Get The Best Car Insurance Quotes In Ottawa From The Leading Auto Insurance Broker.
Auto Insurance Requirements in Ottawa, Ontario
Mandatory
In Ontario, the government regulates that individuals must carry the following coverages:- Liability – Liability Coverage protects you from bodily damage you do to others or damage to property in an accident. In Ontario $200,000 is the minimum limit, however at Oegema Nicholson we recommend everyone have $2,000,000.
- Direct Compensation – In Ontario we have what is called no-fault insurance, which means regardless of who is at fault, each insurance company pays for the damage to each car. Part of your premium is for this protection.
- Accident Benefits – The government includes basic medical benefits for all drivers to protect them in the event of injury. However, there are options to purchase additional coverage. We recommend you consider additional coverage, based on your health plan at work and your family’s needs.
- Uninsured Motorists – Many drivers in Ontario do not carry insurance. You need protection from these people who operate outside the law. Part of your premium is for this protection.
Optional Coverages
- Collision Coverage – If you are in an accident where you are deemed to be at fault, you need collision coverage to protect the physical damage to your vehicle. This also protects you in hit & run and parking lot accidents.
- Comprehensive Coverage – This coverage protects you from fire, theft, vandalism, falling objects, and collision with an animal. It also covers glass repairs.
Additional Coverage Options
- Loss of Use (Rental Car Coverage or OPCF 20). – This coverage allows you to rent a car while your vehicle is being repaired.
- Limited Waiver of Depreciation (OPCF 43).
- Liability for Damage to Non-Owned Automobile(s) and Providing Other Coverages When Insured Persons Drive Other Automobiles (OPCF 27).
- Accident Waiver/Accident Protection Endorsement.
Additional Auto Insurance Coverage
Accident Benefits Coverage
If you, your passengers, or a pedestrian is injured or killed during a car accident, any kind of rehabilitation treatment, income loss, funeral costs, and other services needed during the recovery period will be compensated to the affected parties.Direct Compensation Property Damage Insurance
Direct compensation determines how claims are paid out. In Ontario, if you’re involved in a car accident that wasn’t your fault, you will be compensated directly by your car insurance in Ottawa. This covers any damages to your car and you don’t have to wait to hear from the other driver’s car insurance company to process your claim.Importance of Third-Party Liability Coverage
Third-party liability coverage is the most common type of car insurance in Ottawa , as it is important and necessary for all drivers to have it. In the event of a car accident, you will be financially protected if you are deemed responsible for causing the car accident, resulting in injury, property damage, car repairs, or death.How to Lower Your Car Insurance Cost in Ottawa
Have a Conviction-Free Record
Typically, car insurance rates are based on your driving record. If you had a few speeding tickets in the past, it could affect your car insurance rates. However, if you’ve been charged with driving offences like racing, DUIs, distracted driving, or failure to report or remain at an accident, you could find yourself paying a higher premium or not getting car insurance at all. That’s why it’s important to be free of convictions on your driving record. The fewer driving infractions you have on your driving history, the better quotes you can get.Bundle Your Insurance
You may want to consider bundling your car insurance in Ottawa with your home insurance to save money in the long run. Bundling multiple insurance policies with us will also simplify your insurance rates and payments.Winter Tires
In Ontario, we understand that the winter can cause havoc on the roads, and this could increase your chances of getting involved in a car accident. The snow tire insurance discount encourages drivers to install winter tires on their vehicles to ensure their safety and that of other drivers during winter weather. It is worth the investment, as drivers who install winter tires can save up to 5% on their car insurance in Ottawa .Why Choose Us for Your Car Insurance in Ottawa?
With millions of cars on the road every day, it’s important that you have car insurance in Ottawa . Having the proper car insurance is a requirement as, by law, Ontario car owners must buy car insurance to protect themselves and their passengers while driving their vehicle. Here’s how we help you find the right car insurance for your needs:Years of Expertise
Oegema Nicholson & Associates is not like any other direct insurance company. With our years of experience, we believe every driver has different driving habits and lifestyles. Your car insurance policy in Ottawa should provide full coverage for all drivers you insure. That’s why our helpful team of car insurance brokers will work side-by-side with you to evaluate your driving habits, auto vehicle usage, and past driving history. You can count on us to offer several options for affordable insurance coverage to you and your family members.Customer Satisfaction
As Ottawa’s leading car insurance company, our client-focused approach ensures your car insurance policy in Ottawa is designed to protect you and the other passengers from financial struggles in the event of an accident or related injury.Looking for home and property insurance? Having a home and property insurance is essential for homeowners in Ottawa. At Oegema, Nicholson & Associates, we aim to find the ideal insurance plan to protect your property. Whether you have purchased your first home or are relocating to a new residence, our insurance experts are here to assist you in discovering the best. Our home/property insurance plans provide different benefits by protecting your property and belongings against risks like fire, theft, and natural disasters. Not only does it cover the structure of your home, but it also provides potential liability for property damage and more.
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