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KBD is an Ottawa car insurance broker with 40+ years of experience in the Canadian market.
We provide Ottawa residents the best car insurance rates and make the process quick and affordable.
Get affordable car insurance in Ottawa
Ottawa car insurance coverage we provide
Collision
With collision car insurance, you’re covered in the event of an at-fault accident, where you were the primary cause of the damage. Collision car insurance is subject to a deductible.
Comprehensive
Subject to a deductible, comprehensive car insurance covers you in the event of a fire, theft, vandalism, or glass breakage.
Liability
This coverage is mandatory in Ontario, and covers you for accidents that you’re not responsible for, or if you cause third-party damage.
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Car insurance Ottawa – FAQs
What is the average car insurance cost in Ottawa?
The average car insurance cost in Ottawa, Ontario is about $1528 a year.
So that’ll cost you around $127 a month give or take, depending on a few factors.
They include your driving history (claims & traffic violations), the make and model of your car, your age, and your gender.
But if you’re a student, or you just want to be budget-conscious, there are a few things you can do to lower your average monthly car insurance payments.
For example, you can increase your deductible, drive responsibly, and make your payments on time.
If you want an exact figure on your car insurance, the best thing to do is get a quote.
We can help with that, plus find you more ways to save.
Looking for an Ottawa car insurance broker?
Which insurance is best for cars in Ontario?
Again, it comes down to finding the best car insurance company for you and your vehicle.
The best way to find the cheapest car insurance in Ottawa (with the best coverage possible), is to shop around with multiple companies.
Here are a few companies you can get auto insurance quotes from:
- Economical Insurance
- Intact Insurance
- Belair
- Desjardins
A car insurance broker can do the leg work for you by assessing your vehicle, as well as your driving and claims history to get you a custom quote.
Ready to get yourself some car insurance? Get in touch with our Ottawa car insurance brokers.
Which car has the cheapest insurance in Ottawa?
It’s true. The make and model of your car can affect your car insurance premium.
BUT the biggest difference-maker is your driving and claims history. So keep driving like a saint, and you’ll keep your car insurance cheap.
That said, if you’re heading to the dealership and you want to keep your premiums as low as possible, it’s a good to keep the below list in mind:
- Reliability
- Mileage
- Safety
- Additional features: The more expensive your car is to repair, the higher your premium.
- Pro tip: Your driving record and claims history is still the biggest contributing factor to your car insurance premium.
Since each car has a separate driving, reliability and mileage, premiums are determined on a case by case basis.
But generally speaking, your Honda will have a lower rate than your Ferrari (unfortunately).
If you want a custom assessment of your car based on the above factors, the best thing to do is to get a quote from us.
Let’s save you money on car insurance.
How can I make my Ontario car insurance cheaper?
Unless you’re ripping around like Dom Toretto, getting cheap Ontario car insurance is actually pretty simple.
Here are 4 ways to do it:
- Drive responsibly: If you drive like an old lady, you’re probably in the clear. Slow and steady wins the race in car insurance. The cleaner your driving record, the lower your insurance premium.
- Raise your deductible: The standard deductible is usually around $500, but in our humble opinion, should be closer to $1000. This is because it’ll lower your monthly insurance rate. So keep a rainy day fund on hand if you do need to pay the deductible, but aside from that you’ll be saving money month over month.
- Don’t miss payments. You can automate your payments so that you never miss a bill, and your payment history stays squeaky clean.
- Shop the market: Last but definitely not least, shop around for lower rates. A broker can do this for you, which saves you time and money. At KBD, we don’t charge car insurance clients a broker’s fee, so you get this service for free.
What are the 4 types of mandatory car insurance in Ontario?
It’s mandatory to have car insurance in Ontario, and you have to carry at least $200k of coverage at minimum.
If you bought a new car, or just moved to Ontario, you’ll want to get a few key types of car insurance to make sure you’re covered.
Here are the types of car insurance coverage you must have in Ottawa, Ontario:
- Third party liability: Covers you in the event that you’re found to be at fault for property damage, injury, or death.
- Statutory accident benefits coverage: Includes (but not limited to) coverage for income replacement, medical and rehabilitation, and death and funeral expenses.
- Uninsured automobile coverage: Covers you for damages caused by a driver that doesn’t have car insurance.
- Direct compensation – property damage insurance (DC-PC): Provides coverage if your vehicle is damaged in an accident you didn’t cause.
It’s important to ask your broker or insurance company exactly what your policy covers.
That way you can avoid any surprises if you’re involved in a car accident and need to make a claim.
Ready to get a car insurance quote? Give our Ottawa insurance brokers a call.
What do insurance companies not want you to know
Here’s something. Ever heard of telematics? Yeah, no, probably not.
Telematics are shiny new GPS tracking systems that insurance companies are trying to get people on board with.
Basically they’re apps that log your driving behaviour on the road.
This gives a more accurate picture of you as a driver, so insurance companies can adjust your car insurance premium to reflect that.
So, instead of your premium being grouped in with a bunch of Millennials because you were born in 1992, you’ll get a quote that’s based on how you actually drive.
We see insurance companies rolling telematics out on a pretty large scale in the next few years.
The upside? If you drive like a grandma, you’ll save money.
The downside? All those grand theft auto wannabes on the 401 will get pinged with super high premiums.
So if you’re confident that you’re a careful driver, telematics could be good news.
But it’s no secret that with telematics, insurance companies are trying to get data on you to make more money.
Still got questions? Read more about telematics in our in-depth blog. Or, give us a call.
What does good car insurance protect me from?
So, what even is good car insurance? Welp, good is in the eye of the beholder.
But let’s put it this way – ever total a car? Yeah, it sucks.
Have you ever totaled a car and had to shell out a ton of cash because you’re not properly covered?
That’s a bad car insurance policy.
Good car insurance coverage should be customised to your specific insurance needs.
And the car insurance quote you’ll get depends on your driving and claims history, the make and model of your car, its mileage and safety rating, plus a few other factors.
Here are the different car insurance coverages to include in your policy:
Mandatory coverages:
- Third party liability: Provides coverage if someone is injured and you’re at fault.
- Statutory accident benefits coverage: Pays for expenses for injuries caused by a car accident.
- Uninsured automobile coverage: Covers you in an accident where the driver responsible doesn’t have insurance.
- Direct compensation – property damage insurance: Provides coverage if you’re in a car accident that you didn’t cause.
Additional coverages:
- Collision: Covers accidents that you’re found responsible for.
- Comprehensive: Covers fire, theft, vandalism, and glass breakage.
If you’re unsure about which coverage will best protect you, just give us a call.
I got in a car accident in Ontario, what do I do?
After being in a car accident, the first thing you should do is report it (if applicable).
The second thing to do is assess the level of damage.
If the damage is around the same amount as your deductible, or you can afford to pay out of pocket, making a claim might not be worth it.
Example: You got into a fender bender by running into your own garage. It happens. No judgement.
But it’s probably not worth making a claim. This is because making an insurance claim will affect your car insurance premium.
On the other hand, if you find the damage is worth claiming for, report the accident and contact your insurance provider as soon as possible.
Seven days is usually the deadline with most companies, but double-check with your broker or insurance company.
To do this, make sure you have the following on hand:
- Your driver’s licence
- Your vehicle registration
- Any photos taken of the damage
The next steps are to give the details of the accident to your insurance provider, get an estimate for damages, and choose where you want your vehicle to be repaired.
Looking for a car insurance broker in Ottawa? Give us a call.
What is the average car insurance cost in Ottawa?
The average car insurance cost in Ottawa, Ontario is about $1528 a year.
So that’ll cost you around $127 a month give or take, depending on a few factors.
They include your driving history (claims & traffic violations), the make and model of your car, your age, and your gender.
But if you’re a student, or you just want to be budget-conscious, there are a few things you can do to lower your average monthly car insurance payments.
For example, you can increase your deductible, drive responsibly, and make your payments on time.
If you want an exact figure on your car insurance, the best thing to do is get a quote.
We can help with that, plus find you more ways to save.
Looking for an Ottawa car insurance broker?
What are the 4 types of mandatory car insurance in Ontario?
It’s mandatory to have car insurance in Ontario, and you have to carry at least $200k of coverage at minimum.
If you bought a new car, or just moved to Ontario, you’ll want to get a few key types of car insurance to make sure you’re covered.
Here are the types of car insurance coverage you must have in Ottawa, Ontario:
- Third party liability: Covers you in the event that you’re found to be at fault for property damage, injury, or death.
- Statutory accident benefits coverage: Includes (but not limited to) coverage for income replacement, medical and rehabilitation, and death and funeral expenses.
- Uninsured automobile coverage: Covers you for damages caused by a driver that doesn’t have car insurance.
- Direct compensation – property damage insurance (DC-PC): Provides coverage if your vehicle is damaged in an accident you didn’t cause.
It’s important to ask your broker or insurance company exactly what your policy covers.
That way you can avoid any surprises if you’re involved in a car accident and need to make a claim.
Ready to get a car insurance quote? Give our Ottawa insurance brokers a call.
Which insurance is best for cars in Ontario?
Again, it comes down to finding the best car insurance company for you and your vehicle.
The best way to find the cheapest car insurance in Ottawa (with the best coverage possible), is to shop around with multiple companies.
Here are a few companies you can get auto insurance quotes from:
- Economical Insurance
- Intact Insurance
- Belair
- Desjardins
A car insurance broker can do the leg work for you by assessing your vehicle, as well as your driving and claims history to get you a custom quote.
Ready to get yourself some car insurance? Get in touch with our Ottawa car insurance brokers.
What do insurance companies not want you to know
Here’s something. Ever heard of telematics? Yeah, no, probably not.
Telematics are shiny new GPS tracking systems that insurance companies are trying to get people on board with.
Basically they’re apps that log your driving behaviour on the road.
This gives a more accurate picture of you as a driver, so insurance companies can adjust your car insurance premium to reflect that.
So, instead of your premium being grouped in with a bunch of Millennials because you were born in 1992, you’ll get a quote that’s based on how you actually drive.
We see insurance companies rolling telematics out on a pretty large scale in the next few years.
The upside? If you drive like a grandma, you’ll save money.
The downside? All those grand theft auto wannabes on the 401 will get pinged with super high premiums.
So if you’re confident that you’re a careful driver, telematics could be good news.
But it’s no secret that with telematics, insurance companies are trying to get data on you to make more money.
Still got questions? Read more about telematics in our in-depth blog. Or, give us a call.
Which car has the cheapest insurance in Ottawa?
It’s true. The make and model of your car can affect your car insurance premium.
BUT the biggest difference-maker is your driving and claims history. So keep driving like a saint, and you’ll keep your car insurance cheap.
That said, if you’re heading to the dealership and you want to keep your premiums as low as possible, it’s a good to keep the below list in mind:
- Reliability
- Mileage
- Safety
- Additional features: The more expensive your car is to repair, the higher your premium.
- Pro tip: Your driving record and claims history is still the biggest contributing factor to your car insurance premium.
Since each car has a separate driving, reliability and mileage, premiums are determined on a case by case basis.
But generally speaking, your Honda will have a lower rate than your Ferrari (unfortunately).
If you want a custom assessment of your car based on the above factors, the best thing to do is to get a quote from us.
Let’s save you money on car insurance.
What does good car insurance protect me from?
So, what even is good car insurance? Welp, good is in the eye of the beholder.
But let’s put it this way – ever total a car? Yeah, it sucks.
Have you ever totaled a car and had to shell out a ton of cash because you’re not properly covered?
That’s a bad car insurance policy.
Good car insurance coverage should be customised to your specific insurance needs.
And the car insurance quote you’ll get depends on your driving and claims history, the make and model of your car, its mileage and safety rating, plus a few other factors.
Here are the different car insurance coverages to include in your policy:
Mandatory coverages:
- Third party liability: Provides coverage if someone is injured and you’re at fault.
- Statutory accident benefits coverage: Pays for expenses for injuries caused by a car accident.
- Uninsured automobile coverage: Covers you in an accident where the driver responsible doesn’t have insurance.
- Direct compensation – property damage insurance: Provides coverage if you’re in a car accident that you didn’t cause.
Additional coverages:
- Collision: Covers accidents that you’re found responsible for.
- Comprehensive: Covers fire, theft, vandalism, and glass breakage.
If you’re unsure about which coverage will best protect you, just give us a call.
How can I make my Ontario car insurance cheaper?
Unless you’re ripping around like Dom Toretto, getting cheap Ontario car insurance is actually pretty simple.
Here are 4 ways to do it:
- Drive responsibly: If you drive like an old lady, you’re probably in the clear. Slow and steady wins the race in car insurance. The cleaner your driving record, the lower your insurance premium.
- Raise your deductible: The standard deductible is usually around $500, but in our humble opinion, should be closer to $1000. This is because it’ll lower your monthly insurance rate. So keep a rainy day fund on hand if you do need to pay the deductible, but aside from that you’ll be saving money month over month.
- Don’t miss payments. You can automate your payments so that you never miss a bill, and your payment history stays squeaky clean.
- Shop the market: Last but definitely not least, shop around for lower rates. A broker can do this for you, which saves you time and money. At KBD, we don’t charge car insurance clients a broker’s fee, so you get this service for free.
I got in a car accident in Ontario, what do I do?
After being in a car accident, the first thing you should do is report it (if applicable).
The second thing to do is assess the level of damage.
If the damage is around the same amount as your deductible, or you can afford to pay out of pocket, making a claim might not be worth it.
Example: You got into a fender bender by running into your own garage. It happens. No judgement.
But it’s probably not worth making a claim. This is because making an insurance claim will affect your car insurance premium.
On the other hand, if you find the damage is worth claiming for, report the accident and contact your insurance provider as soon as possible.
Seven days is usually the deadline with most companies, but double-check with your broker or insurance company.
To do this, make sure you have the following on hand:
- Your driver’s licence
- Your vehicle registration
- Any photos taken of the damage
The next steps are to give the details of the accident to your insurance provider, get an estimate for damages, and choose where you want your vehicle to be repaired.
Looking for a car insurance broker in Ottawa? Give us a call.