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Arnprior Car Insurance

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Free Arnprior Auto Insurance Quotes

A car is an investment, and it’s important to keep your investment protected. Having the right car insurance is the only smart way to go about it.  

Whether you just bought a brand-new car or are considering getting a new one, shopping for car insurance should be your number one priority. 

We understand how the world of insurance can seem intimidating and difficult to figure out, which is why our expert car insurance brokers are dedicated to making sure your mind is at peace and all your questions are answered.  

How to Get a Arnprior Car Insurance

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166 Daniel Street N. Arnprior, ON K7S 2L3

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Toll-Free: (800) 668-7337
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Arnprior Insurance Products

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How Car Insurance in Arnprior Works 

Even though all drivers in Canada must carry car insurance, there are some provincial differences regarding coverage requirements. 

Ontario has a no-fault system of insurance. No-fault insurance means that each driver involved in a car accident can make claims through their own insurance provider, regardless of who was at fault for the accident. 

Auto insurance in Arnprior, Ontario is offered by private insurers. It is regulated and supervised by the Financial Services Regulatory Authority of Ontario. FSRAO ensures that rate increases are fair. 

Once you have chosen the correct type of auto insurance coverage and agreed on the deductible amounts with your insurer, you will be required to pay an insurance premium. This will provide financial protection against bodily injuries or damage caused by traffic collisions. Your insurance will also pay for your legal fees if you injure anyone else or damage their property in an accident.  

You can add more protection to your policy by exploring additional and specific coverage options. 

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Mandatory Car Insurance Policies in Arnprior

Liability Coverage

You might already be familiar with third-party liability in the context of business insurance. For auto insurance, third-liability coverage protects you in case you are claimed to be at fault for causing injury to a third party or damage to their property as a result of an auto accident.  

Liability insurance covers the victim’s medical costs in case of an injury or replacement and repair costs of property. Third-party liability insurance also covers the cost of any legal claims made against you and any subsequent rewards or settlements.   

Third-party liability coverage is required on all auto policies in Canada. 

Accident Benefits

Your medical costs are covered if you are injured in an accident, regardless of who is at fault. Accident benefits coverage also covers pedestrians and cyclists. It covers medical expenses not covered by provincial insurance, as well as any additional recovery costs, such as rehabilitation, income replacement, and attendant care. It also covers funeral costs in worst-case scenarios. 

Uninsured Motorist Coverage

Uninsured motorist coverage provides protection in case you are involved in an accident with an uninsured driver.  
Scenarios in which this coverage can come in handy include hit-and-run accidents where the driver is unidentified, in which case your medical costs will be covered. If the uninsured driver can be identified, uninsured motorist coverage may also cover vehicle damages.  

Direct Compensation for Property Damage

Direct Compensation Property Damage (DCPD), which covers the cost of your car and any damage it sustains, comes into effect if you are involved in an accident in which you are not at fault.  

Let’s suppose you are in a collision with another driver. You file a claim with your insurance if your car is damaged. Your insurer is then responsible for paying for the damages.  

In this case, there is no lawsuit between the drivers. DCPD will only pay for 50% of the damage to your car and any items inside it if the other driver is less than 50% at fault. 

Optional Car Insurance Policies in Arnprior

Comprehensive Coverage

You can protect yourself against potential losses arising from parking your car on a street or driveway. This could include theft, vandalism, attempted burglary damage, or environmental damage caused by hail, flooding, fallen trees, and other extreme weather events. 

Collision Coverage

This insurance covers you for damages that you sustain in collisions in Ontario or anywhere across North America, regardless of whether you are partially or fully at fault.  

This extra policy covers your vehicle if it is involved in a collision with another car or if it hits a stationary object such as a guardrail or tree. 

Specified Perils Coverage

This coverage protects you from financial losses arising from specific risks that you name in your policy. This can include theft, damage from hail, lightning, wind, flooding, or earthquakes, or damage from explosions, falling objects, fires, riots, or relocation. 

All Perils Coverage

All perils coverage is a combination of both collision coverage and comprehensive coverage, which makes it the strongest coverage option. 

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Arnprior Car Insurance Endorsements

What exactly are insurance endorsements? Well, an endorsement is an optional insurance feature that you can tack onto your existing Arnprior car insurance policy. These endorsements can either provide additional coverage or modify the coverage already outlined in your current insurance policy. The great thing about including endorsements in your Arnprior car insurance is that they help ensure your fundamental insurance requirements are met. If you’re uncertain about your needs, McDougall’s insurance brokers are ready to assist you in determining the right choices.

Roadside Assistance

This additional coverage gives you access to emergency assistance when your car breaks down on the road and needs an oil change, tire change, a tow truck, or other emergency car maintenance services. 

OPCF 20 Endorsement

This endorsement gives you an alternate rental car while yours is being repaired or replaced after a covered claim. 

OPCF 27 Endorsement

This endorsement transfers your existing insurance to a rental car or a car that you’re borrowing. 

OPCF 43 Endorsement

When you’re settling a claim, this endorsement can remove depreciation in calculating the value of your car. 

At McDougall Insurance, our auto insurance experts can help you figure out exactly which coverage options you should get, and you can also get a free online Arnprior car insurance quote within minutes! 

Factors That Determine the Cost of Arnprior Car Insurance

  1. Your premiums will be affected by the make and model of your vehicle. How much it costs to repair your vehicle, the safety rating of your vehicle, its driving features, and the statistical likelihood that it may get stolen are all factors that contribute to the cost of your premiums. A vehicle that is inexpensive to insure can help you save a lot. 
  2. Your insurance claims record can also affect your premiums. Claim history plays a significant role in determining how much you pay for insurance. This is because a large number of previous claims indicates that you are more likely to make another claim in the future.  
  3. The amount you pay for car insurance will also depend on your driving record. Lots of speeding violations, driving convictions, and at-fault accidents on your record mean that you will have to pay more.  
  4. Your premiums may also be affected by your city or even your postcode. If you live in an area with high rates of theft, fraud, or other crimes, your premiums will be higher. This also means that car insurance is more expensive in larger cities. 
  5. Your vehicle usage is also taken into account. How many kilometers you drive each year will affect the cost of your car insurance in Arnprior. You’ll pay more if you use your vehicle a lot.  
  6. Ontario offers mandatory and optional auto insurance policies. You’ll be charged more for coverage if you choose to add additional coverage.   
  7. Ontario car insurance can be costly, but there are many ways to get car discounts. To ensure you aren’t paying too much, ask your insurance provider about the discounts they offer that you may be eligible for. 
  8. Adding drivers to your auto insurance policy can also increase your premiums. 


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How to Save Money on Car Insurance in Arnprior 

  • Compare the rates of different car insurance companies in Arnprior to find the most affordable car insurance that also provides reliable coverage for your vehicle. Although rates may fluctuate up to four times per year, we offer free comparisons of Ontario car insurance. 
  • Another way of saving on car insurance is through increasing your deductible. Insurance is meant to protect you from paying amounts that you cannot afford, but if you can spend $1,000 on a repair job, why not increase your deductible to $1,000 instead? This will make your insurance premiums more affordable. 
  • Keep your driving record clean. The safer you drive, the more money you can save and the less risk you pose to other drivers and yourself.  
  • Consider driving a “low risk” vehicle. With a higher probability that your car may be stolen or involved in an accident comes a higher insurance premium. 
  • Take driving courses if you are a new driver. 
  • Bundling your home and auto insurance policies can also get you a great discount. 

Contact our expert car insurance brokers to find out what Arnprior car insurance discounts you’re eligible for! 

Arnprior Car Insurance FAQ’s

In Canada, car insurance is mandatory for all drivers. It is a legal requirement to have a minimum of $200,000 in third-party liability coverage.  

Car insurance rates in Arnprior are based on the driver’s age and the type of vehicle they drive. For example, younger drivers pay more for car insurance than older drivers do because, statistically speaking, young people are more likely to get into accidents than older people. 

According to the Insurance Bureau of Canada, Ontario drivers paid an average of $1655 annually, or $138 per month, for auto insurance in 2020. Based on FSRA data, the average Ontario car insurance premium was $1,651 per annum or $137.6/month as of March 2021. 

But don’t worry! Depending on your specific case, your monthly premium may not be as expensive. Our Arnprior car insurance brokers can get you the car insurance coverage that best suits your budget and needs! 

In the event of a claim, insurers will usually pay less for vehicles that are cheaper to repair. Our car insurance brokers can provide you with a free quote for different car models that you are thinking of buying so you can be sure you’re getting the best insurance value. 

The Ontario government doesn’t charge harmonized sales tax (HST) on car insurance. 

No-fault insurance is the system for handling claims in Ontario. It simply means that no matter who is found to be at fault in an accident, all parties will work with their respective insurance companies for their claims. You don’t need to deal with another person’s insurance company. This system saves time and money by making it easier to resolve claims. 

Without car insurance, it is impossible to register a vehicle and obtain license plates in Ontario. 

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