27
Jan-2023
Insurance for first-time drivers in Ontario can be a daunting task to navigate. As a new driver, you may be wondering how to obtain insurance and some ways to keep the price down. In this blog post, we will go over some of the basics of car insurance for first-time drivers in Ontario.
With a leaner’s permit or G1 you are covered if driving an insured vehicle with permission and following the laws and regulations surrounding a G1 licence. In saying this, it is still a good idea to let your insurance broker know that you’ve attained your G1. Adding a G1 driver to an existing policy is free of charge but insurance companies still like to know who is likely to be driving the vehicle on a consistent basis. Additionally, the sooner an individual is added to a policy the sooner they begin to create insurance history…which is a good thing!
The situation starts to get a little more complicated and a lot more expensive once that next level of licensing is achieved. G2 drivers will have to decide whether they will be purchasing their own vehicle and policy or continuing to drive a parent’s vehicle. The cost to insure G2 drivers on their own vehicle in Ontario is often quite high, it’s cheaper to remain as an occasional driver on a parent’s vehicle Factors that can affect your premium include your driving history, the type of car you drive, your age and your gender. For new drivers it is incredibly important to strive for a clean driving record. You do not want tickets affecting your rates for 3 years and collisions for 6 years. Other ways to potentially help your premium include completing a Driver Training course and/or acquiring your G licence as soon as possible!
Many of the brokers at Orr Insurance have gone through this with their own children so we absolutely understand the decisions that need to be made. That is why we are here to have discussions, give advice and provide pricing optionse in order to secure the best possible policy at a reasonable premium.
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Seaforth Our job is to find you the best competitive combination of price, value and service from over 60 Canadian insurance and investment companies.
Tyler has been providing me with financial advice for my family since 2010 and in that time has proven that he is extremely trustworthy and knowledgeable. Tyler has taken the time to educate me and lay out options best suited for reaching the financial goals we’ve set for our family. I highly recommend Tyler as a valuable resource to help reach your next financial goal
Emma, thank you for all your kindness with helping me. You were very efficient. I highly recommend you for your work at anytime.
Orr Insurance has been amazing to work with for our life, vehicle, and home insurance. Friendly people answering the phone, clear billing, and helpful when we have a unfortunate experience of making claims. We have been with Orr for 10 years and counting. Highly recommend!!
Danny Muir has taken care of our auto and home insurance for the past 35 years and has proven himself to be outstanding in his professionalism and dedication concerning our insurance needs. All our claims and any questions have been met with the utmost prompt and courteous service and we would highly recommend him as your broker!
Extremely happy with the Orr Seaforth office. Their service has definitely exceeded my expectations! Going with them was a great decision!
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