Hamilton Auto Insurance

We are here to help you find the insurance you need. We know how easy it is to get overwhelmed by all the options available to you—and how important it is to protect yourself, your passengers, and your car from accidents and collisions. That's why we are here.

Protect Yourself Against Legal Liability for At Fault Accidents
Accident Forgiveness and Rental Vehicle Coverage Options
Full Replacement Cost Coverage Available for New Vehicle
Customizable Auto Insurance Policies for Older and Newer Vehicles

Call (866) 484-8880 now to speak directly with an Insurance Specialist about Hamilton Auto Insurance or complete a no-pressure no-obligation quote request form.

Hamilton Auto Insurance: 40 Years of Insurance Expertise

We have been serving Canadians for over 40 years. We have the experience it takes to help you get the policy that fits your specific needs. Whether you are a brand-new driver or a seasoned pro, we will work with you to get you the auto insurance coverage that works for your life and budget. Getting you the right coverage at the right price is our specialty. To do so, we’ll ask you a few questions to get to know and understand your needs. Once we’ve understood that, we can find you the right policy.

Let us be your guide as we look at what kind of coverage options are available for drivers in Hamilton, Ontario:

We represent multiple insurance companies across the province of Ontario, so no matter what your needs are—whether you’re looking for an affordable option or something with a little more coverage—we can find a solution that works for you.

When it comes to finding the right auto insurance, it’s essential to have someone in your corner who knows what they’re doing. We can help you with not just finding and choosing a policy but also understanding what’s covered and what isn’t—and how to make sure you have the coverage you need.

Did you know that car insurance rates are determined differently in every city and province? In Ontario, your driving record, the type of car you drive, and your postal code determine how much you will pay.

What is Mandatory Auto Insurance Coverage in Hamilton?

The following car insurance coverages are mandatory by law and are required in an insurance policy.

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Third-Party Liability Coverage

Third-Party Liability Coverage will help cover any damages to others (Physical and Property) that are caused by an accident in which you are found at fault. This can cover repair, treatment, and legal expenses.

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Accident Benefits

Accident Benefits cover any damages passengers sustain when involved in an accident while in your vehicle. This can include treatments for injuries or any income loss as a result of the accident.

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Direct Compensation (DCPD)

Direct compensation would help if your car were to be damaged in an accident where you are not at fault, and this can help cover any repairs needed.

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Uninsured automobile coverage

Uninsured automobile coverage would protect you and your passengers in the event of an accident with a driver who is at fault and does not have insurance.

What is Optional Auto Insurance Coverage in Hamilton?

These optional Auto Insurance coverage options can be added to your insurance policy to give you some added protection from other circumstances:

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Comprehensive coverage

It’s also important to note that your vehicle can become damaged by other risks, such as theft, fire, bad weather, and vandalism. Comprehensive coverage would protect you in any of these situations.

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Accident Forgiveness

Accident forgiveness would provide you with a second chance if you are involved in your first at-fault accident, so you would be able to maintain your good driving record and your insurance rates will not go up.

How Car Insurance Rates Are Determined in Hamilton

Car insurance rates are calculated using three main factors: your driving record, the type of car you drive (the make, model, and year), and your address.

If you have several years of experience driving and have a good driving record, you’ll be rewarded with a lower rate. The vehicle you drive will also affect your rates—if it’s easy to repair or is more likely to be stolen, it can cost more to insure. If it’s an older model, it will cost less to insure. Your address also plays a role. Premiums are based on incidents that happen within your location and to residents of your area as well the chance of something happening.

To get your Hamilton car insurance started, call our team at 1-866-484-8880 today and see how our brokers work for you!

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