Car insurance in Windsor

Yes, adding winter tires to a car in Windsor can result in a car insurance discount. Insurance providers in Ontario are required to offer winter tire auto insurance discounts to any customer who meets the conditions. These conditions vary but typically, customers are simply required to have their winter tires installed by a certain date. All four winter tires may also need to be the same make and model. Make sure to notify your insurer about your winter tires if you wish to qualify for this type of discount.

Renewing car insurance in Windsor is easier than you might think. You can sign up for automatic renewals, which means that your coverage will automatically renew at the end of the term. Typically, policies will renew for another year. You can also call your insurance agent or broker in advance of your policy expiry date and let me know that you wish to renew your policy. Please note that it is important to contact your provider in advance of the end of the term. Otherwise, you may be dealing with expired car insurance renewal, which is still possible but is a bit more complicated and can lead to an increase in your premium.

In most cases, yes, the cost of car insurance will go up if you get into an at-fault accident. One exception to this is if you have accident forgiveness coverage in your policy, and this was your first at-fault accident. In this scenario, your premium would be unaffected due to the incident. However, if you got into a second or subsequent at-fault accident, your insurance premium would increase.

If a personal belonging, such as a wallet, was stolen from your vehicle, your Windsor car insurance policy is unlikely to cover you. While some types of auto insurance coverage - namely comprehensive coverage - can protect you in the event that your vehicle is stolen, no type of car insurance coverage is designed to protect against personal belongings being stolen. However, if you have comprehensive coverage as part of your policy, your insurance company may pay to repair your vehicle if it is damaged by a burglar in the process of stealing your belongings. Further, we recommend consulting your home insurance policy, as the contents coverage portion of that policy may cover personal items stolen from your car when your car is parked on your property.

Yes, all insurance agents will ask for a copy of your driver’s licence when purchasing insurance. Your driver’s licence needs to be valid in order for you to purchase car insurance. If you want to list other drivers on your policy, be prepared to provide copies of their driver’s licences as well.

Yes, so long as you only travelling outside of Ontario temporarily. For example, if you are visiting another Canadian province on a family vacation, your Ontario car insurance should be sufficient. However, if you move provinces, you will need to notify your insurance company and update your coverage. At a minimum, you will need to inform them of your change in address, which is likely to impact your rates.

Depending on the minimum coverage requirements in the province you are moving to and the coverage currently included in your policy, you may also need to adjust your coverage. In some cases, if the insurance company you are currently with does not offer insurance in your new province of residence, you will need to cancel your policy altogether and purchase a new one.

Driving without insurance in Windsor is illegal, which means the consequences of getting caught are serious. While the specific penalty you receive is ultimately at the discretion of the police officer who pulls you over, the maximum fines for uninsured driving in Ontario go up to $25,000 for a first offence and $50,000 for a second offence. On top of any fines incurred, you are required to pay a 25% surcharge. You can also have your driver’s licence temporarily suspended for anywhere from 30 to 365 days and have your car impounded.

You can get a free insurance quote in Windsor by contacting a licensed insurance broker or agent. Many insurance companies and insurance brokers offer complimentary car, home, and business insurance quotes to Windsor customers. All you have to do is get in touch and ask, and you can receive a free quote in as little as five minutes.