Understanding Auto Insurance in Canada
By understanding the different types of car insurance...
Not only is Ottawa Canada’s capital city, but it’s a fabulous showcase of Canada’s historical heritage and dynamic future. Ottawa hums with activity, with both French and English being spoken in the numerous museums, shops, pubs, restaurants, nightclubs and distinct local neighbourhoods. For a capital city, Ottawa is surprisingly relaxed, and with the historical Rideau Canal, ByWard Market and gorgeous surrounding countryside to explore, there is something for everyone to enjoy in all four distinct Canadian seasons. Source: Ottawa Tourism, Britannica - Ottawa.
Our mission at ICanDrive.ca is to ensure you have everything you need in order to safely and legally drive. The insurance market in Ottawa is operated by many small and large insurance providers - all of whom are focused on bringing high-quality insurance solutions to consumers. When it comes to Ottawa car insurance, as well as other insurance coverage, you have three main options. We suggest starting with our Ottawa insurance quote comparison tool and explore the other options only if needed.
Absolutely free - find a quote on a policy from any place you have online access. It's never been simpler or quicker to get an Ottawa insurance quote.
We can help you connect directly with a particular Ottawa insurance provider. Find a phone number or connect through their website.
Get more expertise and information from an insurance professional by connecting with an Ottawa insurance broker to get your questions answered.
Sometimes consumers require a little more support to help understand the available insurance options for your particular needs or driver profile. In these types of situations, we encourage Ottawa drivers to check out our Ottawa insurance agent/broker directory. This comprehensive directory will allow you to find the best Ottawa insurance organization, insurance professionals and all types of resources to help you find the best policy for your needs.
Keep in mind that sometimes insurance professionals can really help streamline your insurance buying journey, provide insights into ways on how you can save on your insurance premiums and even expedite the process of receiving payment for insurance claims should be you involved in an accident.
All Ottawa insurance brokers are required by law to be well versed in the insurance rules and regulations, so you can rest assured you'll be getting the correct advice for your needs.
Numerous insurance companies and their representatives serve the Ottawa region with a huge number of insurance products, including things like:
In order to help Ottawa insurance consumers as much as possible, we are always looking to expand our partner list to provide Ottawa drivers with as many car insurance options as possible. We encourage Ottawa Insurance brokers and Ottawa driving schools to create free listing in our Canadian Drivers Directory.
The Ottawa Insurance sector is massive because Ottawa is one of the largest population centres in Canada. The icandrive.ca team decided to explore the information compiled by the 2018 Statistics Canada Census Report to make some informed guesses as to what kinds of insurance products might be most in demand.
From the time of the previous 2011 Statistics Canada Census report, the population of Ottawa grew from 883,391 residents to 934,243 residents in 2016 – a growth of 5.8 percent. Female residents outnumbered men, with 480,365 females vs. 453,875 males. With almost a million residents, the need for insurance protections such as extra health care insurance, critical illness insurance, dental insurance and life insurance policies of various kinds will remain in robust demand for the foreseeable future.
The total number of private dwellings was recorded as 395,985 housing units in a land area of 2,790.30 square kilometres, and during this time, the real estate market has done extremely well. The real estate market is a great indicator that property insurance of various kinds that are related to real estates, like home mortgage insurance, house insurance, tenant insurance, condominium insurance and title insurance are likely to be among the most sought after types of insurance protections going forward.
According to the data provided, the average after-tax income among recipients for Ottawa residents in 2015 was 44,428 dollars, with 92,535 residents earning $100,000 or more (60,775 men and 31,760 women). Residents such as business owners, certain legal professionals and accountants and doctors can be the target of legal threats, therefore, coverage such as general liability insurance, building construction insurance, errors and omissions insurance, and other kinds of liability insurance coverage are important aspects of the Ottawa insurance sector.
Ontario’s private auto insurance system ensures that there are strong competition between Ottawa car insurance providers but there is no question that the Ottawa car insurance segment is one of the most important to Ottawa insurance brokers and agents. The main way for the employed labour force aged 15 years and over to commute to work and back was as a driver of a typical passenger type vehicle (275,620 workers - 149,520 men and 126,095 women). The data strongly suggests that commercial vehicle insurance, Ottawa car insurance and to a lesser extent motorbike insurance policies play an essential role in keeping Ottawa’s economy humming along, and competition helps to keep rates low for consumers.
The best quality insurance company is not simply about the lowest priced quote. Your best Ottawa insurance is also about service, dependability & fairness with clients. Take the time to compare and contrast insurance offerings thoroughly. It helps to look at the insurance company's consumer reports and complaints if any before you decide to buy an insurance plan from a particular provider. Many people talk about low rates, but there's more to the "best quote" than simply the lowest rate when it comes to your Canadian car insurance. Taking these factors into consideration and other Ontario car insurance discounts up front can save you lots of stress later.
Our car insurance calculator is a tool created solely for the purpose of helping you get the best Ottawa car insurance quote suited to your needs. The free calculator is easy to use, asks for some basic information and presents insurance solutions tailored to your needs. Even if you don't have the best driver profile and are in the high-risk insurance demographic we can still help you find good Ottawa insurance coverage through our featured insurance quote comparison tool, or through one of the listed insurance companies or through the Insurance section of our Canadian Driver's Directory.
We only ask for the information that is absolutely necessary to present you with the most comprehensive and well priced Ottawa car insurance offers. Once you have a complete list you can then decide which quote, company and level of insurance coverage you are comfortable with.
The only way to know that your saving as much money as possible is by comparing as many Ottawa insurance quotes as possible. You'll be surprised to see how differently priced the same sort of insurance can be from different Ottawa insurance providers.
One can find many insurance firms to choose from. Privately-owned insurance means competing providers, and competition means that insurance providers have to work harder to earn your business.
Ottawa, like every other Ontario town or city requires that drivers carry a minimum level of car insurance. Keeping this minimum compulsory insurance coverage in mind, you may still have lots of additional options. When reviewing an insurance quote, keep your budget in mind, and ensure you have at least the adequate minimum coverage and consider additional coverage options to provide greater peace of mind. As an Ottawa insurance consumer it's also your responsibility to understand the basic Ontario car insurance laws prior to purchasing insurance.
We've heard it many times before, with individuals talking about the "best Ottawa insurance quote" as if it's simply about getting the lowest rate, but we think there's more to it than that. Service to clients, a record of reliability and fairness with policyholders in the event of an insurance claim is more important than just providing the cheapest quote. So take your time to evaluate insurance providers carefully before you buy. An affordable price coupled with great service, an excellent reputation & fairness with clients may, in fact, turn out to be the best cheap Ottawa car insurance quote over the long term. Different auto insurance companies have their own unique philosophy with regard to how they evaluate driving competency, driving history and location risks, which consequently can result in wide differences for the rate you are quoted from each individual insurance company.
It's true that you can enter exactly the same information into one or more insurance quote compare services, and you are almost certain not to find the exact same rate from competing insurance providers. If you've shopped for cheap Ottawa car insurance through a quote comparison service before, you've most likely found that the rates you're shown for your particular personal driving history, location, requirements etc. are generally quite different from company to company. This is because there are numerous insurers catering to the market, each of whom has their own philosophy about the risk to themselves to insure an individual, and each company is competing to encourage Ottawa drivers to sign up to an insurance policy from their particular insurance organization.
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The ICanDrive.ca team are dedicated to ensuring we provide the best information about things that matter most to Ottawa drivers and those learning to drive in Ontario. With everything from detailed information on the Ontario Graduated Driver Licensing program, Ontario driving tests, other Ontario driver licensing information, and tips on finding the best, cheap Ottawa car insurance quotes, we've got it all. We can help you with tips, tools and reminders that drivers can really benefit from. Need a car or a car loan? Check out our car financing section, or search our rapidly growing Driver’s Directory to find a specialist insurance broker or agent. You can even challenge your own driving knowledge with an Ontario road rules & signs test. We invite you to explore all the free services we offer, including our guides on insurance, accidents, winter tires and most other topics that affect drivers in Ottawa.
We can also help you find good coverage for other Ottawa insurance products as well, like Ottawa life insurance, Ottawa motorcycle insurance and Ottawa home insurance. Just select the type of insurance coverage you need in our quoting tool, enter your postal code and click the "Start" button to compare quotes.