First and foremost, car insurance is the law in Canada. Having a policy also offers peace of mind that you’re financially protected on the road. Whether it’s a minor fender-bender or a major collision, you can focus on your safety, knowing your insurance has your back. Other benefits you can take advantage of include:
At Tanner Insurance, we understand that navigating the world of auto insurance can be tricky. That’s why we’re here to simplify it for you. Your policy protects yourself, your vehicle, and others in the event of an accident, theft, or unexpected mishap and saves you from paying large sums of money out of pocket.
Car insurance is your safety net when things take an unexpected turn on the road. It typically has various types of coverage, each serving a unique purpose:
At Tanner Insurance, we understand that navigating the world of auto insurance can be tricky. That’s why we’re here to simplify it for you. Your policy protects yourself, your vehicle, and others in the event of an accident, theft, or unexpected mishap and saves you from paying large sums of money out of pocket.
At Tanner Insurance, we make getting car insurance easy with a simple process:
Enjoy your time on the road with peace of mind!
With years of experience in the industry, we’re dedicated to finding people like you affordable, tailored car insurance solutions. We understand that setting foot in the insurance world can be a confusing but necessary step. Let us guide you through the entire process. We offer:
There’s a lot you need to know when navigating through the world of car insurance— information that you won’t get when buying a policy online on your own. When you go through a broker like us, you get something you can’t when rate shopping online: peace of mind. The reality is that there’s no cookie-cutter solution out there, and every insurance company has different rates and terms. That’s why it’s best to leave it to the professionals to do the heavy lifting for you.
There’s a lot you need to know when navigating through the world of car insurance— information that you won’t get when buying a policy online on your own. When you go through a broker like us, you get something you can’t when rate shopping online: peace of mind. The reality is that there’s no cookie-cutter solution out there, and every insurance company has different rates and terms. That’s why it’s best to leave it to the professionals to do the heavy lifting for you.
When working with our team, you don’t have to wait weeks to get the best insurance rates in place. Our brokers start working right away to get to know you so that you can walk away with a policy that fits your needs as soon as possible. Working with us means you’ll save time and money.
There’s no one-size-fits-all approach to car insurance. We take the time to understand your unique circumstances, from your current financial situation to your driving history, and present personalized policy options that cover you from all angles.
If you’re looking to protect your vehicle at the best rate, call us at Tanner Insurance today. Our brokers are ready to help guide you through the entire auto insurance process and ensure you get the right car insurance policy for your needs.
Why get car insurance in Ottawa?
Securing an optimal insurance policy through us and our providers ensures peace of mind on – and off – the roads. In the event of an accident, theft, or an alternative complication, your insurance will kick in and reimburse you accordingly. This is also important for legal reasons, such as if you’re at fault for an accident due to an unintended mistake behind the wheel. Alternatively, if the insurer recognizes that another individual was at fault and caused the accident, you will then be protected financially.
If you live or work in the Ottawa area and are familiar with how busy many of its main routes for commuters are, you’ll know that having proper insurance is essential. Mistakes causing accidents can be incredibly costly. If you’re new to the National Capital Region, it’s important to bear in mind just how active this area can be along major roadways, highways, and otherwise. Not only that, but conditions can get quite slippery during our iconic Canadian winters.
Tanner Insurance is here to ensure you have sufficient coverage for peace of mind financially, no matter what time of year or the weather.
Why is auto insurance important in Ontario?
Without sufficient car insurance that covers all the essentials, you may be left to foot the bill. And this won’t be cheap in more serious incidents. Expenses you may incur include vehicle repairs, missing time from work due to these repairs or an injury, possible unemployment, and any legal costs associated with the accident or mishap. Auto insurance from our providers can be sourced with competitive rates and policy features that don’t leave you exposed to any substantial financial hit should the worst occur.
Can I keep my car insurance policy if I move from another province or territory?
If your current provider offers the same insurance policy in your destination province or territory, they may be able to switch you over. However, in most cases, this is not ideal. The silver lining is that you now have a chance to shop around and secure a rate that works for you—not to mention any important policy features that you didn’t have before.
Our team at Tanner Insurance is happy to help in this regard – don’t hesitate to reach out and discuss your car insurance needs with us, and we’ll help you make a well-informed decision.
What affects my car insurance rate?
Several specific factors can trigger an increase or decrease in your insurance rate. Your driving record is one of the most obvious, but there are others, including the make and model of your vehicle, its value (economical vehicles are less likely to be the target of theft), and any known issues with its performance.
In addition to the vehicle condition and driving behaviour, the limits and deductibles you opt for will also play a role. The same applies to demographic elements, including your financial stability, age, and sex.
What happens if I don’t have car insurance in Ontario?
Driving without an active car insurance policy is actually an offence that, while not of a criminal nature, will result in serious penalties. Demerit points are possible if you are caught, as is the risk of your vehicle being taken off the road temporarily. Alternatively, you may even end up having your license suspended for a set amount of time – this could be as long as several months to a year. Avoid these needless complications by ensuring you have proper coverage in place before getting behind the wheel.
At what age is car insurance cheapest?
Generally, after turning 25, your car insurance will decline slightly. However, once you’re in your fifties, you’ll typically see it at its lowest. Be prepared for it to rise again as you reach age 60 and up, however, as this is typically the phase of a driver’s life where the risk element to the insurer tends to increase (hence the cost rising).
If you have any concerns regarding your premiums, don’t hesitate to discuss them with us. We’re happy to assist you further and ensure financial peace of mind, all while delivering a car insurance solution from one of our providers that includes optimal protection.
How can I lower my car insurance rates over time?
Aside from age-related declinations, there are several approaches you may undertake that we encourage at Tanner Insurance. These include comparing insurance costs before driving a new or used car off the lot to avoid unwanted financial stress, requesting higher deductibles when possible, lowering your coverage on older and less-used vehicles you own, and bundling your home and auto insurance under a singular policy. For more suggestions, feel free to reach out to us anytime.
Will my car insurance rates go up as I get older?
Yes. As a driver gets older – especially into their sixties and onward – there is an increased risk element to them and their insurer. Factors behind rates increasing over time in this manner include the development of impairments, illnesses and health complications that could impact their driving ability, reduced perception and/or awareness of surroundings, and other similar complications. These are challenges for both you and your insurer, but know that if an accident or mistake on the road does occur, having a sound and effective car insurance policy will protect your finances from any stresses.
Is car insurance in Ottawa expensive?
Car insurance costs will vary depending on a wide array of factors. There may be a slightly higher uptick in more densely populated urban areas like Ottawa, Toronto, and other cities, but this will vary depending on the provider. The city typically will make less of an impact in comparison to other factors we covered above, like driving record and age of vehicle. If you’re unsure which policy will work best for your finances and coverage needs, our team would be glad to help you make the most informed decision possible.
What types of car insurance coverage are available?
Car insurance offers several coverage types to suit your unique needs. Common options include:
What is a deductible, and how does it affect my policy?
A deductible is the amount you must pay out of pocket before your car insurance covers the rest of the expenses. For example, if you have a $500 deductible and incur $2,000 in repair costs from an accident, you’ll pay the initial $500, and your insurance provider will cover the remaining $1,500. The choice of deductible impacts your policy in two ways:
What does car insurance not cover?
Car insurance typically doesn’t cover the following situations:
How do I submit a car insurance claim?
If you get into an accident or your vehicle sustains damage from a non-collision event, ensure you file a claim as soon as possible. The process can differ between insurers, but generally, you’ll follow this procedure:
Can I cancel my car insurance policy at any time?
In most cases, you can cancel your car insurance policy anytime. However, you may face potential consequences, such as cancellation fees or a loss of coverage. If you decide to switch insurers, securing new insurance before cancelling your existing policy is advisable to avoid a coverage gap. Review your policy terms and consult with your insurance provider to understand the specific cancellation procedures and any associated costs. At Tanner Insurance, we can assist you with this process and help you find suitable replacement coverage.