The Secrets of Ottawa Car Insurance

You are mandated to carry auto insurance as a driver operating a motorized vehicle on public roadways in Ottawa. 

Car insurance is mandatory in all cases, whether you’re the owner of your vehicle or if you’re leasing/financing.  

Since Ottawa car insurance can get tricky for those who aren’t very familiar with it, we’re going to let you in on some of the secrets of car insurance in Ottawa that your insurer may not tell you. 

Make and Model Matter 

Your premium will be affected by the type of vehicle that you drive. Car insurers use a vehicle rating system to calculate your insurance premium. Some vehicles naturally cost more to insure, like vintage cars or some SUVs. Keep this in mind when you are deciding which vehicle to purchase or when evaluating whether an auto insurance quote is reasonable or not. 

Car Enhancements Mean Higher Premiums 

Modifying your car may increase its capabilities or aesthetic value, but it can also increase the cost of your Ottawa car insurance. The accessories covered by your comprehensive policy are only those provided by the manufacturer of the vehicle. The policy does not cover the items you purchase to modify your car. 

Things Inside Your Car Aren’t Covered by Ottawa Car Insurance 

Your Ottawa car insurance doesn’t cover stolen or damaged personal property that was inside your car. 

Your home insurance policy may allow you to file a claim, which is one of your options. Many home insurance policies cover small, more affordable items like compact discs. If you often place expensive items like computer equipment in your car, you should inquire about adding coverage for personal items to your Ottawa car insurance policy. It can also be helpful to take pictures or videos of expensive personal items to have a clear reference in the event of theft or damage. 

There Are Discounts You Don’t Know About 

You may be eligible for a No Claims Bonus if you don’t file a motor insurance claim within your policy period (one year). This bonus can amount to up to 20% of your insurance policy amount, and it will be available at policy renewal. Filing several minor claims can affect your claims history and therefore render you ineligible for NCB or increase your premiums. 

This is good news for any driver that prioritizes safety and follows traffic rules diligently. Even as a careful driver, minor accidents can sometimes happen – and if you consider the cost of these minor repairs compared to the amount you would get from your NCB, it becomes a no-brainer to avoid filing claims for such minor damages.  

McDougall Auto Insurance Experts Are Here for You  

Want to learn more about auto insurance in Ottawa and how you can make the most of your policy? Speak with one of our licensed professionals about auto insurance coverage in Ottawa by calling us at 1-800-361-0941.