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To operate a motor vehicle on public roads in Ontario, all motorists require auto insurance–it’s the law. This is where InsuranceHero.ca kicks into gear.
If you’re thinking about buying insurance online, let Insurance Hero save the day, with affordable coverage options to protect your vehicle and interests when you’re behind the wheel.
In Ontario, mandatory auto insurance coverage includes the following coverages:
Liability insurance for drivers requires a minimum of $200,000 in coverage. However, most drivers opt for at least $1 million. This covers you if you are in an at-fault accident that causes property damage or bodily injuries to a third party. Should a lawsuit be filed against you, liability coverage will cover repairs, replacements, legal fees, and other associated expenses related to your settlement.
Accident benefits coverage will cover you, your passengers, and the pedestrians involved if you are injured or pass away as the result of a collision, regardless of who is at fault. This auto insurance will cover the costs of medical and rehabilitation expenses, loss of income, and more up to your policy limits.
Beyond mandatory insurance requirements, motorists have the option of adding additional insurance in Ontario to further reflect their driving habits and insurance needs. This includes:
To buy car insurance online, Contact to find affordable insurance in Ontario, or ask for more information about what is included in your policy.
Insurance companies use numerous factors to calculate car insurance rates. These auto insurance premiums vary based on your individual risk profile. The higher your risk profile, the more you can expect to pay for your coverage.
Factors an insurance provider will consider, regardless of if you purchase coverage in person or buy car insurance online include:
If you receive a car insurance cost that feels too high for your budget or needs, ask us about discounts and bundles to save money. InsuranceHero.ca can help you save some dollars on your policy!
Car insurance is unavoidable if you own a car. However, that doesn’t mean you need to purchase every type of car insurance available on the market. There are ways to reduce your premium cost in Ontario, as listed below.
The extent of coverage you need depends on your lifestyle and finances. If you’d like to compare costs with different types and levels of coverage, use Hero’s quote tool or reach out to a Hero today to find the best policy for your needs.
Don’t let car insurance send you over the edge when InsuranceHero.ca can save the day!
Our team of dedicated insurance advisors will guide you through a range of insurance options and help you choose features, deductibles and pricing best suited to your needs. Whether you’ve had auto insurance for several years or are just starting, we can provide you with affordable insurance options without compromising your car insurance coverage. Let Insurance Hero help you protect one of your most expensive assets.
When you’re getting your insurance policy together, you might feel overwhelmed by the amount of choice. We get it, sometimes choice isn’t always a good thing! But don’t worry, we’re here to help.
Unfortunately, it’s hard to say, “If this, then get this” when it comes to car insurance. The coverage that will work for you depends on your lifestyle. Here are some things to consider:
For instance, if you live in a city you might be more concerned about scrapes, dents and scuffs to your car when compared to someone who lives in a small town. For this reason, you might want more coverage in that area.
Alternatively, you might be more concerned about needing roadside assistance in a small town, when compared to a city, meaning you’ll want more coverage in that department.
Another important factor to consider is your finances. Start by asking questions such as, how much can I afford for insurance? What deductible can I realistically afford? If my car were to get damaged, what could I afford to repair on my own? These questions will help you determine the kind of car insurance coverage you need as well.
Next, take a look at your vehicle. Is it brand-new with high repair costs? Or is it an older model?
Choosing what you need for car insurance is overwhelming, even if you know what you want! We’re here to help you out with the process. Contact us to have your questions answered today.
As you may have noticed, car insurance in Ontario isn’t exactly the cheapest in Canada. But why?
One reason for the exorbitant cost is insurance fraud. According to the Insurance Bureau of Canada (IBC), Ontario is the insurance fraud capital of Canada which involves faking collisions, exaggerating damages or overbilling services during a claim.
Insurance fraud causes the price of premiums to go up because there is more risk to the insurance company that an individual will report an accident and make a claim. Ontario is trying to put a stop to this issue, however, it’s a complex problem that doesn’t exactly have an easy solution.
Another reason for the high cost in Ontario is the driving challenges and amount of drivers. Daily commuters in Ontario face more challenges than other Canadian drivers, especially in the Greater Toronto Area.
If you’ve driven on the Gardiner Expressway, DVP or 401 during rush hour, you’ll understand the challenges we’re talking about! In addition, there are more drivers in Ontario which means there is a greater risk for accidents.
The silver lining is many car insurance providers are competing for your business in Ontario which brings down the cost. Our heroes can help you obtain a competitive offer that suits your budget today!
Why shop for car insurance with Insurance Hero?
We are fast and efficient. Let us do all the work, so you can sit back and relax!
Bundle up and save! Let us conduct a portfolio review to maximize your savings without minimizing coverage.
We’re recognized as a leader in the online insurance space. We never stop innovating!
Have questions? We have the answers! Call, chat, email, facebook – our friendly staff is at your service.
Get a quote at anytime from anywhere. We’re always open for business!
We’ll rescue you if you have a claim at any time of day…or night!
Rest assured knowing your information is protected at all times!
Is your insurance keeping up with your life? At InsuranceHero.ca we make sure you are properly covered and getting the best value year after year!
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