Find the Right Car Insurance—Without the Confusion
Buying car insurance in Fergus can feel overwhelming. With so many coverage options and providers, it’s hard to know where to start. But getting the right policy at the right price doesn’t have to be complicated.
At The Ostic Group, we make auto insurance simple. As your local insurance broker, we help you find the best coverage for your needs—so you can drive confidently, knowing you’re protected.
What Our Customers Have to Say
Why Fergus Homeowners Choose The Ostic Group
1. Local Experts Who Care
Our team lives and works in Fergus. We’re not just your insurance provider—we’re your neighbours. We actively support and sponsor community events, giving back to the place we call home.
2. Access to Leading Insurance Providers
We work with top auto insurance providers across Ontario to find the best coverage at competitive rates. There is no need to shop around—we do the work for you.
3. Tailored Coverage That Fits Your Needs
No two autos—or drivers—are the same. That’s why we customize every policy to match your specific situation, helping you secure the best coverage at the best price.
What We Need to Provide a Car Insurance Quote
To provide an accurate quote for the cost of your auto insurance, you will need to provide us with the following information:
- The full address of your residence, including your postal code.
- The year, make, model, and serial number of your vehicle(s).
- The current use of each vehicle, including distance driven to work (if any), annual kilometres driven, and any business use of the vehicle.
- A list of all drivers in the household, including their driver’s license numbers.
We look forward to helping you secure the auto insurance policy to fit your lifestyle and keep your family safe. Through every season of life, The Ostic Group is here to protect the Fergus community with comprehensive auto insurance policies.
Comprehensive Auto Insurance in Fergus
Our many auto insurance protections include, but are not limited to:
- Liability Coverage – Protects you if you’re at fault in an accident that causes injury or property damage.
- Accident Benefits – Covers medical expenses, lost income, and rehab costs after a collision, regardless of fault.
- Uninsured/Underinsured Driver Protection – Coverage if you’re hit by an uninsured driver or involved in a hit-and-run.
- Collision Protection – Pays for repairs or replacement of your vehicle after an at-fault accident.
- Comprehensive Coverage – Covers fire, theft, vandalism, windshield damage, and weather-related incidents.
- Waiver of Depreciation — This policy ensures you receive the full value of your new vehicle if it’s totalled in an accident.
Our team of professionals will take the time to walk you through each type of coverage and help you find the best protection for your needs.
Save More with Auto Insurance Discounts in Fergus
- Claims-Free Discount – Lower rates for safe drivers with no recent claims.
- Multi-Policy Discount – Bundle home and auto insurance to save more.
- Multi-Vehicle Discount – Insure multiple vehicles under one policy.
- Anti-Theft & Safety Features – Discounts for security systems and anti-theft devices.
- Loyalty & Renewal Savings – Rewards for long-term customers.
More Than Just Car Insurance
At The Ostic Group, we offer insurance for all types of vehicles, ensuring you’re covered—no matter what you drive.
Here are some of the options available for car insurance in Fergus:
Antique And Classic Car Insurance
Specialized coverage for collectible and vintage vehicles.
Personal Auto Insurance Videos
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Read MoreFrequently Asked Questions About Personal Auto Insurance
Why is personal auto insurance important in Canada?
Personal auto insurance is important because it protects you if you accidentally cause damage to other vehicles or property, or if you injure other drivers, passengers, or pedestrians.
Personal auto insurance is also required by law across Canada. As a driver in Ontario, you are legally responsible for being insured against your liability. Keep your vehicle ownership and pink slip (proof of insurance) in your car at all times. Store your full policy at home.
What type of personal auto insurance do I need in Ontario?
Every driver in Ontario is legally required to carry a minimum amount of personal auto insurance to cover his or her liability. Read this article for more information on the legal requirements for drivers in Ontario.
Even if you carry the minimum amount, you may need more coverage to appropriately protect yourself and your vehicle. There are many types of coverage available for personal car insurance, including liability coverage, collision coverage, comprehensive coverage, accident benefits, transportation replacement, and more. To find out which coverage options or policy add-ons are right for you, contact our team of auto insurance experts today.
In addition, if you have a specific type of vehicle like an antique or classic car, you may be required to purchase specialized car insurance to cover the specific needs of your vehicle. The same is true of motorcycles and other recreational vehicles.
Here are a few of the specific insurance products that we offer for different types of vehicles:
How much coverage for personal auto insurance do I need in Ontario?
In Ontario, the mandatory auto coverage is $200,000 for third-party liability and weekly income replacement benefits of 70% of your gross income (up to $400/week). For more information on mandatory and optional coverage for auto policies, you can read on our blog on auto legislation changes in Ontario.
Although carrying the mandatory coverage is important for drivers in Ontario, this basic coverage may not be sufficient to properly protect you and your vehicle. For example, we will often recommend that you increase your liability coverage of $200,000 to $1 million or $2 million to cover the possibility of catastrophic injuries.
The best way to find out how much personal auto insurance you need is to contact our insurance team for a consultation. Our specialists will take the time to gain a complete picture of your lifestyle and your auto insurance needs, so we can match you with the right plan.
Personal Auto Insurance Blogs
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Read MoreGet the Best Auto Insurance in Fergus Today
Finding the right car insurance in Fergus doesn’t have to be stressful. The Ostic Group makes it easy, offering personalized coverage, expert advice, and competitive rates—all backed by a truly caring team.