High-Risk Car Insurance in Oakville
As Oakville’s trusted insurance brokers, we specialize in high-risk car insurance for drivers experiencing challenges securing coverage. Whether you’ve had bad luck with claims, dealt with non-payment issues, received a non-renewal notice, or had lapses in insurance, we’re here to help. Even drivers with long-term records who’ve hit a few bumps along the way can benefit from our tailored solutions.
We understand that high-risk doesn’t always mean dangerous driving, and we take the time to find the right coverage for your unique situation. With over 10 years of experience, we work hard to get you the best rates and ensure you’re fully protected on the road.
If you’ve received a non-renewal notice (usually sent by registered mail 30 days before your policy expires), Contact us right away for guidance and options. We’re here to help!
What is high-risk car insurance and how does it work?
High-risk car insurance is designed for drivers who may struggle to qualify for standard coverage due to certain risk factors. This includes drivers involved in no-fault accidents, those with a history of traffic violations like speeding or running red lights, and even individuals who have received tickets for distractions such as using a cellphone while driving. For example, In Ontario, texting, calling, or using a handheld device while driving is illegal and can result in a ticket for distracted driving. This violation can increase your premiums by 15-30% or more, cause you to lose safe driving discounts, and even lead to policy cancellation. Distracted driving is seen as a major risk factor and can make it difficult to get insurance in the future.
While high-risk insurance is tailored for situations like these, it can still offer essential protection such as liability, collision, and comprehensive coverage. It ensures that even drivers with a challenging history can stay protected on the road and meet legal requirements in case of an accident or other unexpected event.
High-Risk Auto Insurance Options in Oakville
In Oakville, high-risk car insurance options are designed to help drivers who might have trouble getting coverage with standard insurance providers. These options include:
- Non-Standard Auto Insurance: If you’ve had accidents, claims, traffic tickets or violations in the past, this type of insurance ensures you’re still covered, even if you’ve had trouble with standard insurance providers. Oftentimes, these factors are minor as well. For example, just 3 tickets could cause a standard insurance provider to cancel your insurance leaving you with no choice but to go with a high-risk car insurance option.
- Luxury & High-Performance Vehicle Insurance: Many Oakville residents drive luxury cars like BMW, Mercedes, or Audi. These vehicles often need special coverage because they’re more expensive to repair or replace, so a careful review of this type of insurance offers the right protection for those cars.
- Insurance After Non-Renewal: If your policy has been canceled or not renewed due to missed payments or lapses, we can help you find a new policy that suits your needs and keeps your car covered.
- Insurance for Young or Inexperienced Drivers: If you’re a younger driver or new to the road, we can help you find the right coverage, especially if you’re driving a luxury vehicle. We’ll work to make sure you’re covered while you gain more experience.
Whatever your situation, we’re here to help Oakville drivers find the right high-risk insurance, making sure you get the coverage you need at the best possible price.
Average Cost of High-Risk Car Insurance in Oakville
High-risk car insurance can cost anywhere between $300 and $850 a month and on annual basis $3,500 to $10,000 a year in Oakville*. The cost can depend on factors like your driving history, the type of car you own, and local driving habits. Oakville drivers can face specific challenges that could impact insurance rates.
High-risk car insurance in Oakville may cost considerably more than regular coverage as every situation is unique, but working with a knowledgeable broker can help you find the best rates and coverage options for your situation.
Speed cameras are now found in many places in Oakville and they can work automatically without some drivers realizing. This can lead to small speeding or red light tickets, which might raise your insurance premiums
*This is an estimate only. Every situation is unique, and actual costs may vary based on factors such as your car’s make, model, age, driving history, location, and coverage options.
How to Get High-Risk Auto Insurance in Oakville
Getting high-risk car insurance online is quick and easy with our brokerage. We work with leading insurers across Canada to find the best coverage for drivers who may have trouble qualifying for standard policies.
There’s no need to feel embarrassed. We’re here to make the process easy, keep you at ease, and ensure you feel understood throughout. To get started, simply request a quote online or schedule a consultation with us. After that, we’ll guide you through your options and help you find a policy that fits your needs. With our experience and network of trusted insurers, we make sure you get the right coverage at a fair price, no matter your driving background.
In many cases you can also keep everything in one place by bundling your high-risk car insurance with home, tenants or condo insurance, making it easier to manage your coverage. Our team can help you find the best solutions to protect both your home and vehicle with one convenient policy.
Bundle your Home & Auto Insurance in Oakville
Bundling your home and auto insurance is a smart way to simplify your coverage and keep everything in one place. When you work with one of our brokers, we’ll make sure both your home and car are covered under a single policy, tailored to fit your needs. It’s all about convenience and ensuring your lifestyle is fully protected without the hassle of managing multiple policies.
Whether you’re balancing a busy family, work, or travel, we make it easy to keep everything under control. Helping you find the most convenient solution is our number one priority.
Interested in bundling? Reach out today, and let’s find the right plan for you.
Call James: (647) 966-7093
Work with James to ensure you get the best car insurance policy that meets your needs. With a seasoned expert on your side, you can discuss your unique situation and he can help lay out your options. Allow us to serve as your expert car insurance providers.