AUTO INSURANCE

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Making Informed Decisions with a CIS Professional

There are few things simpler than going online and purchasing auto insurance. However, making an informed decision with a broker can ensure you find the best coverage at the best prices for your auto insurance needs. CIS Insurance brokers are available by phone and email through our office in Ontario. A conversation with our professionally certified brokers can bring you peace of mind and answers to your valuable questions. Our brokers will learn all they can about you to assist you in finding the most effective auto  insurance policy for your unique needs.

Why do I need auto insurance in Ontario?

If you drive in Ontario, you need auto insurance. It is the law that a driver must have an insurance policy for their vehicle if they are on the road. In case of an accident, driving uninsured means you will face tickets and penalties that start at $5,000 and would lead to suspension of your license for at least 30 days. Regardless of who was at fault, auto insurance policies provide protection for those involved in an auto accident. This protection could come in the form of liability coverage, health coverage, or damage and loss coverage. Whatever your vehicle and driving experience, the best auto insurance coverage brings you peace-of-mind while on the road.

Finding a best fit policy

When seeking out an auto insurance policy that best fits you, beyond finding your policy through an auto insurance broker, and exploring the range of coverages and rates, you should also inquire into the accident forgiveness and claims processes that are available with different companies. If you are someone that could be considered a “High Risk driver”, there are still options available to you.  In the end, you need to be sure that you feel comfortable working with the people handling your policy.

What’s in the Standard Auto Insurance Policy?

Third-Party Liability protects you in the event that someone else’s property has been damaged or they have been injured or killed as a result of an auto accident. The coverage will pay for claims, up to the policy specified limit, that result from lawsuits against you. This includes the costs of settling any claims.

The minimum coverage for Third-Party Liability you should be opting for is $1Million

Accident Benefits can cover your needs for additional benefits that you might need after you are injured in an auto accident. It doesn’t matter who caused the accident. Some of the benefits include supplementary medical, rehabilitation and attendant care, caregiver, non-earner, and income replacement benefits.

If another individual was responsible (at fault) for the accident you are making a claim for, then this part of your policy covers the damage to your vehicle or the contents within. This also covers the loss of use of your vehicle or the contents within. This coverage is collected directly from your insurer even though someone else caused the accident. There are certain conditions that must be met for this coverage to apply.

  • The accident occurred in Ontario.
  • At least one vehicle other than your own was part of the accident.
  • At least one vehicle other than your own is insured by an Ontario-licensed insurance company.

Accident Benefits can cover your needs for additional benefits that you might need after you are injured in an auto accident. It doesn’t matter who caused the accident. Some of the benefits include supplementary medical, rehabilitation and attendant care, caregiver, non-earner, and income replacement benefits.

If you are injured or killed by an uninsured driver or in a hit-and-run accident, this part of the policy ensures that you and your family are protected by your policy. This protection extends to damage caused by the offending driver. Your auto insurance policy will include a certificate. The Certificate of Automobile Insurance will:

  • List the vehicles, drivers, and usage insured by the policy
  • List the coverages in your policy (including optional coverages and endorsements)
  • Provide a descriptions of how you were rated for the premiums charged
  • Indicate the period you are covered for

Optional Auto Insurance Coverage

Collision Coverage

This part of your auto insurance will cover the cost to repair or replace your vehicle if you hit an object while driving, or another vehicle. This coverage is mainly for at fault accidents.

Accident Forgiveness

If you have a clean driving record for at least 6 years, then you won’t face an increase in your auto insurance rate after your first at-fault accident.

Coverage for Rental Vehicles

Keep you moving. If you need a vehicle while making a comprehensive claim (other than theft), or after an accident where the vehicle is immobile, then your policy will cover the cost. You’ll get a rental car comparable to your own vehicle.*note that this must be confirmed by the insurance company.

Coverage for non-owned vehicles. Your policy will cover the loss or damage to any rented or borrowed vehicle while it is in your possession.

Comprehensive Coverage

This protects your vehicle even when you’re not driving. Your vehicle will be covered from damage caused by vandalism, fire, theft, falling objects, lightning, earthquakes, and windstorms.

Ticket Forgiveness

In Ontario, when your policy is up for renewal, a minor ticket will not affect your insurance rate.

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What makes sense for you?

Making an effective choice for your auto insurance policy requires a bit of research and a lot of patience. Driving exposes you to many perils, and no accident is easy on the mind or body. Your auto insurance policy should reflect your needs and address your concerns related to how your life might be affected after an automotive accident. When you work with your broker at CIS Insurance, you can find ways to modify a standard auto policy with the optional coverages and endorsements that provide you and your family with peace of mind. Give us a call today.

Reducing your Auto Insurance Policy Costs

 1. Increase your deductible

      • If you agree to take on more of the financial burden when an accident occurs, then your monthly premium can be reduced

2. New drivers take an accredited driver course

      • This could lead to a discount in your initial insurance premium.

3. Enlist yourself in a usage-based driving program (UBI Insurance)

      • You would plug a device into your car or run an app of your phone which monitors your driving habits. The device tracks your rate of acceleration, how you brake, etc. and gathers data which your insurance company can only use to decrease your insurance rates. Sometimes you can save from 10% up to 30% of your premium.

4. Discounts

      • Multi-line auto insurance discounts are easily accessible. When you have multiple policies with one provider, that can often net you a discount on your insurance coverage.

      • For drivers who change their tires seasonally, they can save up to 5% off their yearly insurance premiums.