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Insurance Broker Scarborough

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What People Say About Our Insurance Broker Service in Scarborough:

Ontario Insurance Hub
Ontario Insurance Hub
5.0
Based on 3 reviews
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Lloyd LoganathanLloyd Loganathan
16:58 19 Jan 24
Great service and cheap rates! Everything you want from an insurance broker.
James AbrahamJames Abraham
16:52 19 Jan 24
Heard great reviews of this place specifically of insurer broker Mr. Mano and look forward to going through him for my insurance needs this year.
Rajeev KuganRajeev Kugan
03:36 17 Jan 24
Ontario Insurance Hub delivered outstanding service for my home and car insurance. They provided a quick quote at a remarkably competitive price, saving me valuable time from shopping around. The staff was friendly, knowledgeable, and efficient, making the entire process hassle-free. I highly recommend Ontario Insurance Hub for their professionalism and commitment to delivering top-notch insurance solutions. Thank you for the excellent experience!
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About Us: Why Choose Ontario Insurance Hub As Your Scarborough Insurance Broker

We are leading in rate comparision and professionals insurance broker in Scarborough, partnering with Canada’s top 50 insurance companies. Our ability to compare your insurance rate with top companies enables us to offer you the best and cheapest car insurance in Scarborough, fitting snugly into your budget. For over a decade, we’ve been providing home and auto insurance in Scarborough.

Our unique offering includes ridesharing and Uber insurance at no extra cost as part of our car insurance package. We also delight in offering a discount to those who choose both home and auto insurance, further enhancing your savings on car insurance.

If you’re looking for new insurance or planning to renew your current policy, we encourage you to compare and analyze the rates at Ontario Insurance Hub. This will simplify your journey to securing affordable insurance. You can also find us by searching car insurance Scarborough near me.

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We Compare Your Rates With These Insurance Companies In Scarborough

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Source of information:

The content you will read below is not just imaginary, it is based on actual value and numbers. We’re licensed insurance and financial advisors in Ontario. We gather our information from trusted sources like the Financial Services Regulatory Authority of Ontario, High Traffic Rules and Condition, the Insurance Bureau of Canada, and the Government of Ontario. Our team applies their expertise to this information to offer you personalized advice that’s both ethical and compliant. We’re committed to transparency, ongoing learning, and earning your trust as we work towards securing your financial future. Thank you for choosing us.

Research and Written by  Arjun Mano

Updated on: 8 March 2024

How much is Average Car Insurance in Scarborough?

On average, drivers in Scarborough can pay around $2815 per year or $230 per month as of January 2024, but remember this is a moderate rate; many people face higher rates because of the type of vehicle they drive, their age, their driving record and sometimes postal code can also affect insurance scarborough rate.

Is it legal to have Auto Insurance in Scarborough?

Yes, Auto insurance is legal and mandatory in Scarbrough. The government set some policies and requirements for all drivers in Scarbrough.

If you drive without insurance in Scarborough, you will be facing a penalty of $ 5,000 to $50,000, depending on the mistakes you made.

How Insurance Companies calculates Car Insurance Scarborough Ontario?

Scarborough insurance companies actively check your age, whether you’re a man or woman, where you live, what car you drive, and your past driving record. After they look at all these things, they determine how much you need to pay for your insurance.

Occasionally, they’ll look into your past insurance claims and multiple insurance policies. This helps them understand your past dealings. Sometimes, they might need to peek into your credit history. But don’t worry, this only happens when they’re having difficulty figuring things out. If everything in your case is straightforward, there’s no need to check your credit history.

That’s why we always recommend getting insurance from professionals like us, so you can easily get all your information and insurance. We are partnered with Top Insurance companies so we will never charge our customers.

Why does Scarborough car insurance faces high rates every year?

Scarborough, a busy city in Ontario, actively experiences a higher likelihood of traffic collisions. These incidents, along with the frequent occurrence of thefts, directly influence the cost of Auto Insurance. Consequently, insurance rates are on the rise every year. Insurance companies have actively observed a 28% increase in insurance claims in Ontario compared to last year, and a 16% increase in Scarborough. This trend is actively pushing car insurance rates to rise annually. Last year 2023, the average car insurance in Sarborough was $2400 per year, but it has now actively increased to more than $2800.

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Benefit Of Using Insurance Broker Scarborough

An insurance broker in Scarborough has all the information that a customer immediately needs. If you contact the company directly, it often happens that the company provides you with insurance at higher rates and fewer benefits, like car insurance premiums, and accident benefits coverage. You should not be excluded from such coverage. Therefore, it is important that whenever you are getting a car or home insurance in Scarborough, you should have a broker or rate comparison company with you so that they can provide you with cheap insurance. 

You can avail some of the best benefits if you buy car insurance through a broker:

  1. Getting Under Experts: Brokers have all the knowledge that is very important when buying insurance, because brokers are RIBO licensed and with the help of such an expert, not only can you get the cheapest insurance, but you can also get information about the rates, coverages, and policies of dozens of insurance companies.
  2. Comparing and Measuring: When you use the Scarborough insurance broker service, you get your insurance rates compared with 50 plus companies for free, and because of this, you get the best and cheapest insurance.
  3. Time Savings: It is obvious that if you leave your daily work and sit down to compare insurance and find out, it will take a lot of time, so if you give this work to an insurance broker, the data of 50 plus companies will be in front of you in a short time, so you save a lot of time.
  4. Future Discounts: If you obtain rates and insurance from a broker or rate comparison company, it’s possible that when you go for renewal or purchase another insurance, they might offer you a certain percentage discount as a return customer. Because of this, you will be able to get perfect and balanced insurance coverage.

What is the fees of an insurance broker Scarborough?

Well, the service is free because brokers are paid by the companies, not the customers. You can compare your rates and get auto insurance at no cost

Compare Your Rates With Scarborough Car Insurance Broker.

If you are among those who care about their life and their car, then you are at the right place. We, Ontario Insurance Hub, a trusted and best car insurance broker in Scarborough, provide car insurance based on a person’s needs. Every citizen has some requirements, so perfect insurance at a good rate can only be provided by the Ontario Insurance Hub. Along with this, you can get the rates of Canada’s top 50 insurance companies in just a few seconds.

Mandatory and Optional Car insurance.

When discussing the types of car insurance, there are two main categories: mandatory and optional. The government of Ontario and the Financial Service Regulations Authority(FSRA) have established separate systems for these two types of coverage, ensuring that every citizen of Scarborough can easily avail of them.

Mandatory car insurance.

Mandatory coverage is essential and must be included in your car insurance policy. There are four types of mandatory coverage.

Suppose you accidentally harm someone or their property. This insurance steps up to protect you financially. If you’re in Scarborough, you must have it. It defends you against lawsuits or claims from others.

The coverage starts from $200,000 and can go up to $2 million. Your specific policy and the insurance company decide the exact amount.

Several factors determine your premium for this coverage. These include your age, your driving record, the type of car you drive, and your location. Typically, people spend between $1,000 and $2,500 per year on this coverage.

Provides medical, rehabilitation, and income replacement benefits if you are injured or die in a car accident, which protects you against the risk of being involved in an accident with an uninsured or underinsured driver.

  • Medical care payment: A person can get a maximum benefit of around $3,500 to $ 5,000 for minor injuries. But when an injury is severe, the standard use is up to $65,000 per person (minimum five years). The common benefit for catastrophic injuries is $1 million to cover medical and attendant care.
  • Death and funeral payment: According to the Statutory Accident Benefits Schedule (SABS), they specify that up to $25,000 is provided to the deceased’s spouse, with an additional $10,000 available for each dependent. Additionally, the SABS indicates that up to $6,000 is allocated for funeral costs in the unfortunate event of the insured individual’s death.

Imagine you’re in an accident, but the other driver either doesn’t have insurance or can’t be identified. That’s when this coverage comes into play, protecting you. The Financial Services Regulatory Authority (FSRA) and Statutory Accident Benefits Schedule (SABS) confirm that in Ontario, the minimum coverage for Uninsured Automobile Coverage stands at $200,000. So, if you find yourself in an accident with an uninsured or unidentified driver, this coverage has got your back.

This is a key part of Ontario’s no-fault auto insurance system. It ensures that you receive compensation for vehicle damage regardless of who was at fault.

It’s important to note that DCPD applies under specific conditions. For example, the accident must occur in Ontario, involve at least one other vehicle, and at least one car must be insured by an Ontario provider.

According to the latest information from FSRA and CBC, while DCPD is currently mandatory across Ontario, there have been proposals suggesting the introduction of an opt-out provision for DCPD starting in 2024. If implemented, this would allow individuals to choose whether or not to include DCPD as part of their auto insurance coverage.

Optional car insurance.

If you already have mandatory coverage but wish to avail additional safety and benefits, you can opt for other coverages. There are several optional coverages available in Scarborough that you can help for added protection.

This coverage compensates for damages resulting from a collision, regardless of who’s at fault. It provides financial protection when the driver is at fault or in single-vehicle accidents.

This type protects vehicles against non-collision-related theft, vandalism, fire, or natural disasters. It offers a broader scope of protection beyond typical collision scenarios.

This coverage protects vehicles from specific perils listed in the insurance policy, such as fire, theft, or certain natural disasters.

This coverage combines the benefits of collision and comprehensive coverage. It offers extensive protection for a wide range of potential risks, including both collision-related incidents and non-collision events like theft or vandalism.

This extends liability protection to vehicles that drivers occasionally operate but do not own, such as rental cars. It ensures financial coverage for any damages that may occur while using these non-owned vehicles.

Optional Policy Change Forms(OPCF).

Drivers in Scarborough can make their coverage 1 step ahead by adding these endorsements to their coverage.

Suppose your car is being repaired or replaced, and you’re using a rental car in the meantime. In that case, the transportation fees and insurance coverage for the rental car are included under this provision. This means that while your car is unavailable, you won’t have to worry about the additional costs of using a rental car. It’s a beneficial feature that ensures you stay mobile without incurring extra expenses.

This provides coverage for vehicles, including accident benefits, liability, and uninsured automobiles that you don’t own but occasionally use, like a borrowed car.

Suppose you’re involved in an accident, and the other party is responsible, but their insurance coverage isn’t fully covering your injury and damage claim. In that case, this optional endorsement can complete your coverage. This means that if the other party’s insurance falls short, the optional endorsement can step in to cover the remaining costs. It’s a safety net that ensures you’re fully covered in case of accidents where the other party’s insurance is insufficient.

If your car gets damaged, its value will obviously decrease due to depreciation. But if you add OPCF43 coverage, insurance companies won’t depreciate your car’s value. This means that in the event of a claim, the insurance company will pay out the full value of your car before it was damaged, not its depreciated value. It’s a valuable addition to your insurance policy that can save you money in the long run.

We analyzed our past user data and found out the rates of Scarborough Car insurance by age and gender.

Scarborough Car Insurance rates by age and gender.

According to the Insurance Institute for Highway Safety (IIHS) report, young and male drivers can face high rates compared to females or those above 25. The cost can vary depending on their driving experience and accidents caused by their unprofessional driving. Mostly new drivers are paying around above $3,200 to $3,500 in Scarborough, Ontario.

Age Yearly Monthly
Male 16-20
$3,200
$266
Female 16-20
$3,120
$260
Male 21-24
$3,100
$255
Female 21-24
$3,000
$250
Male 25-30
$3,050
$254
Female 25-30
$2,900
$241
Male 31-39
$2,850
$237
Female 31-39
$2,850
$237

Why do young people paying more in Car Insurance Scarborough?

Insurance companies often charge higher rates to young people or new drivers, especially those between 18 to 25 years old in Scarborough. There are several reasons for this. Firstly, young people are usually more emotional and impulsive, which can lead them to drive faster and more aggressively, increasing the risk of accidents. Secondly, they typically have less driving experience, which can result in more frequent insurance claims. These factors combined make insurance companies charge higher premiums to this age group.

Car insurance rates by postal code in Scarborough.

While the average rate hovers above $2800, your postal code can significantly influence your scarborough car insurance rates. But how does this happen? Specific postal codes are located in areas that are highly secure and experience less traffic. This results in fewer accidents and theft claims, leading to lower insurance rates. Insurance companies organize their data according to these postal codes. Premium postal codes include M1B, M1J, and M1X, with annual rates ranging from $2600 to $2900. So, your postal code can play a crucial role in determining your car insurance rate.

Postal Codes Rates
M1B
$2,850
M1C
$2,800
M1J
$2,610
M1X
$2,700
M1K
$2,200
M1L
$2,760
M1H
$2,400
M3M
$2,500
M9V
$2,600
M3N
$2,120

Uber Insurance Scarborough

Many insurance providers in Scarborough and throughout Ontario offer ride-sharing and Uber insurance in Scarborough. This is because, due to inflation, people are looking for additional income sources, including Uber. Therefore, along with commercial driving, insurance is also essential. The Ontario Insurance Hub can be of great help in finding Uber insurance. So why wait until ONIS HUB is with you?

Weather Network Effect Car Insurance In Scarborough.

Scarborough is a freezing place with a lot of rain and winter. This weather makes insurance costs for cars and homes go up every year. Because the weather changes a lot, insurance companies must change their rules yearly. They are now giving more importance to winter tires. They also consider making storm and flood protection a must-have in car insurance. Let’s look at some numbers from last year and this year to see how changes in the weather can affect your money.

Rainy days per year 2022: 45 days 

Rainy days per year 2023: 167 days 

 Average annual rainfall 2022:  33.25mm

Average annual rainfall 2023:  717mm

Snowfall days per year 2022: 50 days

Snowfall days per year 2023: 61 days

Average annual snowfall 2022: 280mm

Average annual snowfall 2023: 527mm

After seeing this, insurance companies will not continue with old policies and will change them according to the time and situation. So, if you’re worried or confused, get your cheap car insurance in scarbororugh, Ontario with us.

Find the cheapest car insurance in Scarborough with Onis Hub

Finding a good car insurance broker in a city like Scarborough can be a challenging task, but there’s no need to worry anymore. At Ontario Insurance Hub, you can easily compare rates for your car, home, and business insurance for free. Our top-notch insurance broker service will provide you with the cheapest insurance. Call now or contact our consultants to get your quick insurance quote.

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Ways To Get A Cheapest Car Insurance In Scarborough.

Several factors can affect car insurance rates, so understanding them in Scarborough is essential.

  1. Compare quotes and shop around: We recommend actively shopping around and comparing quotes for car insurance. By examining different providers, you gain a better understanding of their policies. This proactive approach not only helps you save a significant amount of money but also ensures you find the best discount available. Remember, every penny counts when you’re looking for the most affordable car insurance rates. Compare your free Car insurance quote with ONIS HUB.com.
  2. Consider raising your deductible: To secure cheap insurance coverage in Scarborough, consider taking an active role in adjusting your deductible. A higher deductible can significantly lower your premiums. Regularly reviewing and updating your insurance policy ensures you’re getting the best rates.
  3. Pay Annually: Try to pay your insurance premiums annually. This strategy can help you save some money compared to paying monthly.
  4. Ask Discount: Take advantage of any discounts and savings opportunities available to you, like bundle your car and home insurance.
  5. Driving course: By completing the government-certified driving course, you will improve your defensive driving capabilities and significantly decrease your premiums. That’s because insurers view such drivers as less of a risk (and have enough statistics to back that up).
  6. Add winter tires: Ontario experiences harsh winter weather conditions, which can make driving hazardous. So, installing winter tires helps you to get a discount on your insurance coverage.
  7. Choose better cars: Choose cars with lower insurance rates, like the Honda Civic, Toyota Corolla, Subaru Outback, Hyundai Santa Fe, and SUVs. These vehicles are family and eco-friendly, increasing your chances of getting a reasonable insurance rate in Scarborough.

  8. Add security: Use alarms and security features in your car so that insurance companies will consider your vehicle secure.

If you need assistance or expert advice, consider seeking help from an insurance providers or Auto Insurance Broker in Scarborough. Remember, every penny saved is a step towards cheapest insurance coverage.

Documents required for getting Auto Insurance scarborough

  • Valid Driver’s License: It’s essential to have a valid State(Ontario) driver’s license. This license not only serves as your primary form of identification but also confirms your eligibility to drive a motor vehicle in the region.
  • Vehicle Information: Be ready to share detailed information about your vehicle, including the make, model, year of manufacture, and Vehicle Identification Number (VIN). Any relevant vehicle history is also essential. This information helps determine the specific coverage and premiums for your vehicle.
  • Personal Information: Insurance providers will need your details, such as your full name, date of birth, address, and contact details. This information helps establish your identity and assess any potential risk factors associated with providing you with insurance coverage.
  • Driving History: Keep a comprehensive record of your driving history. This should include any past accidents, traffic violations, or claims. This history allows insurance companies to assess your risk profile and determine the appropriate coverage and premium rates for your policy.
  • Insurance History: If you’ve had auto insurance coverage in the past, be prepared to provide details about your previous insurers, policy periods, and any claims made. This information helps insurers evaluate your insurance history and may influence the terms and conditions of your new policy.
  • Additional Documents: Insurance providers may ask you to establish your current address in Scarborough. This could involve providing documents such as utility bills or lease agreements.
  • Driving Period: As for your annual mileage, please provide an estimate. The distance you drive each year can affect your insurance premium, as more time on the road increases the likelihood of accidents.
  • Usage: Don’t forget to specify the primary use of your vehicle, whether it’s for personal use, or business. The purpose of use can influence the type of coverage you need.
  • Courses: Lastly, if you’ve completed any defensive driving courses or certifications, make sure to inform your insurer. This can sometimes result in discounts on your insurance premium, helping you secure a cheaper price for your coverage

Car Insurance rates compared to other cities.

The rate of car insurance varies from city to city as it is based on factors such as traffic, population, theft, and other aspects. If you reside in Pickering, Guelph, or Vaughn, you may encounter different rates because the influencing factors in these locations are different.

City 2024 Annual Rates
TORONTO
$2,300
BRAMPTON
$2,707
RICHMOND HILL
$2,188
MISSISSAUGA
$2,311
OSHAWA
$1,839
WINDSOR
$1,743
HAMILTON
$1,810
LONDON
$1,730
AJAX
$1,726
KITCHENER
$1,654
GUELPH
$1,676
BRANTFORD
$1,602

Best Insurance Companies Scarborough.

Billyard Insurance Group

Type: Broker

Address: 1585 Markham Rd #408, Scarborough, ON M1B 2W1

Phone Number: +14162924424

Ontarioinsurancehub

Type: Quote Comparision and Insurance Broker

Address: 1141 Morningside Ave #42, Scarborough, ON M1B 0A7

Phone Number: +16475021840

Economical Insurance:

Type: Direct Provider

Address: 121 King St W #1400, Toronto, ON M5H 3T9

Phone Number: +18002688801

RBC:

Type: Direct Provider

Address: 2900 Warden Ave. #209, Scarborough, ON M1W 2S8

Phone Number: +14164971226

Think Insure:

Type: Broker

Address: 5700 Yonge St, Suite 1900, Toronto, ON M2M 4K2

Phone Number: +1 855-550-5515

Travelers Insurance:

Type: Direct Provider 

Address: 759 Warden Ave., Scarborough, ON M1L 4B5

Phone Number: (416) 800-0881

Frequently asked questions about Car Insurance Scarborough

Brokers have extensive knowledge about insurance, so no one can assist you better than them. Therefore, if you want cheap insurance with maximum benefits, consulting an insurance broker in Scarborough is a must.

No, brokers are paid and affiliated with companies, so they won’t charge you a single dollar. They receive their commission from the companies.

You can contact any rate comparison company or broker to get a rate, submit your documents, and obtain insurance within a few days.

It’s not possible to state a specific rate because car insurance rates are determined after analyzing your driving history, claims, accidents, and other factors. Therefore, it’s best to compare rates with a top insurance broker first to get an idea of the cost for full coverage.

Toyota and SUVs are the most affordable due to their safety features. They are family cars, so racing is not possible on them.

No, it isn’t. Both cities experience high insurance rates each year due to their large populations and traffic issues.

Our Physical Location in Scarborough:

We cover Overall Scarborough:

Arjun mano

Arjun Mano

Having more than 8 years of experience in writing and reporting about Insurance and Finance. He is working with Onis hub and providing valuable knowledge to our readers. Read full bio.

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Car Insurance service areas in Ontario, ON

We are providing Insurance services in these Cities and Town aswell. For best rates based on city check out.

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