Auto Insurance Kenora

You know you need car insurance in Kenora. But how much coverage is necessary? Do you need to purchase any add-ons? And how can you lower the cost of your insurance premiums?

At Westland Insurance, we believe that your coverage doesn’t have to be complicated. We’re here to answer all your questions surrounding car insurance. Simplify insurance when you work with Westland.

Maybe you’ve never purchased car insurance in Ontario before. Maybe you want to shop around for a better rate. Either way, our insurance brokers are here for you; we’ll help you find the right coverage for your vehicle.

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Mandatory Coverage

By law, you are required to purchase the following types of insurance for your vehicle in Ontario:

After a car accident, the ramifications can affect someone’s life for months. What if someone is unable to work?

This is where accident benefits coverage kicks in. Coverages include death benefits, income replacement, medical costs, rehabilitation expenses, and caregiver fees.

Have you been involved in an accident? If you cause property damage or bodily injury, those affected by it may decide to take legal action. With liability coverage, you’ll be reimbursed for legal expenses. By default, liability cover has a limit of $200,000. You can extend this limit to ensure you’re completely covered.

Get coverage for damage and loss of use to your vehicle with this insurance policy. You’ll be compensated for these expenses as long as you’re not at fault. With direct compensation, the claims are filed through your own insurer for a quicker turnaround time.

As careful as we are, car accidents happen. Even though you have insurance, not all Kenora drivers do. If you’re involved in an accident, and the at-fault driver has inadequate insurance, you’ll still be covered through this policy.

Enhanced Coverage

Physical damage coverage will help you cover the costs of repairing or replacing your vehicle. Your coverage options include:

Get covered for damages caused by extreme weather, collisions with animals, and vandalism.

Repair or replace your vehicle after an at-fault collision with this insurance.

You’ll be covered for any insured losses specified in this policy, including falling objects, flying objects, natural disasters, human-caused disasters, and vandalism.

Combine comprehensive and collision insurance for the best of both. You’ll also be covered for any damages if a person living in your home steals your vehicle.

Optional Coverage

Are you thinking about increasing your coverage? Additional car insurance options include:

  • Removing Depreciation Deduction
  • Family Protection Coverage
  • Loss of Use
  • Liability for Damage to Non-Owned Automobile
  • Accident Protection or Accident Forgiveness

Personal Auto Insurance Discounts

Want to lower the costs of your insurance? You may be eligible for these discounts:

  • Get winter tires. Drive safely in the winter with seasonal tires.
  • Install anti-theft measures. By increasing the security of your car, you can lower the chances that someone will vandalize or steal it.
  • Bundle your insurance. If you can bundle your home insurance with your auto insurance, you can save on your payments.

Car Insurance FAQ

Got questions about your insurance? You’re not alone; Kenora auto insurance can be a complex subject.

Don’t worry: We’ve put together this FAQ to clear up the questions that we’re commonly asked:

Traffic tickets cost you money and affect your insurance rates. If you have a history of speeding, impaired driving, or traffic tickets, your insurance rates will increase.

It always pays to drive safely—not just for those you share the road with, but for your bank account, too.

Premiums vary based on a person’s individual insurance profile.

That depends; how often does your spouse drive your vehicle? If they use it regularly, consider adding them to your insurance policy to ensure you’re protected.

Here’s a list of factors that affect your insurance rates:

  • Vehicle usage
  • Distance from your home to your place of employment
  • Insurance history
  • Driving record
  • Experience

In Ontario, all drivers are required to purchase the four types of mandatory coverage. However, optional coverage is not required.

Update your insurance with each year you drive accident-free. Your driving and insurance history will directly affect the cost of your rates.

If you’re a less experienced driver, your insurance will typically be more expensive. To get an accurate quote, reach out to an insurance broker at Westland.

Request an Insurance Quote Today!

Protect your car with auto insurance in Kenora. Whether you’re looking for a new car insurance policy or you’d like additional coverage, give us a call.
At Westland Insurance, our team of advisors will do the heavy lifting for you. With our expert advice, we’ll help you find the best coverage for your vehicle, contact us today!

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