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Car Insurance in Sarnia, Ontario

Our insurance experts at Western Financial Group will make sure that you get car insurance that protects you and your passengers.

Why work with Western?

We understand that our customers’ car insurance needs are diverse and can change over time.

As a leading insurance broker in Canada, we do the insurance shopping for you and we get your coverage at the right value for you. We work with Canada’s leading insurance companies to provide you multiple, competitive quotes to meet your car insurance needs. We’re able to get you car insurance that is tailored to your needs.

We are a national insurance broker and we own and operate insurance brokerages from the Maritimes to British Columbia.

What you need to know about buying car insurance in Sarnia:

Why have two monthly insurance payments when you can have one? When you bundle your car and home insurance, you can get a discount and it’s an easy way to cut costs without cutting coverage.

What about other discounts?

  • If you have more than one car and they’re insured under the same policy, you can save money on your car insurance with a multi-vehicle discount.
  • If you’re a renter, you can bundle your renter's insurance with car insurance to get a discount.
  • Are you claims free?
  • A soft credit check can give you the best price for your car insurance
  • Does your car have vehicle safety features?
  • If you don’t drive much, you could save money on your car insurance
  • Are you a mature driver?
  • A higher deductible can lower your car insurance

Car insurance costs have been on the rise

You may be experiencing higher car insurance premiums.

Ontario car insurance rates are being impacted by:

  • Car theft has jumped dramatically
  • Inflation
  • Parts shortages
  • Repair delays

Looking for Car Insurance in Sarnia?

Sarnia is a border city and your car will get you across the Blue Water Bridge to Port Huron, Michigan. The Blue Water Bridge connects Highway 402 in Ontario with both Interstate 69 (I-69) and Interstate 94 (I-94) in Michigan. There’s lots of driving to do and you need the right car insurance when you get behind the wheel.

Both the U.S. and Canada border stations are open 24 hours per day, so traffic can be constant. Our insurance experts at Western Financial Group will make sure that you get the right car insurance at the right value.

You can also head out on Highway 40, which links Chatham and Sarnia via Wallaceburg, following close to the St. Clair River.

Sarnia is the largest city on Lake Huron, and it’s known for its sandy beaches. It’s a short drive to Canatara Beach and Park at 1200 Lake Chipican Drive. Canatara Park is the largest and most well-known park in the city.

At Western Financial Group, we know how important your car is to you in Sarnia because you count on it every day.  

Contact us to see how you can save on car insurance in Sarnia.

Life insurance ensures that your family will be provided for in the event something happens to you.

Setting the Standard in Insurance Broker Service

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What do I need to know about car insurance in Sarnia, Ontario?

As a resident of Ontario, you need mandatory car insurance coverage that protects you, your passengers, and other drivers.

Under the Compulsory Automobile Insurance Act of Ontario, it is illegal to drive a motor vehicle that is not insured.

There are four types of car insurance that are legally required in Ontario:

  • Third-party Liability Coverage: You must have a minimum of $200,000 in third-party liability coverage as part of your mandatory car insurance. It’s highly recommended that you purchase a higher limit. It protects you if someone is killed or injured, or their property is damaged, and you are found to be legally liable.
  • Statutory Accidents Benefits Coverage: It provides you with benefits if you are injured in an accident, no matter who is found to be responsible. It includes supplementary medical, rehabilitation and attendant care, caregiver, non-earner and income replacement benefits, and there are options to increase most of these coverages.
  • Direct Compensation- Property Damage (DCPD) Coverage:       It covers damage to your car or its contents, and for the loss of use of your car or its contents, if another person was at fault for the accident. It is called direct compensation because even though someone else causes the damage, you collect directly from your own insurer.

Insurance coverage under the DCPD section only applies if the following conditions are met: The accident took place in Ontario and there was at least one other vehicle involved in the accident. At least one of the other vehicles is insured by an insurance company licensed in Ontario.

  • Uninsured Automobile Coverage: It protects you and your family if you are injured or killed by a hit-and-run driver or by an uninsured motorist. It covers damage to your car caused by an identified uninsured driver.

5 Questions about mandatory car insurance in Ontario

At Western Financial Group, we know how important your car is to you in Sarnia.

Before you get in your car, contact us to see how you can save on car insurance in Sarnia.

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Western Financial Group is a proud member of the Insurance Brokers Association of Ontario. 

Western Financial Group also serves these other Ontario locations: 

Car Insurance

Home Insurance

Business Insurance

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