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Thunder Bay Car Insurance

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Car insurance = safety and protection

Thunder Bay, also known as the sleeping giant, has a population of just over 100,000 residents. It is situated on Lake Superior, in Northwestern Ontario. The Trans Canada Highway runs through the city to Winnipeg (in the west) and Sault Ste Marie (in the east). It’s a quick 45-minute drive south to the US border (Pigeon River border crossing) that connects to the Midwest via Duluth, MN. The geographical location of Thunder Bay makes the city a major crossroad for travelers, thus earning it the nickname of “Canada’s Gateway to the West”.

When you own a car, getting auto insurance is mandatory by law across Canada. Whether you're commuting to work every day, or just using your vehicle to run weekly errands, you need car insurance. It protects you (the driver), your passengers, and pedestrians in the event of an accident. So, before you get behind the wheel talk to your Surex Advisor who can help you get on the road today!

Comparing rates from Canada's leading Auto Insurance Providers
Wawanesa Insurance
Pembridge Insurance
Intact Insurance
Jevco Insurance

Questions to ask your Dedicated Insurance Assistant:

Yes, all Ontario drivers including drivers in Thunder Bay are required by the Financial Services Commission of Ontario (FSCO) to have a minimum of $200,000 worth of Third Party Liability Coverage, Statutory Accident Benefits Coverage, Uninsured Automobile Coverage, and Direct Compensation & Property Damage Coverage.

There are three types of car coverage in Canada. 

  • Collision car insurance: coverage for when you and another car or stationary object collide to cover the cost of the repair. 
  • Comprehensive car insurance: provides coverage for hitting an animal, fire, theft, vandalism, flood.

Liability car insurance: is required, by law, for all drivers. This insurance protects others from damages caused while you are driving, including property damage, bodily injury, and death.

Car insurance policies are offered by personal lines insurance providers across Canada. Contact an insurance broker so they can provide you with a quote from leading insurance providers so you can compare prices and coverage!

Car insurance in Thunder Bay is an agreement between customers and insurance providers that commits to protecting against financial losses in the case of a car accident or automobile theft.

Top things to do in Thunder Bay
  1. Fort William Historical Park
  2. Kakabeka Falls
  3. Loch Lomond Ski Area
Top landmarks Thunder Bay
  1. Centennial Park
  2. Mount McKay
  3. Hillcrest Park
Top shopping sites Thunder Bay
  1. Thunder Bay Centre
  2. Intercity Shopping Centre
  3. Thunder Centre

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Frequently Asked Questions About Car Insurance in Thunder Bay

The average cost of car insurance in Thunder Bay is approximately $1,900 per year for 2021, an increase of over $700 from the 2020 average. 

Drivers should shop around online to get the best car insurance rate possible in Thunder Bay. Getting a free car insurance quote at an online insurance brokerage like Surex will allow you to speak to a dedicated insurance advisor to see which discounts you qualify for.

Various factors affect car insurance rates, including the amount you drive, your driving history, the state of the vehicle, your coverage, as well as your deductibles.

Drivers must provide a few documents for their car insurance in Thunder Bay. These include a valid driver’s license, proof of driver’s education training (if completed), vehicle registration, driving history (obtained through Service Ontario), license plate number, current car insurance policy, which drivers will use the vehicle, and payment information. 

Insurance companies send a renewal notice in the mail or online when policies come close to expiration. Policies will have 30 days before they expire, at which point customers can decide to renew or switch up their policies.

The cheapest car insurance provider will depend on every customer’s unique situation. Every company has their own formula, meaning some criteria like driving record or age may weigh more than others. It’s a good idea to compare rates from various insurers with Surex so that licensed insurance advisors can shop the market for you.

You can contact your assigned Surex broker/advisor or contact the insurance company directly. Make sure you have your policy # and details of the claim prepare when you call.

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