately at the discretion of the police officer who pulls you over, the maximum fines for uninsured driving in Ontario go up to $25,000 for a first offence and $50,000 for a second offence. On top of any fines incurred, you are required to pay a 25% surcharge. You can also have your driver’s licence temporarily suspended for anywhere from 30 to 365 days and have your car impounded.

Yes, one of the things you need for car insurance is a valid driver's licence. If you want to list other drivers on your policy, be prepared to provide copies of their driver’s licences as well.

In the event that your car has been damaged in an accident, you will probably submit a claim to your insurance provider under your collision insurance (assuming you have purchased this optional coverage). The vehicle may be deemed a write-off by your insurance provider once it has been examined by a qualified mechanic. So, what then occurs during the car insurance write-off process? When your vehicle is a write-off, it indicates that the damage is either unfixable or exceeds the car's worth. You can use the settlement sum that your insurance provider provides in this situation to replace your vehicle.

Yes, adding winter tires to a car in Windsor can result in a car insurance discount. Insurance providers in Ontario are required to offer winter tire auto insurance discounts to any customer who meets the conditions. These conditions vary but typically, customers are simply required to have their winter tires installed by a certain date. All four winter tires may also need to be the same make and model. Make sure to notify your insurer about your winter tires if you wish to qualify for this type of discount.

If a personal belonging, such as a wallet, was stolen from your vehicle, your Windsor car insurance policy is unlikely to cover you. While some auto insurance - namely comprehensive coverage - can protect you in the event that your vehicle is stolen, no type of car insurance coverage is designed to protect against personal belongings being stolen.

However, if you have comprehensive coverage as part of your policy, your insurance company may pay to repair your vehicle if it is damaged by a burglar in the process of stealing your belongings. 

Yes, so long as you only travel outside of Ontario temporarily. For example, if you are visiting another Canadian province on a family vacation, your auto insurance should be sufficient. However, if you move provinces, you will need to notify your insurance company and update your coverage. At a minimum, you will need to inform them of your change in address, which is likely to impact your rates.

While affordable car insurance is always the goal, sometimes cheaper insurance rates mean having to sacrifice the level of protection you have. Therefore, when comparing auto insurance quotes, it's equally as important to compare what each policy offers. This way, you can find car insurance rates that fit your budget without having to compromise on your coverage.

Generally speaking, younger drivers and those with poor driving records or insurance histories tend to have the highest insurance costs compared to others. Younger drivers are statistically more likely to get into a car accident compared to experienced drivers. At the same time, those with numerous traffic violations on their driving record and a history of claims under their insurance are equally known as having higher risks to insure than others. Therefore, it really depends on your driving history as a whole and whether you follow the rules of the road or not.

Yes, online quote tools do a great job in estimating what your insurance costs will be, provided that you have given the correct information.

Yes, all insurance policies, whether it be your accident benefits or collision, will have a deductible that needs to be paid before the remaining costs are covered by your insurance company. Deductibles tend to range from $300 to $1000. When you purchase your insurance coverage, you'll have the opportunity to choose what deductible amount you'll pay when filing an insurance claim. So, ensure that you are able to comfortably afford the deductible you choose.

Your needs will determine which insurance provider is ideal for you. You might be better off with one company, while your friends or family members could choose to partner with a different one. Everything relies on your financial situation and particular insurance needs.

An at-fault accident is one you are legally responsible for causing. For example, if you're approaching a yellow light and the car in front of you slams its brakes, causing you to hit the rear end of the vehicle, you would be responsible for the collision. As a result, you'll be responsible for paying for any damages to the other driver's vehicle and your insurance rates will likely increase the following year.

You can get a free insurance quote in Windsor by contacting a licensed insurance broker or agent. Many insurance companies and insurance brokers offer complimentary car, home, and business insurance quotes to Windsor customers. All you have to do is get in touch and ask, and you can receive a free quote in as little as five minutes.