Car Insurance in Orillia
Auto/Car Insurance in Orillia – Get Free Online Quotes with McDougall!
The city of Orillia in Ontario, Canada is geographically located within Simcoe County but technically considered a single-tier municipality. With a population of 33,000 and lots to see, you can expect that there’s a lot of driving to be done in this bustling tourist destination. Auto insurance in Orillia is mandatory and is a requirement before you can get behind the wheel of any vehicle. To begin the process of obtaining coverage, you must first have an active driver’s licence registered in Ontario, then you can apply for free online quotes with McDougall Insurance. With over 75 years of operating successfully in the insurance industry, we provide exceptional service by going above and beyond for our clients each day.
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Orillia Insurance Products
Mandatory Car Insurance in Orillia, ON
The Ontario government requires individuals in Orillia to carry a minimum amount of coverage before their vehicles can be deemed road legal. You could face serious consequences if you are caught without insurance. You must have the following insurance protection:
- Liability for bodily injury
- Liability for property damage
- Direct compensation
- Uninsured motorists
- Accident benefits
Orillia car liability insurance is designed to cover you for damages to other drivers or third-party property in a car accident. In Ontario, it’s common to have at least $1,000,000 in liability coverage, but McDougall recommends upping that amount to $2,000,000 to offset the expensive nature of lawsuits nowadays. Lawsuit costs are on the rise, and doubling your coverage comes at very little additional cost to you.
Liability Insurance
Liability insurance is part of the standard Orillia auto insurance policy and is designed specifically to protect you if you are at-fault in an accident and you cause injuries or property damage to a third party. Liability insurance essentially protects you if you are sued or threatened to be sued, and it can help you cover the constantly increasing cost of lawsuits.
Accident Benefits Insurance
While OHIP offers basic medical benefits for every resident of Ontario, that coverage can be limited when it comes to things like physical therapy, rehabilitative expenses, loss of income, and so on. Accident benefits is a mandatory coverage offered as part of a standard auto insurance package and it protects anyone injured in an accident. It is often recommended that you consider additional coverage based on the kind of health plan that you have with your work as well as your family’s individual needs.
Oftentimes, the standard limit for accident benefits insurance is not enough, especially considering how expensive certain rehab, medical, and attendant care costs can be. Discuss with a McDougall expert how best to go about choosing your accident benefits limits.
Uninsured Automobile Insurance
While auto insurance is required in Orillia and all of Ontario, it is estimated that 10-15% of drivers do not drive with valid insurance. That may not seem like a large number, but there’s still a very real threat of getting into an accident with someone who isn’t insured or doesn’t have enough insurance. Your uninsured automobile insurance would kick in if the other driver’s insurance wasn’t enough to cover you in an accident where they were at fault.
Direct Compensation Property Damage
If you are involved in an accident and deemed not at fault, this part of your coverage kicks in to cover the cost of repairs to your vehicle. Rather than pursuing the other driver for details about their insurance company, you would go through your own provider in this instance to receive compensation.
Optional Car Insurance in Orillia for Enhanced Coverage
Not all insurance in Orillia is mandatory. In fact, besides the mandatory options, things like collision and comprehensive coverage are optional purchases.
In some cases, financers or lending companies will make it a condition that you acquire additional coverage. But if you’ve purchased your vehicle, enhancing your coverage is your choice. Work with a car insurance broker in Orillia from McDougall to help you make the best decision about your insurance coverage and receive expert insights into the options that are best for you.
Collision Car Insurance in Orillia
As the name suggests, this coverage protects you if you are in an accident where you are at fault and need coverage to repair your own vehicle. This coverage also includes hit-and-run events and situations where you are involved in a collision with a stationary object rather than another vehicle. This coverage is optional and subject to a deductible, meaning you’ll need to pay a certain portion before your insurance provider steps in to cover the remaining amount.
Comprehensive Car Insurance in Orillia
This is one of the most all-encompassing forms of optional insurance out there, and it covers your vehicle if it is damaged by theft, vandalism, fire, wildlife, hailstorms, wind, falling objects, tornadoes – basically anything not collision-related. It is also subject to a deductible, and the standard deductible for comprehensive car insurance in Orillia is typically $250-$500.
To speak with a licensed professional about auto insurance coverages, don’t hesitate to call us at 1-800-361-0941
Orillia Car Insurance FAQ’s
You can, and anyone with a valid licence in Ontario can drive your car. But remember, your insurance policy will follow your vehicle, not you. So, if your neighbour or friend gets into an accident with your vehicle, your policy will be the one that is impacted.
It could. Some insurance companies reward drivers who install winter tires with discounts because it’s much safer to use snow tires during the winter. Car insurance Discounts may only apply if you install your winter tires before a specific deadline and inform your broker, so it’s important to be aware of terms and conditions.
Your rates are gauged by who drives your car. 80% of your premiums will come down to the primary driver, probably you, and 20% is based on the highest risk driver – probably a newly licenced individual. So, yes, your insurance rates may increase if you add a G2 driver to your licence.
No, your car’s colour has nothing to do with the price of your car insurance. In Orillia, rates are gauged based on your car’s make, model, and condition, not its colour. “Red cars cost more to insure” is a myth. What you may not know is that marital status may have an impact on your insurance rates; married people sometimes pay less for their insurance due to the decreased odds of them being involved in an accident.
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