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Additional Coverage Options for Hamilton Drivers

Together with standard car insurance, some Hamilton drivers may want to add additional coverages to their automobile policy. For example, some popular optional coverages in Hamilton include collision coverage, comprehensive coverage, accident forgiveness coverage and all perils coverage. Let’s break these down further below:

Collision coverage

Should you be involved in a collision, either with another vehicle or an object on the road, collision coverage helps cover the costs of repairing or replacing your vehicle. No matter who is at fault. 

Comprehensive coverage

Comprehensive coverage protects your vehicle from situations other than accidents, like vandalism, theft, fire, water damage and more. Your insurer will help cover the costs of repairing or replacing your vehicle. 

Accident forgiveness coverage

By adding accident forgiveness to your insurance policy, it can protect your driving record and help prevent a rise in your insurance premiums if you are deemed at fault for a car accident. 

Save Money on Hamilton Automobile Insurance

Are you interested in learning new ways to save money on your car insurance? The team at Lawrie Group Insurance has put together a list of tips to help you start saving right away.

Consider increasing your policy deductible

As a general rule in the insurance industry, the higher your deductible is, the lower your insurance premiums will be. Even just increasing by $500 to $1,000 can make a significant difference. This is because the more you are able to pay upfront after submitting a claim, the less an insurance company will need to pay out. 

Bundle your policies together

Insurance companies like to reward loyal customers who own multiple policies with them by offering discounts on each policy. An insurance broker can help you determine the best insurance provider for bundling your policies together, like your automobile and home insurance. 

Ask about a multi-car discount

When you insure multiple automobiles with the same provider, you will likely receive a discount for each vehicle. You can either insure multiple cars under the same policy or own individual policies for each car, such as standard auto insurance for one and antique and collector vehicle insurance for another. Either way, if you have multiple cars, make sure you take advantage of those savings!

Contact Lawrie Group Insurance to learn more about Hamilton automobile insurance

Ready to purchase automobile insurance in Hamilton? Contact Lawrie Group Insurance today. One of our dedicated insurance brokers can answer any questions you may have and even provide you with an estimate. Quality home insurance brokers in Hamilton are just a phone call away. We look forward to hearing from you!

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Third-party liability coverage 

Third-party liability insurance protects you should you get into an accident that injures another person or results in property damage to another person’s property. It covers the costs of any legal or court fees, associated medical expenses and repairs of a damaged car. Ontario requires you to carry a minimum of $200,000 in third-party liability coverage.

Direct compensation - property damage coverage

If you are in an accident but not at fault, direct compensation coverage protects an insured car and its contents by covering the costs of any property damage, such as repairing or replacing a vehicle. 

Uninsured automobile coverage

Should you be involved in an accident with an underinsured or uninsured driver who is deemed at fault for the collision, this coverage will kick in to cover any associated medical expenses due to injuries, as well as car repairs, lost wages and more. It also kicks in if you are involved in a hit-and-run.

Accident benefits coverage

Accident benefits coverage kicks in to help cover lost income and medical expenses, regardless of who is at fault, if you, a passenger or a pedestrian are injured in a collision. Medical expenses include prescription medications, physical therapy, rehabilitation and more.