Guelph auto insurance: compare quotes
100 km west of Toronto lies Guelph, a mid-sized Ontario city with a population of 131,794 (2016 census). Known as an exceptionally safe city with some of the country’s lowest unemployment rates, Guelph’s strong economy is due largely to its diverse lineup of industries, including manufacturing, education, agriculture, environmental management, and scientific research. Located at the juncture of Highway 124, Highway 6, and Highway 7 — and just north of Highway 401 — Guelph drivers are no strangers to highway driving and require coverage that keeps them safe on the roads without breaking the bank. Guelph drivers can rely on Surex to find the best auto insurance from the country’s leading providers.
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At Surex, our three-step process will ensure that you end up with the best car insurance available in Guelph. Here’s how it works:
Personalized insurance quotes: Surex will capture some of your basic information — either by phone or online — and then shop the market for you. In under 10 minutes, you’ll have up to 10 personalized insurance offers to choose from.
Customize your offers. Once you receive the initial quote, you can edit your information and compare quotes to find the best overall value.
Purchase and manage 24/7. Once you’ve selected a quote & reviewed the policy with your dedicated assistant, you can electronically sign documents to receive an instant proof of insurance. If you’d rather speak with 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 documents will arrive in the mail and you can manage your 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. 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 auto 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 insurance provider, take a few minutes to find the best 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 your Dedicated Insurance Assistant 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%.
- Riverside Park
- Eramosa River Park
- Hanlon Creek Park
- Stone Road Mall
- Old Quebec Street Shoppes
- SmartCentres Guelph
- Basilica of Our Lady Immaculate
- Guelph Civic Museum
- Riverside Park
Questions to ask your Personal Insurance Assistant:
The amount you pay for car insurance 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. Insurance companies 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 insurance claim, the lower your auto insurance will be.
Car insurance premiums can be expensive, but luckily there are a number of ways you can lower your 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 installments).
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 and cover you for incidents extending beyond accident-related incidents.
The most obvious reason your auto insurance rates 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 your auto insurance company increases their rates across the board.
It depends. If you declined to add Collision coverage to your auto insurance policy, 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 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.