Get the Best Car Insurance in Ottawa from Your Trusted Community Insurance Brokers
With a broad range of fully customizable auto insurance plans, Oegema, Nicholson & Associates Ottawa can help you find the perfect coverage.
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Auto Insurance Requirements in Ottawa, Ontario
Mandatory Coverage
In Ontario, individuals are required to carry the following:
- Liability – Liability coverage can protect you from damage to property or bodily damage you’ve caused during an accident. In Ontario, the minimum coverage limit is $200,000 but at Oegema, Nicholson & Associates we recommend everyone carry $2,000,000 in coverage.
- Direct Compensation –Ontario has what is known as no-fault insurance. This means that even if you are not at fault for an accident, your insurer is who will look after your claim.
- Accident Benefits – Basic accident benefits are included with your automobile policy, with many options to increase coverages
- Uninsured Motorists – Because some drivers in Ontario do not carry insurance, a portion of your own insurance premiums provides some protection in the event you are involved in an accident with an uninsured driver.
Optional Coverages
- Collision Coverage – This coverage can protect you in the case of an accident where you are deemed to be at fault.
- Comprehensive Coverage – This type of coverage includes glass repairs and protection from fire, theft, vandalism, falling objects, and collisions with animals.
Additional Coverage Options
- Loss of Use (Transportation Replacement): This coverage is used to rent a car while your vehicle is undergoing repairs.
- Limited Waiver of Depreciation (OPCF 43): A limited waiver of depreciation removes the insurance company’s right to deduct depreciation from the value of your vehicle for loss or theft claim. These waivers typically last for 24 months after the purchase or lease of a brand new vehicle.
- Liability for Damage to Non-Owned Automobile(s) and Providing Other Coverages When Insured Persons Drive Other Automobiles (OPCF 27): This additional coverage extends to protection to non-owned vehicles you may drive, like rental cars or borrowed vehicles.
- Accident Waiver/Accident Protection Endorsement: This additional coverage protects you from premium increase after your first at-fault accident.
Additional Auto Insurance Coverage
Accident Benefits Coverage
When you, your passengers or a pedestrian is injured or killed in a car accident, Accident Benefits Coverage compensates the affected parties for rehabilitation treatment, income loss, funeral costs, and other services required during the recovery period.
Direct Compensation Property Damage Insurance
If you’re involved in a car accident in Ontario and the fault is not yours, this coverage can compensate you directly for any damages to your car so you do not have to wait to hear from the other party’s insurance company to process your claim.
Third-Party Liability Coverage
This is the most common type of car insurance in Ottawa. If you are deemed responsible for a car accident resulting in injury, property damage, car repairs, or death, this coverage ensures you are protected financially.
How to Lower Your Car Insurance Costs in Ottawa
Have a Conviction-Free Record
Car insurance rates are often tied to your driving record. And the fewer driving infractions you have, the better rates you are likely to receive. If you have multiple speeding tickets, for example, it could impact your insurance rates. But, if you have been charged with driving offences like DUIs, distracted driving, racing, or failure to report or remain at an accident, you are likely to pay higher premiums or be denied coverage completely.
Bundle Your Insurance
By bundling your car and home insurance with us, you can save money while simplifying your payments. Plus, bundling multiple policies with Oegema, Nicholson can lead to even better rates.
Winter Tires
Ontario winters can create significant road hazards that increase the chances of automobile accidents. By installing winter tires, you can improve your safety, the safety of other drivers, AND save up to 5% on your car insurance.
Why Choose Us for Your Car Insurance in Ottawa?
With millions of cars on the road, Ottawa residents should protect themselves and their passengers with proper car insurance coverage.
As your privately owned, local insurance providers, we understand the hazards faced by Ottawa drivers and can find coverage that meets your specific needs.
Here’s why we’re trusted in the community:
Years of Expertise
Oegema, Nicholson & Associates has years of experience supporting your driving habits and your lifestyle. We know that no two drivers are alike and provide coverage options that are specific to you.
Our team is proud to work with you to assess your driving habits, your car usage, driving history, and that of anyone else you are insuring. We will always provide several affordable insurance coverage options, giving you the choice you deserve.
Customer Satisfaction
Our client-focused approach ensures that you and your passengers are protected from financial hardships in the event of a car accident or related injury. Your coverage is our top priority.
What Our Clients Are Saying
Real stories from people who trust
Oegema, Nicholson & Associates Insurance
“One call to Oegema, Nicholson & Associates is all it took. After our basement flooded, within a day or two they had a crew cleaning everything up, taking down the drywall and itemizing everything to be cleaned, thrown out or restored. They had everything in place for us in a timely manner and were extremely patient with me as they talked me through the process and waited for me to make decisions.”
Jennifer Parks, Stittsville, Ontario
“I’ve been dealing with ONA for over 20 years with my personal insurance, as well as our commercial insurance, and I know I can rely on them for great customer service, and prompt responses. I feel confident not only referring them to my employees, but to our customers as well.”
Charlene Brunet, Butler Group of Company
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