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Ottawa Car Insurance

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The Best Auto Insurance in Ottawa with McDougall Insurance

Here at McDougall Insurance, we get you the best car insurance in Ottawa at an affordable rate. In Ontario, auto insurance in mandatory, but that doesn’t mean you’ll have to break the bank just to buy insurance. We find affordable auto insurance in Ottawa that doesn’t skimp on your coverage. To begin, all you will need is an active Ontario driver’s license, a vehicle, and a free quote – which you can get right here, online, with our experts.

Ottawa, as far as a city to drive in, offers a lot of different challenges. Not only is it a big city with lots of different types of transit and roadways, it also borders Quebec, which has different rules and street signs. Many drivers who reside in Ottawa will frequently visit their neighbours across the border. Not to mention the winter’s in Ottawa can bring many different hazardous conditions. Having the appropriate auto insurance coverage is very important to ensure you are protected. That is why you need the help of a McDougall Insurance expert to find you the best car insurance in Ottawa.

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854 Bank St Suite 200 B, Ottawa, ON K1S 3W3

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Business: (613) 733-3312

Mandatory Ottawa Car Insurance Coverage

The government of Ontario requires that individuals in Ottawa must carry the following coverage to operate their vehicles on public roadways: 

  • Liability for Property Damage 
  • Liability for Bodily Injury 
  • Accident Benefits 
  • Uninsured Motorists 
  • Direct Compensation 

A $1,000,000 coverage limit for liability is common in Ontario. Liability Coverage, by definition, is designed to protect Ottawa drivers from damages they do to others or others’ property in a car accident. Here at McDougall, we recommend upping your Liability Coverage to $2,000,000, as lawsuit costs are rising, the limits in Quebec can be lower than Ontario and doubling your liability coverage costs you very little. 

See how much you can save on your Ottawa car insurance with McDougall and our access to competitive markets. Get a free quote today. 

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Collision Coverage

Collision coverage is optional, but highly recommended as if you are ever in an accident and deemed to be at fault, collision coverage will cover you for damages done to your own vehicle. This includes instances such as hit & runs, or parking lot accidents. You’ll have to pay a deductible for your collision coverage, so if you submit a claim under this coverage then you’ll have to pay that amount before your insurance company steps in to pay the rest. A standard deductible is $500, but you can increase or decrease this amount with any standard insurance company.  

Comprehensive Coverage 

Comprehensive coverage, like collision coverage, is optional, but a good option to add for an additional premium to have coverage against fire, theft, vandalism, falling objects, and collisions with animals. It is subject to a deductible, meaning you’ll have to pay this amount before your coverage kicks in to cover the remainder. It may also include glass repairs.  

Ottawa Auto Insurance FAQ’s

With your permission, anyone may borrow your vehicle (so long as their license is valid.) Your insurance policy, however, will follow your vehicle and not you, so if someone gets into an accident with your car, your insurance policy will be affected. The claim will be filed under your policy and show on your driver history. 

A driver must be listed on your policy when they have graduated to a G2 license. You are not required to list a G1 licensed driver on your policy. The driver must be listed on your policy if they live in the same household as you and do not have an auto insurance policy of their own. You may also choose to add a driver who does not live with you but borrows your vehicle regularly. 

You may certainly reduce or remove coverage off a vehicle that is not being driven. However, if you plan on driving the vehicle you will be legally required to purchase liability insurance to ensure your vehicle is road legal. It’s also not a bad idea to carry comprehensive insurance even while your vehicle is taken off the road. Comprehensive coverage provides protection from theft, fire, wind, vandalism, and more. Some drivers who have solely summer vehicles choose to do this. 

Auto insurance in Ottawa is mandatory. In order to renew a registration or register a vehicle in the province, you must first provide evidence of insurance. If you are ever caught operating a vehicle without insurance, your license will be suspended, you may be fined and you will be considered high risk by insurance companies. 

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