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Grimsby Car Insurance
Fast facts
Everything you need to know about auto insurance in Grimsby
28,883
people live in Grimsby
43 yrs old
is the median age of drivers
396.3 km
is the avg daily commute
$1,368
is the avg annual premium
$114
is the avg monthly premium

Coverages
In Ontario, auto insurance is mandatory and all drivers are required to carry a minimum level of coverage. The mandatory coverage includes:
Third-Party Liability Coverage
This coverage is mandatory and provides protection if you injure someone or damage their property in a car accident. The minimum required limit is $200,000, but most drivers opt for higher limits.
Accident Benefits Coverage
Also mandatory, this coverage provides benefits for medical expenses, rehabilitation, and income replacement in case you or your passengers are injured in an accident, regardless of fault.
Uninsured Automobile Coverage
This coverage protects you if you're involved in an accident with an uninsured or unidentified (hit-and-run) driver. It ensures you can still receive compensation for injuries and damages.
Direct Compensation
This coverage is mandatory for damage to your vehicle and covers the cost of repairs or replacement if your car is damaged in an accident for which you are not at fault.
Optional Coverages
In addition to the mandatory coverages, drivers in Ontario have the option to purchase various additional coverages to enhance their auto insurance policy. These optional coverages can provide added protection and peace of mind.
Collision Coverage
This coverage pays for the repair or replacement of your vehicle if it's damaged in a collision, regardless of fault.
Comprehensive Coverage
Comprehensive coverage protects your vehicle against non-collision-related damage, such as theft, vandalism, fire, or falling objects.
Accident Forgiveness
With accident forgiveness, your insurance premium won't increase after your first at-fault accident. It helps you maintain your good driver discount.
Collision Coverage
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”
Depreciation Coverage
This coverage ensures that in case of a total loss of a new vehicle (typically within a specified time frame, e.g., two years), you will receive the full purchase price without factoring in depreciation.
Emergency Roadside
This service provides assistance in case of a breakdown, flat tire, dead battery, or other roadside emergencies. It can include services like towing, jump-starts, and fuel delivery.
Rental Car Coverage
Also known as Loss of Use Coverage, it helps cover the cost of renting a replacement vehicle if your car is in the shop for repairs after an accident.
Emergency Roadside
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
insurance premiums
City by City Average Auto Insurance Premiums

how to save money
Top 5 Ways to Save Money on Your Insurance Premium

Shop Around for Quotes
Don't settle for the first insurance quote you receive. Get quotes from multiple insurance providers and compare them to find the best rate. Prices can vary significantly between companies.

Increase Your Deductible
By choosing a higher deductible (the amount you pay out of pocket before your insurance coverage kicks in), you can lower your premium. Just be sure you can comfortably cover the deductible if you need to make a claim.

Maintain a Clean Driving Record:
Safe driving is one of the most effective ways to keep your insurance costs down. Avoid accidents and traffic violations, as a good driving record can qualify you for discounts.

Bundle Your Policies
Consider bundling your auto insurance with other insurance policies like home or renters insurance under the same provider. Many insurers offer discounts for bundling multiple policies.

Take Advantage of Discounts
Ask your broker about available discounts with your insurance provider. These can include safe driver discounts, good student discounts (for young drivers with good grades), discounts for safety features in your vehicle, and loyalty discounts for long-term customers.
Our Reviews
What you say matters to us
⭐️⭐️⭐️⭐️⭐️
Excellent experience working with Alex Shortridge for my condo and mortgage insurance. I was under a very tight deadline before closing on a new condo, and Alex truly went above and beyond.
She took the time to understand my family’s needs and secured home insurance coverage that was more comprehensive and better tailored than what several of the larger insurance companies were offering. She also worked directly with our mortgage lawyer to ensure all documentation was in place before the weekend ahead of our Monday closing.
Not only did she find additional discounts, but the policy actually came in less expensive than the big-name insurers while offering stronger, more customized protection.
I highly recommend Alex Shortridge if you’re looking for a knowledgeable, responsive, and efficient insurance broker for condo or home insurance, especially when you’re working under tight timelines.
I had finally found the right vehicle but not the right rate, Amy helped me secure that. She was professional, responsive, and helped me secure a really good rate. She made the whole process simple and assured that she would do her best to help out. Excellent service. I’d definitely recommend Duliban and Amy to anyone looking for a reliable insurance broker to get the best rate and insurance for your needs. Thanks again!
Best
Robert
Highly recommend June and Duliban Insurance.
John & Carol C.
Moreover, June should be an insurance-for-dummies instructor. I learned more in three days from her clear, cogent explanations than I had ever understood in my 36 years of being insured.
She shared her expert knowledge of a baffling industry to help me navigate within it not just now, but in the future as well. For example, she is the first to ever explain that if I have an at-fault collision with an insurer who offered first-incident forgiveness, but then I leave that insurer for another (within x number of years), the forgiveness doesn't carry over to the new insurer - and boy howdy, the new insurer does NOT care how minor the collision or how many decades of perfect record preceded that one at-fault. This and other invaluable information she taught me will help steer my insurance decisions forever more. Thank you June!
KEN
Amy Brown great service
highly recommended!
Happy client!
Great experience. A++
They gave me best quote and the customer service is ultra high level.
The most impressive is Amy Brown not only she is truly professional but also a very good person.
Thx you so much for the effort team.
Call her and she will get you the best deal.
Jim Pietz
With this in mind, I apologize Alex Shortridge for the wait
she was genuinely one of the most patient people I have ever had the pleasure of working with, I had many confusing questions that she answered and reworded her answers to help me better
And throughout the process of me trying to find a car, she made the process of getting quotes super simple and easy
All around the experience I had with this human being was excellent
Frankly, that word doesn’t carry enough power to explain how happy I am with her work
As you can tell, I am happy with the service
Thank you for making this process less confusing for me Alex!!
Thanks Jhonny!
I’ve dealt with many brokers in the past, but Alex stands out by far. She’s knowledgeable, incredibly friendly, and made the entire process feel easy and stress-free. If you're looking for someone who’s honest, efficient, and truly cares—Alex is the one to call. Highly recommend!
Thank you.
They have been growing a lot and it is well deserved, will continue to work with them into the foreseeable future
Thanks to your efforts, I now have coverage that not only fits my needs but is also affordable. I genuinely appreciate your dedication and support—you're truly a pleasure to work with!
Really great experience all the way from contact to signing. Would highly recommend.
-Mackenzie

Get a quote today
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