Get Started With A Quote In 30 Seconds
Why Choose Ostic Group For Your Car Insurance Coverage
1. Your Partners in the Community
At the Ostic Group, our team is proud to call our communities home. Our customers are our family, friends, and neighbours. To show our support we sponsor and actively participate in various events held in Guelph, Elora, Fergus, Shelburne, and the surrounding communities.
2. Access to All the Best Providers
Our team partners with the best auto insurance providers in the province of Ontario to offer you the coverage you need, at competitive prices. There are no limits to your choice of provider. At the Ostic Group, we shop around to find you the right fit.
3. Personalized Car Insurance Coverage
With the Ostic Group, you get exactly what you need out of your car insurance coverage. All of our auto insurance policies are tailor-made to your unique circumstances. This helps us to find you the lowest rates on the market and a comprehensive plan to fit your lifestyle.
What Our Customers Have to Say
What’s Included in Our Auto Insurance Policies
At the Ostic Group, it’s our goal to provide auto 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.
When you are in need, there is nothing better than knowing someone is on your side. That’s why we offer a 24/7 claim service. Whether it is 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.
We give you the coverage and confidence you need to hit the roads. 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.
For discounts on car insurance in Guelph, combine all the auto insurance needs for your household with one insurance broker from Ostic Group.
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 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 number.
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.
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.
Frequently 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 should always carry a copy of your auto or car insurance policy in your vehicle.
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 want 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
New Stunt Driving Charges in Ontario
Stunt driving can have serious consequences. Not only does stunt driving endanger you, other vehicles, and bystanders, but now it carries greater penalties than ever before. The Highway Traffic Act (HTA) was recently updated with tighter sanctions on stunt driving...
Read MoreDo Parking Tickets Affect Insurance in Ontario?
Do Parking Tickets Affect Insurance in Ontario? Nobody likes to walk back to their vehicle to find a parking ticket stuck to the windshield. However, it is an inconvenience that many of us have had to face. If you have...
Read MoreAuto Insurance: FAQs & Myths
Our team gets asked a lot of different questions about auto insurance, and often what people thought was true, was actually a myth. At Ostic, we want our customers to understand their auto insurance, so we’ve put together our top...
Read More