Car Insurance, Windsor, ON

Did you know that the Ontario Government mandates that every driver have a valid driver’s license and insurance coverage?

Whether you are purchasing your first car, adding your teenage driver to your policy, or own a commercial fleet, the proper car insurance is critical to the safety and security of every driver on the road. If you don’t have complete coverage, you could put yourself at risk for heavy penalties and/or the cost of damages in the event of an accident.

At St. Clair Insurance Brokers, we believe car insurance should be simple, and we will be happy to work with you to build the policy you need. The car insurance policy you choose may depend on several factors, such as how much driving you do every day, whether your vehicles are used for business purposes, and if you need to add more than one person or vehicles to your insurance policy. Fortunately, our brokers are knowledgeable about the many options available to you and will help you build a car insurance policy that is both complete and affordable.

Factors That Affect Your Car Insurance Rates

Not everyone pays the same amount for car insurance, and getting a good rate isn’t just about whether you’re a good driver or how many accidents are on your record. In fact, there are many factors that can affect your car insurance premiums, including the following:

  • The type of car you drive—Different types of cars cost different amounts to insure. Luckily, if your vehicle has built-in security features like anti-theft devices or anti-lock brakes, you could be eligible for certain discounts on your policy.
  • Your driving record—It almost goes without saying that if you’ve been in several accidents, you will probably pay more for car insurance than someone who has a clean record. You may also pay more for car insurance if you are a new driver who has never had car insurance before.
  • Where you live—Where you live, as well as where you park your car overnight, can affect your car insurance premiums. Typically, rural areas have lower rates of theft, accidents, and vandalism, so you could pay less than if you lived in an urban neighbourhood.
  • How much you drive—If you have a long commute every day, you will pay more for car insurance than someone who only drives their car on weekends or to get to and from the store.

We can help you shop around for the best rate on car insurance here at St. Clair Insurance Brokers Inc. Contact us today to get started! 

In addition to car insurance for your everyday vehicles, you will also find our team at St. Clair Insurance Brokers equipped to discuss additional protections for your watercraft and recreational vehicles. We understand that sometimes these policies are best utilized as bundles, and we can explain the implications if you should choose to use your insurance this way.

Contact us today for more information about your car insurance options and to build the policy that works for you.


Car Insurance in Chatham, ON

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St. Clair Insurance Brokers Inc.