Ontario Car Insurance | Elliott Insurance Services

Highlighted Available Coverages

Personal Liability

Provides coverage for you or other insured persons if someone else is killed, or injured, or their property is damaged in an automobile incident. It will pay for legitimate claims against you or other insured persons up to the limit of your coverage, and the cost of settling claims.

Collision Coverage

Covers damage when a described automobile is involved in a collision with another object/vehicle or tips over

Comprehensive Coverage

Covers a described automobile against loss or damage other than those covered by Collision or Upset, including perils listed under Specified Perils. For example, this would cover you for damage to your auto caused by fire, theft, windstorm or hail, falling or flying objects, and vandalism.

Rental Car Coverage

If you are involved in a collision, you may need access to a rental car while your vehicle is being repaired or replaced. Rental Car coverage can be added to your policy that would provide coverage for a substitute auto following an insured claim. Ask about adding this endorsement to your policy today.

Waiver of Depreciation

If you have a newer vehicle, it may be possible to add this endorsement to your policy. This endorsement effectively removes depreciation, meaning that in the event of a total loss you will receive either a payout exactly to what you paid for the auto new, or the insurance company will replace your auto with a new vehicle same make and model. This optional endorsement varies by insurer, so be sure to contact us for details or to add this to your policy.

Accident Forgiveness

If you add this endorsement to your policy, the first at fault accident will not count against you with your insurance company. One aspect of this endorsement to be careful with is the fact that the forgiveness does not transfer between insurance companies. Read more about accident forgiveness in our article "How Accident Forgiveness Endorsements Work".

Highlighted Possible Discounts

Winter Tire Discount

If you install 4 winter tires from the months of November to April, you may be eligible for a winter tire discount of up to 5% depending on the insurance company. Please contact us to discuss how we can take advantage of this discount.

Telematics Discount

Some companies will offer discounts if you allow them to install a telematics device in your auto. This device will record your driving habits and apply discounts based on your specific driving style. You can receive a discount when you install the device, then up to 25% in discounts depending on your driving style. Please contact us if you would like to enroll in a telematics program.

Multi-Vehicle Discount

You may be eligible for the Multi-Vehicle Discount which could save you up to 15% on your auto insurance, as well as up to 15% for the other autos in the household. Please contact us to discuss how we can take advantage of this discount.

Multi-Policy Discount

If you have your home insurance and your auto insurance with the same insurance company, you can recieve discounts of up to 15%.

Deductibles Discounts

You may be interested in raising your deductibles to reduce your premium. Please contact us to discuss this and other cost saving options.

Retiree Discount

If you are retired it is possible to get a retiree discount on your vehicle. Most insurance companies offer this discount as they realize that you're not going to be commuting or driving as frequently once you have retired. If you're retired, give us a call and see if you qualify for the retiree discount today.