Find Cheap Car Insurance in Windsor

Given how insurance premiums are determined, there is no easy way to pinpoint which company offers the cheapest one – in Windsor or anywhere else. That’s because insurance rates depend heavily on individualized factors such as age, car, location and driving record.

You can, however, use comparison websites like RATESDOTCA to compare quotes from multiple different insurers at once to get the cheapest price in your location.

No. Most providers in Windsor and the rest of Ontario offer year-long insurance policies only, though some are known for providing six-month policies. If you’re looking for a policy shorter than six months, you probably won’t find it.

However, there are ways around this issue. Here’s what you can do:

• Rent a car: If you’re visiting Windsor for a short time, you can rent a car and get insurance that covers the length of your booking. That way, if you rent a car for three days, your insurance policy will last three days as well. However, this may prove costly if you decide to stay in Windsor longer (e.g. a month). In this case, you’d need a different solution.
• Use your existing policy: If your stay in Windsor is on the longer side, you can use your existing policy to cover the car you intend to drive here. That way, it will match the amount of days you’re planning to stay, while costing you less than renting a car.
• Change your policy: If you live in Windsor and you want month-to-month car insurance, you can reduce your existing coverage to make it cheaper – particularly during the months you drive the least (or don’t drive at all). It won’t be month-to-month insurance, but it will cost you less.

Yes, your car insurance covers you in the U.S., across all 50 states, because insurance laws and regulations in the U.S. are similar to those in Canada. However, we recommend that you increase your coverage limits, particularly for liability, as you’re more at risk of a lawsuit there than here. The standard minimum liability coverage is $200,000. Consider increasing it to $2 million when travelling.

Yes. However, before using your vehicle for ridesharing, inform your insurance provider, just in case.

The FSRA has a list of all approved ridesharing companies in Ontario, along with their corresponding insurers. Here’s what they are:

• EZ Ride | Northbridge General Insurance Corporation
• Facedrive | Northbridge General Insurance Corporation
• Lyft | Aviva Insurance Company of Canada
• M Ride Inc. | Northbridge General Insurance Corporation
• NRT OnDemand | Hartford Fire Insurance Company of Canada
• RideCo | Northbridge General Insurance Corporation
• Uber | Economical Mutual Insurance Company
• Uride | Northbridge General Insurance Corporation
• Wilma | Northbridge General Insurance Corporation
• Y Drive | Northbridge General Insurance Corporation
• Zoom Innovators Inc. | Northbridge General Insurance Corporation

How ridesharing insurance works: Whenever a driver, car owner or passenger uses any of the above-listed ridesharing services, they are covered the moment the app is on. As soon as it’s off, the car owner’s personal insurance kicks in.

When you buy insurance for your car, you can choose your deductible amount. We recommend that you base this amount on your coverage and/or financial situation. Most drivers in Windsor have a $500 deductible, as it’s the standard amount offered by insurers.

You can raise it to $1,000 or even $2,000, if you prefer, which may save you up to 40% or more on your coverage.

However, you want to be careful when raising your deductible, since the higher the deductible, the more you have to pay yourself in case of an accident. This may negate any savings you make on your premiums. In addition, when filing a claim, your deductible may cost you more than paying for the damages out of pocket.