Auto Insurance in
Owen Sound

Making Insurance Friendly and Easier

Out of all the provinces in Canada, Ontario auto insurance rates have ranked amongst the highest. However, for some residents in smaller cities, insurance rates can be extremely affordable. Owen Sound is one of the most scenic cities in Ontario and is a great place to live if you love the waterfront. Another benefit to living in Owen Sound is the affordable insurance rates. Just like every other city in Ontario, it’s the law for Owen Sound drivers to have car insurance. These policies must include third-party liability, uninsured car coverage, direct compensation property damage and statutory accident benefits.

The isure insurance Advantage

isure hires only the best and most reputable Owen Sound insurance brokers to get you the best quotes. Experience the isure insurance broker advantage:

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Fully Licensed

We are registered under the Registered Insurance Brokers of Ontario (RIBO) to ensure your safety and that you are in good hands.

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You Save While We Work

You can save hundreds of dollars on insurance when you work with our Owen Sound insurance brokers. You can discuss your insurance needs with us and we’ll find the perfect coverage options and rates.

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We Understand the Market

isure has been the top insurance choice for Ontarions since 2006. We are also one of Canada’s most progressive, reputable insurance brokers with real people that live for insurance! We’re committed to helping Owen Sound citizens access the best insurance coverage available.

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Your Needs are our Top Priority

We are real insurance brokers helping real, amazing Owen Sound citizens. Each of our clients are assigned to a dedicated insurance broker that advocates for their needs when dealing with insurance providers. We handle all claims, quotes, inquiries, updates and more.

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Best Insurance Providers

We have access to all of the best, well-respected insurance providers in all of Canada for you!

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Coverage For All Your Insurance Needs

Our insurance brokers get Owen Sound residents quotes for home, commercial, auto, life, travel and more.

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Unbiased Advice

We guarantee honest, unbiased advice about the insurance quotes we obtain for you and all details that accompany it. We will always search and locate the coverage that is best suited to your needs.

isure and Owen Sound Auto Insurance

You’re in the driver’s seat when it comes to your auto insurance in Owen Sound with isure insurance! We offer auto insurance rates that suit the needs of all Owen Sound drivers. Our promise to you is to provide knowledgeable and transparent insurance expertise when you call us or get a quote online. We shop for the best auto insurance rates available for you to ensure you obtain the insurance you can count on. As Ontario’s leading insurance broker, our auto insurance rates in Owen Sound can provide you with high-quality coverage, convenience, and personalized service that exceeds your expectations.

Why Trust isure as your Owen Sound Insurance Broker?

There are a number of reasons for people living in Owen Sound to contact an isure insurance broker. Some of the best advantages of working with us include:

Easy To Follow Quotes: Contacting several insurers for rates can take a long time. When you hire an isure Owen Sound insurance broker, they handle all of these details, including obtaining quotes from different insurers for you!

Save More Money: Insurance brokers are the top solution to lower your insurance rates and save you money. Our Owen Sound insurance brokers have access to several insurance providers, premiums, coverage types and they will help you find the most affordable quotes for you based on the information you provide.

Valuable Information from a Licensed Insurance Professional: Navigating insurance can be extremely difficult if you have little to no experience. Hiring a licensed, knowledgeable, and experienced insurance broker can provide you with all of the important guidance you need to make the right insurance decisions.

FAQs About Owen Sound Auto Insurance

How can you lower the cost of your car insurance in Owen Sound?

Anti-theft Devices: Any equipment or tools that can help prevent theft to your vehicle can lower your insurance premium.

Winter Tires: The winters in Owen Sound can be relentless, especially when you need to commute to work in the snow every day! Not only is it imperative for your safety to have winter tires installed in the winter months, but you are often eligible for discounts on insurance premiums when your car has winter tires.

What factors affect auto insurance in Owen Sound?

Vehicle Type: The year, make and model of your vehicle will be considered by auto insurance companies when calculating the premium.

Vehicle Use: The way you drive your vehicle, how often and your driving habits can all play a role in the insurance rate you will pay.

Postal Code: The more populated, urban areas in Owen Sound often have a higher claim rate than rural parts. Urban residents can likely expect to pay a higher premium based on their postal code.

The Driver’s Age: Drivers with more experience on the road often pay much lower auto insurance premiums than newer and younger drivers.

Owen Sound Collision Reporting and Claims Process

Car accidents happen every day across the province. These accidents may vary in severity, though the protocol for managing reports and sorting through costs remains the same. Knowing what to do before an accident happens can help manage the preliminary stress. Below is isure’s guide to a collision reporting in Owen Sound: 

1. Manage injuries

Immediately after getting into an accident, take account of any injuries. You are very lucky if no one is injured, but in order to make sure no one is hurt, you have to ask everyone involved. If anyone is injured or appears as though they may need medical treatment, call 911 immediately. Once you assess the situation and ensure no one is hurt, you can proceed to the next step. 

 

2. Make a record

Creating an accident record is always necessary. Making a record of the accident will make filing insurance, as well as consulting a collision center, much easier. There are a total of four things you should keep a record of after an accident: 

  • Damages 

Take pictures or videos of the damage to all vehicles involved. This way, there is solid proof of the damages caused to each vehicle, just in case, there are any discrepancies between drivers, as well as for personal records and insurance. 

  • License 

Exchanging photos of each other’s licenses is a good way to prove presence on-scene and to attain all the required information from other drivers. Make note of the other car(s) make, model, and year. Exchanging contact information at this point is also suggested. 

  • Insurance 

You must get the insurance information of the person(s) involved to solidify a contract with them, even if they fail to respond to you. This is also a good practice as it ensures that the other driver(s) has insurance and can cover the resulting costs. 

  • Conditions 

Write down all the conditions of the crash. Was it sunny? Were the roads visible? Where did the accident take place, and at what time? All of these questions have informative answers, and each should be written down and provided to your insurance provider, collision center, and the police if need be. 

3. When to involve police

You must report accidents to the police if the combined accident damage exceeds $2,000.  

4. Report

Once all of your information has been collected, make your way to a collision reporting center. To get to the collision reporting center, you shouldn’t drive in your freshly-crashed car. Instead, look for a drive from a friend or an Uber. As for your car, it should be towed to the collision center by a tow truck. This can prevent further damage and additional accidents.

922 2nd AVENUE WEST, OWEN SOUND, N4K 4M7 

Tel: (519) 371-6886 

Fax: (519) 376-1669 

Hours: Monday to Friday: 9:00 AM – 5:00 PM 

What insurance covers: 

Typical insurance covers the costs of car repairs, replacements, and rentals. Some insurance policies will cover costs of tows, taxis, and other expenses if you are not at fault. Consult your isure broker to go over your specific insurance policy for personal coverages. 

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