It’s hard to know what type of coverage you need, and even harder to find a company that offers a policy that is tailored specifically to your needs.
We don’t believe in “one size fits all” car insurance so we work with you to find the right policy at the right price. As your local auto insurance brokerage, we have a range of personal auto insurance options to help you find the perfect coverage for you.
Whether you’re an experienced driver, or you’re new to the road, we want to make sure you are getting the best deal for your needs, but also that you are fully covered in case of an accident.
What Our Customers Have to Say
Why Choose Us?
Save Time
Get competitive rates without having to spend hours researching on your own.
Get Better Service
Say goodbye to call centers. Get the ease of dealing with an all-in-one brokerage without sacrificing customer service.
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Strengthen local businesses and give back to the community you live in.
What We Need to Provide a Car Insurance Quote
In order 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 kilometers 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 that will fit your lifestyle and keep your family safe. Through every season of life, The Ostic Group is here to protect the Guelph, Shelburne, Elora, and Fergus communities with comprehensive auto insurance policies.
What’s Included in Our Auto Insurance Policies
At the Ostic Group, our goal is to provide insurance packages that are customized to your lifestyle. We couple this with best-in-class rates and a team that truly cares about the people and community they work with.
Support When You Need Us
There is nothing better than knowing someone is on your side. That’s why we offer a 24/7 claim service. Whether it be for roadside assistance or to report the unfortunate event of an accident — the Ostic Group is there. We will quickly and efficiently guide you through the claims process, to ensure your claim reaches the best outcome possible.
Confidence on the Road
We give you the coverage you need to hit the road with confidence. In Ontario, all drivers are required to carry third-party liability insurance, accident benefits coverage, direct compensation property damage (DCPD), and uninsured motorist insurance.
We build our auto insurance packages around these essential coverages and add additional coverage options based on your expected use. Other types of coverage include collision, comprehensive, loss of use and waiver of depreciation.
Combined Savings
For discounts on car insurance in Guelph, combine all the auto insurance needs for your household with one insurance broker from Ostic Group.
We’ll Help You Figure Out How Much Auto Coverage You Need
Deciding on the right auto insurance coverage can be overwhelming. You might not know what each type of coverage means, what you need, or even how much coverage you should have.
We’re here to help. 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.
A typical auto insurance policy includes:
Liability Coverage
Should an accident occur where you are deemed responsible, liability coverage describes what is covered when the other party is injured, passes away, and/or their property is damaged.
Accident Benefits
Accident benefits coverage on your own policy protects you for injuries sustained in a car accident, regardless of who is determined to be at fault.
Uninsured/Underinsured Driver Protection
This coverage provides protection should you be in an accident where the other party is uninsured, underinsured or unidentified (such as in a hit and run).
Collision Protection
Collision coverage is there to repair damage to your own vehicle following an accident where you are deemed to be at fault or partially at fault. This could mean hitting another car, or another object.
This coverage is also what is needed for repairs to your vehicle if you experience a “hit and run”. Since the other driver is not known, your own collision coverage comes into effect and protects your vehicle.
Comprehensive Coverage
Most common comprehensive auto claims include things such as fire, theft and vandalism. Broken windshields, collisions with an animal and damage caused by weather are also examples of protection under this optional coverage.
Each province has minimum car insurance coverage requirements. Ontario’s minimums are a starting point for determining coverage, but often they’re too low to sufficiently cover you in the event of a major accident.
Waiver of Depreciation
A waiver of depreciation is optional insurance coverage that you can purchase in your car insurance policy. It essentially means that, in the event your car is totalled in an accident, your insurance company will reimburse you for the full value of your car, rather than depreciating it based on its age and mileage. This coverage can be especially beneficial if you have a newer car or one that has high resale value.
Not all insurance companies offer a waiver of depreciation and the ones that do typically only offer it on newer cars. If you’re interested in this coverage, it’s best to speak to one of our insurance professionals to see if it is right for you.
More Than Just Car Insurance
At the Ostic Group, we believe that personal auto insurance should cover more than just your standard car. With so many seasonal and pleasure vehicles available today, it only makes sense that you have the best insurance options available to cover them.
Here are some of the options available for car insurance in Ontario:
Antique And Classic Car Insurance
Antique and classic vehicles require special care and attention — and that’s why we partner with Hagerty to offer personal auto insurance that is specific to antique and classic automobiles.
Get coverage for a wide range of vehicles, including nickel-era cars, antique tractors, modern classics, exotic vehicles, military vehicles, and more.
ATV Insurance
All-terrain vehicles, quads, or four-wheelers are popular vehicles for both leisure and work purposes.
When looking for ATV insurance, it’s important to find the insurance rating that is best suited to the type of ATV. Choose from recreational, utility, heavy duty, sport, and more types of ATV insurance in Ontario today.
RV Insurance
Recreational vehicles (RVs) like motorhomes and trailers are popular choices for people looking to travel in the comfort of their own vehicles.
Choose from a selection of insurance ratings, including fifth-wheel trailers, travel trailers, tent trailers, and more. Get RV insurance in Ontario and start your roadtrip today.
Commercial Auto Insurance
If you own a business, a personal auto insurance policy may not suffice. Get appropriate coverage to protect you, your business and your employees.
From retail and wholesale delivery to long-haul trucking and fleet ratings, we can help you to develop the best commercial auto insurance program for your business needs.
Personal Auto Insurance Videos
Does a Red Car Change My Insurance Rate?
Watch Justin's video to learn the answer. For a more comprehensive understanding of your auto insurance policy, get in touch.
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Read MoreDoes an Older Vehicle Change my Insurance Rate?
Watch Jessica's video to learn the answer. https://youtu.be/D3QbVmpIhhM?list=PLyyQdOD5j-0a6bUv_3q3tiyAfElIvLuPE
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. You will need to 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 what coverage or optional rating is 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
Auto Insurance for New Drivers: What to Expect and How to Get Started
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Vehicle theft has reached a crisis level in Canada and internationally, with the Canadian property and casualty (P&C) industry paying out $1.2 billion in auto theft claims in 2022 alone. With economic uncertainty here now and continuing to loom on...
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What seems like a straightforward question like "What Tickets Affect My Auto Insurance Premiums" can be somewhat complicated to answer. Varying types and degrees of severity of tickets and the diverse, but regulated, auto insurance company rules can change the...
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