A member of the SIB Corp –
Operating as Stoneridge Insurance Brokers
TRUST US AND OUR SELECT GROUP OF COMPANIES FOR YOUR CAR INSURANCE IN ORLEANS
When it comes to helping individuals purchase the best car insurance in Orleans, the team at Del Smith Insurance provides attentive care and thorough explanations of all options. Our car insurance brokerage team has many years of experience, and we are well-versed in insuring different types of vehicles, such as:
Personal auto/truck/SUV
Commercial vehicles
Motorcycles
Non-standard (high risk)
Motorhomes
Recreational vehicles (ATVs and snowmobiles)
BOOK AN APPOINTMENT
If you are confused about purchasing the correct car insurance in Orleans, please don’t hesitate to get in touch with us. We have leading insurance companies represented in our office, and we can provide you with the best coverage to meet your individual needs.
DETERMINANTS OF YOUR CAR INSURANCE PREMIUM
When computing your insurance premium, auto insurers consider various factors, including:
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Your age, gender, and marital status
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The make, model, year, and safety features of your vehicle
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The duration for which you've held your driver's license
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Your residential location
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Your driving frequency and annual mileage
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Whether your car is utilized for commercial purposes
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Your driving record and that of other household drivers listed on your auto insurance policy
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Your current driver's license class
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Your driving and insurance history, including claims, convictions, and potentially other considerations such as completion of driving training
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Market conditions
STANDARD AUTO INSURANCE POLICY COVERAGE:
Third-party liability coverage
This insurance protects you if you injure someone or their property is damaged. It will pay for claims due to lawsuits against you up to your coverage limit.
Statutory accident benefits coverage
This policy helps you if you incur an accident with supplementary medical, rehabilitation, attendant care, caregiver, non-earner and income replacement benefits.
Direct compensation - property damage (DC-PD) coverage
This section of your automobile insurance policy covers damage to your vehicle or its contents and for loss of use of your vehicle or its contents. As the name suggests, you can collect the amount directly from your insurer instead of the person who caused the damage.
Uninsured automobile coverage
This policy protects you and your family if you are injured or killed by a hit-and-run driver or by an uninsured motorist. It also covers damage and extra coverage for your vehicle caused by an identified uninsured driver.
EXTRA AUTOMOBILE COVERAGE:
Specified perils coverage
This coverage pays for losses caused by one of the following perils: fire; theft or attempted theft; lightning, windstorm, hail, or rising water; earthquake; explosion; riot or civil disturbance; falling or forced landing of an aircraft or parts of an aircraft; or the stranding, sinking, burning, derailment or collision of any kind of transport in, or upon which an insured vehicle is being carried on land or water.
Comprehensive coverage
This coverage pays for losses other than those covered by collision or upset, including perils listed under specified perils, falling or flying objects, missiles and vandalism.
Collision or upset coverage
This coverage pays for losses caused when an insured vehicle collides with another object, including another vehicle, or rolls over. ‘Object’ mentioned here includes another vehicle or a trailer attached to the vehicle. It comes under the policy coverage: the surface of the ground and any object in or on the ground.
All perils coverage
This combines collision or upset and comprehensive coverages. In addition, it covers loss or damage caused if a person who lives in your home steals the vehicle covered by your insurance policy. All perils also cover you if an employee who drives or uses, services or repairs that vehicle, steals it.
Note: A deductible may apply to all of the above coverages.
Our team is here to provide assistance and clarify any queries you may have regarding the coverage options, deductibles, or any other related information. Reach out to us for more details about car insurance in Orleans.
POLICY ENDORSEMENTS:
Rented or leased vehicles (OPCF 5)
This endorsement extends coverage to a vehicle you drive, but a leasing company owns that.
Loss of vehicle use (OPCF 20)
This coverage covers the cost of a rental vehicle while your vehicle is being replaced or repaired if the damage or loss is caused by a peril for which you are insured.
Liability for damage to non-owned automobile(s) (OPCF 27)
This endorsement provides physical damage coverage to vehicles you may operate but do not own, including a vehicle you have rented or borrowed – subject to a deductible.
Removing depreciation deduction (OPCF 43)
This coverage removes the insurer's right to deduct depreciation from the value of your vehicle when settling a claim for loss or damage caused by a peril for which you are insured.
Family protection coverage (OPCF 44R)
This coverage protects you or an eligible family member to the same limits as your third-party liability coverage. If you are involved in an automobile accident where you are not at fault, with someone who carries less insurance, no insurance or is an unidentified driver (e.g., hit and run), then the policy covers you.
These are only some of the many policy endorsements available. Please contact us or fill in the form below to understand which policy best covers you.
IMPORTANCE OF CAR INSURANCE IN ORLEANS
Whether you use your car daily or only occasionally, insuring it is essential. Driving without valid auto insurance is illegal. In the event of an accident, not only can your license be cancelled, but your vehicle may also be confiscated.
Once you insure your vehicle, you’ll benefit from third-party property damage, liability and medical coverages. Contact us today to learn more about car insurance in Orleans.
HOW YOUR CHOICE OF VEHICLE INFLUENCES YOUR INSURANCE
Whether it's an SUV, truck, or sedan, the impact on your insurance isn't solely determined by the driver. Insurers also consider the specific vehicle you're insuring when crafting and pricing your auto policy.
The make, model, year, value, and potential repair costs of a vehicle are all factors insurers consider when establishing the rate for your car insurance policy. Safety features, such as car alarms, the number of airbags, collision avoidance technology, and the vehicle's ability to protect occupants in a collision, may also play a role in the assessment.
When preparing to purchase or lease a car, it's essential to recognize that the choice of vehicle can affect your insurance rate in several ways. Here are three key considerations:
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Insurance ratings: Vehicles with lower-cost insurance ratings often result in lower insurance premiums. Consult resources like IBC’s "How Cars Measure Up in Canada" to explore insurance ratings.
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Theft risk: Vehicles more prone to theft generally incur higher insurance costs.
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CLEAR system rating: The Canadian Loss Experience Automobile Rating (CLEAR) system utilizes insurance claims data to assess the likelihood of a certain vehicle being involved in a claim and the expected cost of that claim. Insurers leverage CLEAR to make informed decisions about insurance rates.
GET YOUR FREE QUOTE
Fill out the form below to get a free quote on your auto insurance: