Newmarket Auto Insurance
Finding the best auto coverage with a Newmarket car insurance broker
For those living in Newmarket, driving is an everyday occurrence. How much you drive and where, can look very different for each GTA driver. Perhaps you spend your Monday through Friday mornings and evenings commuting to work by car. Alternatively, maybe you have opted for the GO train on weekdays – saving your driving for more relaxing evenings and weekends. Whether you are driving five or 50 kilometres a day, auto insurance is essential.
Our Ontario teams have been supporting local drivers with their auto insurance for over 60 years. We have extensive expertise and knowledge when it comes to the most reliable and relevant insurance markets for your community. Our auto insurance advisors are familiar with the most common risks and accident rates in Newmarket. Plus, we are completely independent. This means we are not owned by an insurance company. Our advisors work for you and make our recommendations based solely on what is best for your interests.
Contact us to get started or continue reading to learn more about coverage options and how we support Newmarket drivers.
Types of car insurance in Newmarket
Drivers in Newmarket are legally required to have certain types of auto insurance coverage before they get behind the wheel and on the road. Below is a summary of the mandatory coverages for Newmarket:
Third-Party Liability Insurance
Third-party liability insurance covers the costs of injuries or property damage you cause to others in an accident, protecting you from financial responsibility for those claims.
Accident Benefits Insurance
Accident benefits ensure access to compensation for treatment, income replacement, and other support if you’re hurt in a collision, regardless of responsibility.
Direct Compensation Property Damage (DCPD)
With DCPD coverage, you deal directly with your own insurance company to repair or replace your vehicle in the event another driver is at fault. This can avoid delays with third-party insurers.
Underinsured or Uninsured Automobile Coverage
In Newmarket, this coverage protects you and your passengers in accidents where the at-fault driver is uninsured or underinsured. It helps provide financial compensation for any related losses.
Connect with an Acera Insurance auto broker to learn more about these essential coverages.
Optional auto coverages in Newmarket, Ontario
While you legally need to secure the fundamental coverages above to drive on public roads, there are also optional auto insurance coverages available for your consideration. Given the number of accidents and collisions which occur in and around the GTA, Newmarket drivers may want additional coverage to ensure complete protection.
Collision coverage
This type of coverage protects your vehicle from damage caused by accidents with other vehicles or objects, ensuring repair costs are covered after a collision.
Comprehensive coverage
In Newmarket, comprehensive coverage helps pay for repairs or replacement if your vehicle is damaged by factors beyond your control, such as fires, floods or vandalism.
Talk to a broker to learn more about your auto coverage options. Our team will work with you to understand your insurance needs and will advise on whether you would strongly benefit from enhanced protection.
Why choose Acera insurance for your Newmarket car coverage?
Auto expertise and dependable service when you need it most, that’s us.
Newmarket Car Insurance Experts
Our experienced advisors provide advice on the right coverage for your needs.
Multiple Ways to Save on
Your Coverage
With access to top insurance carriers, we offer tailored coverage, at competitive rates.
Emergency Claims
Reporting
Our emergency line is 24/7 in the event you need to report a claim.
Working with the best Newmarket auto insurance companies
Finding the best auto insurance in Newmarket needn’t be a difficult or painful task. And you certainly do not have to personally spend hours of your day researching the best options or trying to decipher technical insurance terms. All you need to do is reach out to an expert broker, and we’ll do the rest. It’s that easy.
As the largest, employee-controlled brokerage in Canada, our Ontario teams have access to a network of over one hundred different insurance companies. We work with these trusted and reliable providers to source the best coverage options for you. With so many options to choose from, you have the best opportunity to secure the right coverage at the right price. Simply select the rate and carrier you are most comfortable with and we’ll finalize the process.
Explaining Newmarket auto insurance rates
As a dedicated broker, we believe that knowing what impacts your premiums helps you make an informed decision and allows you to better understand what measures to take to reduce your overall costs. While your coverage or deductible plays a role in determining your rates, there is so much more to it than that. Some factors are easier to control, while others are not.
Here is a list of the main factors which impact Newmarket auto insurance rates:
- Your driving record
- Your claims history
- Your vehicle’s make and model
- The age and value of your vehicle
- How you use your vehicle
- How much you drive your vehicle
- Where you live
- Your coverage options
Insurance companies will use this information to review and determine the unique risk of a driver and their vehicle. This risk correlates with your auto insurance premiums. For example, new drivers have an increased risk of being involved in an accident. This means paying higher premiums until you have demonstrated responsible driving practices and gained more experience on the road.
At Acera, we have an insurance market for you and your specific circumstance. Our team works with multiple trusted insurance providers. We find the best combination of coverage and price, to ensure you are fully protected, while respecting any financial concerns.
Tips to help Newmarket drivers reduce their auto insurance premiums
Everyone wants to save money on their auto insurance. As discussed above, rates are determined based on a few key pieces of information. Even though these factors will have the strongest impact on your rates, there are still things you can do to help lower your premium.
- Bundle your home and auto: Combining your auto policy with one or more other policies, such as your home insurance, boat insurance or RV insurance, qualifies you for a multi-product discount.
- Request a higher deductible: By electing a higher deductible, you will decrease your monthly insurance payments. Be mindful you are comfortable with the deductible chosen in the event you need to submit a claim.
- Take a safety course: Insurance companies know the additional education provided in a driver’s training course usually results in better driving, meaning less risk and lower premiums.
- Stay claims-free: Practicing safe driving and avoiding the need to make claims shows greater responsibility, which is typically rewarded.
- Work with a broker: By working with a broker, you have access to several markets and the advice of an unbiased expert. They can help you find the best market for your needs.
For additional ways to save on your auto insurance premiums, contact an Acera Insurance auto broker.
Newmarket auto insurance quotes
Getting auto insurance doesn’t need to be difficult. Simply start your quote online and you can leave it to us to do the rest. With a few key pieces of information, we’ll utilize our local insurance expertise and industry resources to source multiple options from industry-leading insurance providers. Then, we will come back to you and will walk you through each option. All you have to do is decide which one is the best fit for you. Struggling to decide? We can even help you weigh the pros and cons. Our advisors offer unbiased advice and will always keep your needs and budget top-of-mind. You receive comprehensive coverage you are comfortable with and peace of mind. All without the stress of researching options on your own and debating on if you are paying more than you should. With Acera, we offer certainty.
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