facebook pixel

find a broker

Find a Broker

FR

1-866-245-2779

Car Insurance in Timmins, 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 Timmins:

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 Timmins?

Timmins is known as the “City with a Heart of Gold.” That’s because of its gold mining history and friendly people. Your wheels help you get around in the rugged landscape and you need the right car insurance.

Timmins is the fourth-largest city in the Northeastern Ontario region and has a population of more than 43,000. The city is set in the Canadian Shield and surrounded by the boreal forest.

Your car will take you downtown to Balsam Street or to Third Avenue (the city’s main street), to see the Walk of Fame where there’s a plaque and the handprints of singer Shania Twain, the most famous resident of Timmins.

Gold was discovered in Timmins in 1909 and the area became home to dozens of prospectors during the Porcupine Gold Rush.

At Western Financial Group, we know how important your car is to you in Timmins. Contact us to see how you can save on your car insurance in Timmins.

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

Setting the Standard in Insurance Broker Service

image_3-0001.png

What do I need to know about car insurance in Timmins, 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 Timmins.

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

BIP_white.png


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

Western Financial Blog

Do Boat Insurance Quotes Help Get The Best Price?

  May 19, 2025

Western Announces New Partnership with the Canadian Association of Movers

  May 6, 2025

Basic Safety for Ontario Boaters

  May 5, 2025