Auto Insurance Quotes in Oshawa
Car insurance in Oshawa is necessary regardless of your vehicle’s ownership status. The standard Oshawa auto insurance policy can be daunting, but our experienced team is here to help. Whether you’re a newly licensed driver or a seasoned pro, we’ll make sure our Oshawa car insurance brokers find you get the right coverage at the best price.
To find the ideal coverage for you and your vehicle, it is beneficial to consult a car insurance broker. They can help you navigate options and receive the best deals.
Obtaining auto insurance quotes in Oshawa is now easier than ever. You can get your free car insurance quotes completely online for the most affordable coverage tailored to your needs.
Protecting your peace of mind… that’s the Roughley Advantage.
Get the LOWEST Oshawa Car Insurance Rates
Required Car Insurance Coverage in Oshawa
Oshawa requires drivers to have a minimum level of car insurance coverage, including:
- Liability for bodily injury
- Liability for property damage
- Direct compensation
- Insurance for uninsured motorists
- Accident benefits
Direct Compensation
Direct Compensation – Property Damage (DCPD) coverage helps pay for vehicle repairs without a deductible when another driver is responsible for an accident.
This coverage also applies to items in the vehicle and rental car expenses.
Coverage for Uninsured Vehicles
In the event of an accident with an uninsured driver, Uninsured Automobile Coverage provides protection, enabling you to recover damages as if the other driver had insurance. This also applies to hit-and-run incidents.
Accident Benefits in Oshawa
The Oshawa government includes basic medical benefits to protect drivers in the event of injury. However, it is advisable to consider purchasing additional coverage based on individual health plans and family needs. The standard accident benefits limits may not be sufficient, especially for medical, rehabilitation, and attendant care expenses.
It is estimated that 10-15% of Oshawa drivers do not carry auto insurance, which is why it is crucial to have protection against uninsured drivers.
Collision Car Insurance Coverage Option
Collision coverage, though optional*, protects drivers in at-fault accidents and covers damages to their own vehicles. This coverage also applies to hit-and-run and parking lot accidents. The standard deductible for collision coverage is $1000, but it can be adjusted depending on individual needs.
*Most lenders will require collision coverage if leasing or financing your vehicle.
Comprehensive Auto Insurance Coverage Option
Comprehensive coverage can be added to a car insurance policy for an additional premium. This coverage is subject to a deductible and protects drivers from damages caused by fire, theft, vandalism, falling objects, and collisions with animals. Comprehensive coverage also covers glass repairs.
Additional optional endorsements include Loss of Use, Liability for Damage to Non-Owned Vehicles, Claims Forgiveness Protection, and Limited Waiver of Depreciation. These coverages help further protect drivers in situations such as renting a vehicle, preserving a good driving record, and maintaining the value of a new vehicle.
Keep in mind that some insurance companies offer discounts for shorter commutes or no commute at all.
Upgraded Coverage Limits
Upgrade your coverage limits for liability and/or accident benefits, such as medical, rehabilitation, attendant care, income replacement, death, and funeral expenses. Though some basic coverages are provided in the standard auto policy, these coverages can often prove insufficient. Accident benefits can be a tricky area to navigate but your broker is your best resource.
Trust Roughley car insurance brokers for all your needs!
At our insurance brokerage, we understand that the decision to trust someone with your auto insurance needs is significant. Our commitment and dedication to providing unparalleled service sets us apart as a trusted partner in safeguarding what matters most to you. We take pride in going above and beyond to tailor coverage plans that suit your unique requirements, ensuring you and your loved ones are well-protected on the road and at home.
Clients trust us because we prioritize transparency, honesty, and integrity in every interaction. Our team of experienced professionals is dedicated to guiding you through the complexities of auto insurance, making the process seamless and understandable. We believe in building lasting relationships by consistently delivering on our promises and exceeding expectations.
When you choose us as your insurance partner, you are choosing a team that is committed to your peace of mind and financial security. Discover the difference between working with a brokerage that values your trust, prioritizes your protection and cares.
Contact us today, and let us embark on a journey of safeguarding your driving experience together. Your peace of mind is just a click or call away!
Insure Your Personal Vehicle
At Roughley, our experienced brokers can help you choose the best and most affordable coverage for any type of vehicle, for family or fun. We are dedicated to meeting your insurance needs with the right coverage at the right price.
Insure Your Classic Car
Flexible Usage
You don’t have your classic car just to admire it… it was made to be driven! Whether you’re going for a Sunday drive or taking your beauty out to a car show, we have you covered.
Flatbed Roadside Assistance
Our optional best-in-class program provides guaranteed flatbed roadside assistance and other benefits. We are confident that you won’t find a better option for ensuring your classic car is protected in the event of a breakdown.
Low Minimum Premiums
At Roughley, we will always get you the right coverage for the right price. We work with specialty insurance companies who only insure antique and classic cars, which allows us to offer you best-in-class coverage at a significantly lower price than traditional insurers.
FAQs on Auto Insurance Quotes
What factors influence car insurance costs?
Several factors can influence the cost of car insurance, such as:
- Age and experience of the driver
- Driving record (including accidents and traffic violations)
- Location and neighborhood
- Make, model, and age of the vehicle
- Usage of the vehicle (daily commute, business, or leisure)
- The presence of safety features or anti-theft devices in the car
How can I get a discount on my auto insurance premium?
To get discounts on car insurance, consider the following:
- Bundling your car insurance with other types of insurance (like home or renters insurance)
- Maintaining a good driving record
- Taking a defensive driving course
- Installing safety or anti-theft devices in your car
- Choosing a higher deductible
What’s the difference between Comprehensive vs. Collision coverage?
Comprehensive coverage protects any damages to your vehicle that are not caused by a collision, such as:
- Theft
- Vandalism
- Natural disasters
- Fire
- Damage from animals
Collision coverage specifically covers damage to your vehicle when it is involved in a collision with another vehicle or object.
Do you determine the value of a totalled car?
Insurance companies typically use one of the following methods to determine the value of a totalled car:
- Actual Cash Value (ACV): The current market value of the vehicle, taking into account its age, mileage, and condition
- Replacement Cost: The cost to replace the vehicle with a new one of the same make, model, and equipment
- Agreed Value: A value agreed upon by the policyholder and the insurer at the time the policy is purchased
What is Oshawa's Minimum Car Insurance Requirements?
In Ontario, drivers must have the following minimum car insurance coverages:
- Third-Party Liability: Covers damages resulting from a driver’s negligence
- Accident Benefits: Provides medical and rehabilitation benefits for injured individuals
- Direct Compensation-Property Damage: Covers property damage and allows the policyholder to receive compensation from their own insurance provider
- Uninsured Automobile Coverage: Protects the policyholder from drivers who lack insurance or who commit a hit-and-run
Get the Roughley Advantage
Contact our Roughley Farm Insurance brokers who specialize in agricultural insurance. We can assess your unique needs and customize insurance packages that offer comprehensive protection based on the specific type of farm and activities involved.
Connect in Oshawa
- 1000 Simcoe Street North Oshawa, Ontario L1G 4W4
- 905.576.7770
- insure@roughleyinsurance.com
Connect in Bowmanville
- 31 King Street West Bowmanville, Ontario L1C 1R2
- 905.697.4257
- insurebowmanville@roughleyinsurance.com
Connect in Port Perry
- 269 Queen Street, Port Perry, Ontario L9L 1B9
- 905.697.4257
- insurebowmanville@roughleyinsurance.com
Get a Quote
We’ll find you the right coverage.
Roughley commercial clients may qualify for special discounts on your home & auto.
