Car Insurance in Ontario
Shop Ontario’s most competitive auto insurance.
Your road to customized coverage.
Welcome to Duliban Insurance, where we understand that a one-size-fits-all solution won’t cut it when it comes to auto insurance. Our commitment to offering personalized auto insurance reflects our belief that every driver is unique, deserving of a policy designed to meet their individual needs and preferences.
Bundles & Discounts
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Bundling with us is an easy and affordable way to protect the two most significant investments you’ll ever make: your home and your vehicle. Save hundreds of dollars per year with our multi-policy discounts.
Coverages
Get to know what’s covered with your auto insurance in Ontario.
Third Party Liability
Car insurance covers the legal expenses if you’re sued after an at-fault accident
Accident Benefits
Auto insurance funds for accident-related injuries
Uninsured Automobile
Car insurance in Ontario covers all costs if a driver is uninsured, or flees the scene of an accident (ie. a hit-and-run)
Direct Compensation
Vehicle insurance covers damage to vehicle or other property not at-fault in an accident
Optional Coverages
Collision Coverage
Auto insurance in Ontario covers damage to your vehicle if you’re involved in an accident with an object or are at fault
Comprehensive Coverage
Covers damage to your vehicle from incidents such as hail, wind, water theft or vandalism
Accident Forgiveness
Provides one ‘free’ at-fault accident with no rate increase (granted you remain at the same company)
Depreciation Coverage
Protects your vehicle from depreciation when deemed a “total loss”
Emergency Roadside
Vehicle insurance in Ontario covers the expenses related to towing a vehicle after an accident
Rental Car Coverage
Extends your insurance coverage to a rental vehicle, up to a maximum limit
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Types of auto insurance
Car Insurance
Car insurance is a legal requirement that protects you and your vehicle on Ontario’s roads. Ensure you have the right coverage to stay safe and compliant.
Classic Car Insurance
Preserve your investment with specialized classic car insurance in Ontario. This coverage is designed to protect your prized possession, taking into account its unique value and significance.
Electric Vehicle Insurance
As electric vehicles gain popularity in Ontario, securing the right insurance coverage that protects your ride and enhances its features is critical. Get a custom policy that’s tailored to your specific needs.
High Risk Insurance
If you face challenges securing standard insurance due to previous incidents or driving history, high risk insurance in Ontario provides a lifeline for coverage, keeping you on the road with peace of mind.
Motorcycle Insurance
Some landscapes are just best explored on two wheels. Motorcycle insurance safeguards your ride, ensuring you can hit the open road with confidence.
Ride Sharing & Uber Insurance
Joining the gig economy as a ride-sharing driver? Ride sharing insurance in Ontario ensures you’re covered while ferrying passengers, providing you with the right protection and compliance.
Car Insurance in Ontario
Auto insurance serves as a critical safety net for drivers, providing financial protection and peace of mind in the event of unforeseen circumstances. Several factors contribute to the necessity of auto insurance in today’s world.
Firstly, auto insurance is mandated by law in most places. Governments require drivers to have insurance coverage to ensure that they can cover the costs of any damages or injuries they may cause while operating a vehicle. This legal requirement helps promote accountability and ensures that individuals take responsibility for their actions on the road.
Secondly, car insurance protects drivers financially. Accidents can happen at any time, and the costs associated with repairs, medical bills, and legal fees can be substantial. Without insurance, individuals may find themselves facing significant financial burdens that could potentially bankrupt them. Auto insurance provides a safety net by covering these expenses, reducing the financial impact on the driver.
Furthermore, vehicle insurance promotes safety on the roads. Knowing that they are financially protected in the event of an accident, drivers may feel more inclined to drive responsibly and adhere to traffic laws. Additionally, insurance companies often offer incentives for safe driving behaviors, such as discounts for maintaining a clean driving record or installing safety features in vehicles. These incentives help incentivize safe driving practices and contribute to overall road safety.
Moreover, auto insurance provides protection for third parties. In the event of an accident, auto insurance not only covers the damages to the insured driver’s vehicle but also compensates other parties involved for their losses. This includes damage to other vehicles, or property, or injuries sustained by pedestrians or passengers. By providing this coverage, auto insurance helps ensure that innocent parties are not left to bear the financial brunt of someone else’s negligence.
Auto Insurance Quote in Ontario
Obtaining an auto insurance quote in Ontario is an essential step for drivers looking to protect themselves and their vehicles on the road. Understanding the components of an insurance quote can help drivers make informed decisions when selecting coverage that meets their needs and budget.
In Ontario, auto insurance quotes typically include several key elements. The first is liability coverage, which is mandatory in the province and covers damages and injuries to others in the event of an accident for which the insured driver is at fault. This coverage is expressed in three numbers, representing the minimum liability limits required by law (e.g., $200,000/$500,000/$50,000).
Additionally, car insurance quotes may include optional coverage options that drivers can choose to enhance their protection. These options may include collision coverage, which pays for damages to the insured vehicle in the event of a collision, and comprehensive coverage, which covers damages caused by events such as theft, vandalism, or natural disasters.
Other factors that can impact the cost of a vehicle insurance quote in Ontario include:
- Driver’s age
- Driving record
- Vehicle make and model
- The place where vehicles predominantly drive and park
Car insurance brokers in Ontario use these factors, among others, to assess the level of risk associated with insuring a particular driver and vehicle and determine the premium cost accordingly.
When obtaining an auto insurance online quote in Ontario, it’s essential for drivers to compare quotes from multiple insurance providers to ensure they are getting the best coverage at the most competitive price. Drivers should also consider factors such as the insurer’s reputation for customer service, claims handling process, and available discounts when selecting an insurance provider.
Ontario Auto Insurance Broker - Duliban Insurance Brokers
Navigating the complexities of car insurance can be a daunting task. Whether you’re a first-time car owner in Ontario or looking to switch your auto insurance provider, we are here to simplify the process and ensure you receive the coverage that best suits your needs.
Ontario’s roads are as diverse as its drivers, and having reliable car insurance is essential. Our policies are crafted to meet the specific needs of Ontario drivers, providing comprehensive protection against accidents, theft, and other road mishaps.
Get a personalized auto insurance quote quickly and easily. Whether online or over the phone, our streamlined process ensures you receive a competitive quote that matches your specific driving profile and needs.
Our vehicle insurance services extend beyond just cars. Whether you drive a motorcycle, a commercial truck, or a family SUV, we have tailored insurance solutions that provide the protection you deserve.
Get advice from the manager of Duliban Insurance Brokers by calling +1 855-385-4226.
Motorcycle
Some landscapes are just best explored on two wheels. Motorcycle insurance safeguards your ride, ensuring you can hit the open road with confidence.
Ride Sharing & Uber
Joining the gig economy as a ride-sharing driver? Ride sharing insurance in Ontario ensures you’re covered while ferrying passengers, providing you with the right protection and compliance.
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Frequently asked questions about Auto Insurance
Your insurance policy covers any injury or damage that may occur as a result of an accident, whether to yourself, your vehicle or others.
Should you be in an accident uninsured, the other involved party can sue you for expenses which you will be responsible to pay out-of-pocket. In extreme cases, this can lead to the loss of your life savings and/ or potential jail time for operating a vehicle without insurance.
Although not recommended, you can purchase an auto liability-only policy which covers bodily injury and property damage. This leaves you with the additional costs of repairing or replacing your vehicle in the event of an accident.
This is just a myth! No matter the colour of your car, your premiums will remain the same.
Many insurance companies provide you with payment options, ranging from monthly to yearly.
If you have a DUI or serious at-fault accident on your driving record, an insurance company may refuse to provide you with a policy.
If your credit score is high, your premiums will likely be lower than that of someone with a poor credit rating. Upon renewal, your most recent credit score may be taken into consideration.
There are several ways you can obtain premium discounts, including safety and security vehicle features, a clean driving record and high credit rating. Always ask your agent to review all available discounts to you.
Lucky for you, filing a claim has become quick and easy thanks to modern technology. Some insurance companies now offer an app you can use, however the standard procedure is to call and speak with an agent. This process takes about twenty minutes, and will expedite the claims process.
Auto insurance is required by provincial law, meaning you must have insurance to legally drive. It is also mandatory for all new cars before a dealership will allow you to drive it off the lot. This is to ensure that in the event of an accident, the car will not be a total loss.
Members of your household can be added to your policy, provided that you live at the same address.
The first time you do not make a payment on your policy, your insurance company will mail you a warning letter. If you miss another payment, the company may charge you a late fee, or in extreme cases, cancel your policy.
The deductible is the amount you are responsible for covering before your insurance company will pay the rest. You select the deductible amount at the time of setting up your policy. Traditionally, amounts are $500 and $1,000 – but this is entirely up to you.
You may call at any time to make a change to your policy, however additional premium may be required if adding or increasing coverage. Reducing coverage may result in a refund subject to any minimum premium requirements.
Statistical data has concluded that male drivers are more likely to be in a motor vehicle accident than their female counterparts, and as a result, males pay a higher premium than female drivers.
Get a quote today
Working with a broker guarantees your access to the best available insurance with the added benefit of personalized support. See for yourself and get a quote now.
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