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Car Insurance Ottawa

An Ottawa insurance broker can help you save on car insurance. With five offices in Ontario and Quebec, our brokers can find you the right auto insurance coverage.

Helping you focus on the road

Operating an automobile without insurance is illegal in Canada. In the event of an accident, you’ll be held financially responsible for necessary repairs and other expenses, not to mention healthcare-related costs if any occupants of your vehicle are injured. You’ll also be charged for operation of a motor vehicle without insurance. Even in minor accidents; automotive expenses can cost thousands of dollars depending on the nature of the incident, the angle of impact on your vehicle, and other factors.

Rowat Insurance offers comprehensive car insurance plans, available in a tailor-made fashion to suit your unique needs. Begin the process by selecting either a quick or detailed quote, which will then take you to a questionnaire designed to suit your selection accordingly. Afterwards, our team of insurance advisors will consult your answers and suggest an insurance policy that will suit your specific needs. Our rates are cost-effective and proactive in the event of an accident, meaning you receive quick and professional financial assistance without hassle.

Working with Rowat Insurance is meant to encourage peace of mind, contentment, and a feeling of protection – and that’s because you truly are safeguarded from financial woes when enrolled in one of our car insurance plans. Regardless whether you drive a sedan, coupe, SUV, or sports vehicle, our team will ensure that you are adequately protected from a financial pitfall in the event of an automotive accident.

Our auto insurance policies include liability coverage, which will protect you if you’re the one held legally responsible for the accident in question. Additionally, we include accident benefits to provide financial restitution for medical and/or funeral expenses, rehabilitation fees, and loss of income due to disability.

Which factors influence my car insurance rate in Ottawa?

Age of vehicle

There are several to bear in mind. Regarding the vehicle itself, these include its approximate age (what year it was manufactured), specific make, and model. Some more sought-after and premium vehicles have a higher likelihood of being broken into and/or stolen, while others may have proprietary parts that are more expensive to replace should something go wrong. Rates will be adjusted based on these and other conditions related to the specific vehicle you own.

Driver history

Other factors include your age and other relevant driver history, and even where you live can play a role as postal codes can cause rates to be higher or lower than normal. For instance, if you’re a younger driver with relatively less experience behind the wheel, your premiums will be higher than those of someone who has been driving for several decades. This is because the risk potential is higher to the insurer given your inexperience.

Vehicle usage

Of course, how you use your vehicle is another matter to consider, such as if you’re going to heavily use it for a small business. Personal usage patterns also play a role in influencing your insurance rates, right down to how frequently the vehicle is used and what your general driving habits are.

What can I do to lower my car cnsurance rate in Ottawa?

Shop around

In addition to tried-and-true methods like having a good driving record and installing winter tires (this saves 5%), you should shop around from insurance providers who you might not have considered. Many, including us at Rowat Insurance offer competitive, reasonable rates without overlooking the essentials in terms of coverage. Rates can change unexpectedly depending on your circumstances, however, so bear this in mind while searching.

Bundle your policies with a single provider

You might also wish to bundle policies through the same provider, which typically reduces your overall premiums. This provides better value to drivers than keeping your policies active at separate insurance companies. In fact, some providers may even add further cost savings if you add family members and/or other vehicles to your plan. This would be a good idea as it is if you and a spouse take turns driving one car.

Increase insurance deductible

Alternatively, if you’re eager to save even more, try increasing your insurance deductible a little. By raising the amount that you intend to pay each time you file a claim, you might be able to lower your rates a bit. In addition, you could choose to pay premiums less frequently – on an annual basis rather than monthly, for instance – as this requires less administrative work on behalf of the insurer in question. Therefore, the price may decrease.

Types of car insurance coverages for drivers

  • Liability Coverages

    Third-Party Liability car insurance is mandatory in Canada – that’s the law. If there are damages to property or another person due to an auto accident that you caused, liability coverage will help to protect the policyholder if they are sued. Any legal expenses and the associated fees for settling those claims will be covered up to the policy limit.

  • Accident Benefits Coverage

    If you are hurt in a car accident, this type of coverage will pay for your supplemental medical care, rehabilitation, and attendant care, and will help replace a percentage of your income. It can also help to provide benefits to your spouse or partner and dependent children if you are killed in an accident.

  • Uninsured Automobile Coverage

    Depending on the province in which you live, you may be required to have coverage for you and your family against injury or death in the event that you are struck by an uninsured driver or a hit and run.

  • Direct Compensation-Property Damage Coverage

    Another mandatory coverage in most provinces is direct compensation – property damage coverage. This type of insurance covers the policyholder for loss or damage to the vehicle and its contents if another motorist causes your accident. This only applies if the other driver is at fault.

  • Optional coverages

    Rowat Insurance also lets you choose additional coverages above and beyond the mandatory options to best suit your needs. One of the most important optional coverages to consider is comprehensive insurance. This type of coverage protects your vehicle against damages not due to a collision – theft, vandalism, fire, falling objects, natural disasters, etc. It will protect the policyholder against any losses related to the drivers’ actions and it can also provide coverage for sudden actions by others or events beyond your control. You may also want to consider adding additional third-party liability, statutory accident benefits, and property damage insurance above and beyond the minimum coverage required by law. Based on your risk level and lifestyle, our brokers will recommend the appropriate coverage options for your needs.

  • Ride-Sharing Coverage

    Are you an Uber or Lyft driver? We can help to arrange ridesharing coverage to protect you, your vehicle and your passengers from the moment you accept a request to when they exit your vehicle.

Regardless whether you’re a teen driver, a breadwinner with a clean driving record, or a senior citizen, we at Rowat Insurance can provide car insurance coverage that is competitively priced, reliable, and legally required to protect you financially. Your vehicle and all occupants will be safeguarded in the event of an accident. Check out our car insurance quotes online or select one of our quote options to begin.

Why Work with a Car Insurance Broker?

You might be asking yourself, why you should work with a broker instead of calling an insurance company directly? The answer is simple. Insurance brokers work for you, not the insurance company. When you call a specific insurance company, they can only provide you with the information on the policies and plans that they provide. They can’t provide you with any other alternatives that are available on the market, only what they offer. At Rowat Insurance, we offer several choices from a variety of insurance providers. Our insurance brokers have detailed knowledge about all the available insurance policies and coverages out there. And since we work with more than one provider, we can find the right auto insurance policy based on your age, income, vehicle type, and lifestyle – not just some cookie-cutter policy. We offer independent, non-biased advice that is best for your bottom line – not the insurance company.

You’ll also receive other perks when you work with our team at Rowat Insurance as well. Here are just a few:

  • Expert, Non-Biased Advice When You Need It

    We are more than just insurance brokers, we’re advisors as well. When you work with Rowat Insurance you’ll get honest, unbiased advice to help you make better decisions. Unlike other providers who are focused on selling you something, we are focused on meeting your needs. Our brokers will make impartial recommendations and give you the advice to best protect your family both on and off the road. We’ll also make sure that you never overpay for coverage or purchase policies that you don’t need. Our team will identify the risks you should have coverage for and then shop on your behalf to find the right policy for your needs.

  • A Smoother Claims Process

    If you need to make a claim, our experience and knowledge can also help to make the claims process go much smoother. As your broker, we will advocate on your behalf with the insurance company to ensure that you will receive what you deserve as swiftly as possible.

  • More Options for More Savings

    As a registered insurance broker in Ontario, we can also sell general insurance for more than just your car. If you need coverage for your home, business, boat, ATV or even life insurance, we can help arrange that for you as well. In many cases we can even bundle your insurance plans together, saving you thousands of dollars a year! It truly pays to work with a broker.

What is a registered insurance broker?

In Ontario, insurance brokers are governed by the Registered Insurance Brokers Act of Ontario.

A registered insurance broker is an independent insurance professional. Brokers sell general insurance including coverage for home, business, automobile, farm, boat, ATV, life, etc.

Brokers represent your best interests when negotiating a contract with an insurance provider.

Unlike an agent, an insurance broker does not work directly for an insurance company or financial institution. Brokers act as an ntermediary between an insurance provider and the client.

Insurance brokers can offer several choices from a variety of insurance providers.

They are well versed on various insurance products available. They are not affiliated with insurance companies or financial institutions and can offer independent, non-biased advice.

Frequently asked questions

How much is car insurance in Ottawa?

The average cost of car insurance in Ottawa is around $1,500, however, various factors will impact how much you pay annually. For example, the cost of car insurance may be as low as $500 for some drivers. The cost will vary depending on your age, gender, years of experience, driving history, type of car you drive, and more. Another element that plays a role in determining the cost of car insurance rates is where you live in Ottawa. For example, insurance providers will look at local theft and accident rates when calculating premiums. As every car insurance policy is different, the average premium is subject to change.

Is car insurance cheaper in Ottawa than in Toronto?

Generally speaking, car insurance in Ottawa is known to be cheaper than in Toronto. With that said, the amount you pay for car insurance will vary based on several factors. The reason why insurance tends to be more expensive in Toronto is that it is a bigger city with heavily congested roads and highways. This leads to a higher chance of accidents, theft, collisions, and traffic convictions.

How does car insurance work in Ottawa?

Just like in all of Canada, it’s legally required to get car insurance in Ottawa. As a standard policy, it’s mandatory to have a minimum amount of coverage including $200,000 in third-party liability, accident benefits, and uninsured motorist coverage. Due to the no-fault insurance system in Ontario, each individual involved in an accident must go through their own insurance company. There are options available to get additional coverage where you see fit.

How do Ottawa’s car insurance prices compare with the rest of Ontario?

In comparison to the rest of Ontario, Ottawa has decently low insurance rates. On average, individuals outside of Ottawa pay up to $1,000 dollars more per year on their car insurance.

Can you get cheap auto insurance in Ottawa?

It’s definitely possible to find affordable auto insurance in Ottawa. Our team has access to hundreds of insurance policies and can find the one that best suits your needs at the best value. We will sift through all of the options to make sure your budget is satisfied.

Do Ottawa car insurance prices change frequently?

Car insurance prices can change frequently in Ottawa, which is why you may notice a higher quote when your plan is up for renewal. Here are a few tips on how you can get the most affordable insurance rate, even at the time of renewal:

  • Installing anti-theft devices can lower the risk of theft and break-ins and can qualify you for a discount on your auto insurance.
  • Reviewing your policy with your insurance broker at the time of renewal can allow you to discuss any changes you wish to make and is also an opportunity to lower your premium.
  • Increasing your deductible will automatically decrease your annual premium. Putting extra money towards your car insurance at renewal can save you money in the long run.
  • If you currently have separate insurance for car and home, combining them with the same insurer can reduce the cost of your premium. Most insurers offer a discount when bundling insurance policies.
What is the lowest car insurance in Ottawa?

Car insurance in Ottawa doesn’t come at a set rate, so the lowest car insurance can differ greatly depending on where you live in the city, among other things. Experienced drivers with a clean driving record that live in a low-crime neighbourhood and purchase minimal coverage can see premiums as low as $500 annually.

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