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Car Insurance Guelph

Multiple Car Insurance Quotes + a Real Person To Help You Along The Way

Save up to 25% on affordable car insurance in Guelph when you shop with Surex

Guelph is much more than a university town; it’s home to a number of bustling industries, unique residents and interesting attractions. All of this, along with the low unemployment rate, make Guelph a great place to live and raise a family. The city of Guelph is near the juncture of Highway 124, Highway 6 and Highway 7. In order to access these highways you need to have a valid driver’s licence and car insurance in Guelph.

Finding affordable car insurance in Guelph isn’t as difficult as you might think, especially when you get insurance online with a Surex insurance advisor. Our advisors are happy to answer all of your questions and help you compare car insurance quotes from the top rated car insurance companies in Ontario that cover Guelph. Call or click today to start saving up to 25% on coverage.

Comparing rates from Canada’s leading Auto insurance providers
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Jevco Insurance
Types of Coverage That Surex Provides Drivers in Guelph
Third Party Liability Coverage

This coverage relates to the replacement/fix cost of the other vehicle or property if you’re involved in an at-fault accident.

Comprehensive Coverage

This coverage protects your vehicle from damage that doesn’t happen in an accident. Theft coverage is also here.

Collision Coverage

If you’re involved in an at-fault accident, his coverage covers the replacement/fix cost for your vehicle.

Accident Forgiveness

If you have a great driving record, some insurers will be willing to offer you accident forgiveness.

Windshield Coverage

If you want coverage for the windows of your car, it would be found here. Windshield will include an annual fee and a small deductible amount.

Car Rental Coverage

You can have your car insurance coverage extend to protect you while driving a rental vehicle.

Depreciation Coverage

This coverage provides you the replacement value of the car that has been damaged. Depreciation is not subtracted from the value of the item.

Family protection

Based on coverage, it protects you or a family member if injured or killed in an accident caused by an uninsured/underinsured motorist.

Car Insurance in Guelph - What You Need to Know

At Surex, our three-step process will ensure that you end up with the best car insurance in Guelph. Here’s how it works:

  • Personalized insurance auto insurance quote: Surex will capture some of your basic information — either by phone or online — and then shop the market for you. In under ten minutes, you’ll have up to ten personalized insurance offers to choose from.
  • Customize your offers: Once you receive the online car insurance quote, you can edit your information, compare insurance companies and compare quotes to find the best overall value.
  • Purchase and manage 24/7: Once you’ve selected automobile insurance quote from and online auto insurance company and reviewed the insurance policy with your dedicated insurance broker, you can electronically sign documents to receive an instant proof of insurance. If you’d rather speak with someone we will connect you with a Dedicated Personal Assistant to walk you through all the options and answer any questions you might have. Once finished, your Ontario automobile insurance documents will arrive in the mail and you can manage your insurance policy 24/7 with our ‘My Surex’ login feature.

Highway safety: Guelph is surrounded by a networking of highways, including Highway 401, Highway 124, Highway 6, and Highway 7. If you’re using any of the major arteries around the city, you need to be extra vigilant. Always leave yourself extra time, plan your route in advance, avoid distractions, and be ready for fast-moving traffic and challenging driving conditions. 

Student drivers: Many students live and drive in the Guelph area, whether they’re from the University of Guelph or nearby post-secondary schools in Kitchener and Waterloo. Always look out for young drivers and students on foot or bicycle, and give them as much space as possible. 

Mind the construction: Like with many growing Ontario cities, Guelph drivers have to deal with ongoing construction throughout the city. Drive cautiously around construction workers and be mindful when navigating closed routes, detours, and narrowed lanes. 

Be winter-ready: Guelph winters can be unforgiving and can last up to five months in length. Prepare your vehicle for challenging driving conditions by installing winter tires, keeping an emergency kit on hand, never letting your gas tank go below half full, always keeping your smartphone charged, carrying a snow scraper, and using winter-rated windshield fluid. 

Enroll in a safe driving course: By successfully completing a safe driving course, you not only lower your chances of being involved in an accident, you also lower your auto insurance premiums in Guelph. New drivers who produce a recognized safe driving certificate can expect to see auto insurance savings of $1,000-$1,500 per year, for their first three years of being insured on the road. 

Shop around: By comparing your automobile insurance options online, you’re opening yourself up to different rates, different discounts, and a range of Canada’s leading insurance providers. So instead of blindly auto-renewing with your current auto insurance company, take a few minutes to find the best insurance coverage available at the best price possible. And remember to get an updated auto quote every year, prior to renewal. 

Ask about discounts: There are a range of available auto insurance discounts that many drivers are unaware of, including ‘Good Student Discount,’ ‘Green Vehicle Discount,’ ‘Driver Training Discount,’ ‘Accident-Free Discount,’ and ‘Early Renewal Discount.’ Always ask the best insurance broker what car insurance coverages are right for you and what discounts you qualify for. 

Consider telematics: In some cases, auto insurance providers will offer drivers discounts on their auto insurance premiums if they agree to participate in telematics programs. Telematics programs — also called Usage-Based Insurance — automatically track driving behaviour by outfitting vehicles with small digital devices that measure a series of factors, such as speed, brake usage, mileage, trip distance, and driving smoothness. Safe drivers are rewarded with insurance discounts of up to 30%. 

My broker is Jessica. Any time I've had a question she is prompt with an answer. Jessica is an excellent and dedicated hard worker. 100% would recommend.

Roy C. — Guelph, ON
Things to do in Guelph
  1. Riverside Park
  2. Eramosa River Park
  3. Hanlon Creek Park
Best Shopping Sites in Guelph
  1. Stone Road Mall
  2. Old Quebec Street Shoppes
  3. SmartCentres Guelph
Best Sights and Landmarks Guelph
  1. Basilica of Our Lady Immaculate
  2. Guelph Civic Museum
  3. Riverside Park

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Karen

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Do you have questions about car insurance in Guelph?

The amount you pay for car insurance in Guelph depends on many factors, including age, sex, where you live, your driving record, your vehicle make and model, your criminal record, and your credit score. the top rated car insurance companies in Ontario look at these factors to determine the likelihood that you will make a claim, and therefore how much of a financial risk you represent to their business. The less likely you are deemed to file an online insurance claim, the lower your auto insurance will be.

Car insurance premiums in Guelph can be expensive, but luckily there are a number of ways you can get low cost auto insurance rates, such as shopping around online to find a cheap policy, lowering the number of kilometres you drive each year, keeping a clean driving record, completing a recognized safe driving course, requesting to pay higher deductibles, and paying your annual premium all at once (instead of in monthly instalments).

It depends on the nature of your car insurance policy. Certain types of car insurance coverages are mandatory for all drivers, such as Third Party Liability, which pays for injuries and property damage to another party in the event of an accident in which you — the policyholder — are deemed to be responsible for (i.e. at-fault accident). On the other hand, there are many car insurance coverages, including Collision and Comprehensive, which are non-mandatory types of car insurance in Guelph and cover you for incidents extending beyond accident-related incidents. 

The most obvious reason your auto insurance rates in Guelph would increase is due to filing a claim, but that’s not the only reason. Your car insurance rates could also go up if you move into a more high-risk neighbourhood, if you purchase a new vehicle that is deemed more likely to result in a claim or is more expensive to repair or replace, if your driver’s license has been suspended, if you add an additional driver to your policy, or if the top rated car insurance companies in Ontario their rates across the board.

It depends. If you declined to add Collision coverage to your auto insurance coverage in Guelph, you would not be covered for hit and run damage, and you would need to pay for the repairs out-of-pocket. On the other hand, if you do have Collision coverage, you will be covered for hit and run damage, even if you are unable to identify the culprit. However, in order to collect an insurance payout for a hit and run incident, you will be responsible for paying the deductible.

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