How do you know what level of coverage is right for you? And how do you know if you’re paying too much?
Youngs Insurance brokers will help you get the ideal insurance product for your car—a policy that offers adequate auto protection for your current situation and carries the lowest possible premiums.
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These four are the bare minimum protection you should get for your vehicle.
This coverage protects you from financial loss if you injure a person or damage their personal property. You’re legally required to carry a minimum of $200,000, but you may increase it to $500,000, $1 million, or $2 million.
This covers the medical costs for injuries you have sustained from a crash with an uninsured driver at fault.
This covers your medical and other expenses (like dental, physiotherapy, etc.) regardless of who’s at fault.
This covers the damage to your vehicle.
These aren’t mandatory, but they provide extra protection to drivers who face higher risks.
It covers the damage to your vehicle due to a collision with another car or object.
It covers other kinds of damage apart from collisions.
This provides the broadest protection because it combines Collision and Comprehensive.
This protects your vehicle from specified perils, like floods, hail, and fire.
If you’re classified as a high-risk driver, you need more than conventional car protection. You require a special kind of coverage called high-risk auto insurance.
Youngs Insurance offers Sweet Lemons, a program where we:
Talk to our representative to learn more.
Our Sweet Lemons program not only gives you the right insurance but also actively improves your driving record. It will improve your insurance record and bring down your insurance rates.
Discover the insurance products that provide adequate coverage for your properties in Ontario. Work with Youngs Insurance to protect your home, condo, cottage, and more.
Umbrella insurance is ideal for individuals who face higher risks and need broader coverage. Speak with Youngs Insurance to get extra protection.
Choose the right insurance for your motorcycle. We’ll help you meet the minimum coverage, as well as other coverage according to the risks you face as a motorist in Ontario.
As part of our exceptional customer service, we offer insurance brokerage services in English, Spanish, Italian, and Polish.
With at least two decades of experience, our brokers have mastered the right level of coverage for different types of drivers.
All Ontario drivers must carry at least $200,000 third-party liability coverage (but many drivers choose to carry more), uninsured motorist, direct compensation property damage, and accident benefits.
The no-fault car insurance system means that in a collision, drivers in Ontario will process individual claims through their own insurance companies, regardless of who is at fault.
A standard auto insurance follows the car, not the driver, so if you’re borrowing an insured car for an errand, it shouldn’t be a problem. But if you borrow the insured car regularly, it’s better to be registered as a secondary driver.
Get in touch with your insurance agent, and they will explain the process. Bear in mind that several factors affect the premiums of the secondary driver.
No. If you’re proven not to be at fault in an accident, you don’t have to pay for the deductible on your car insurance.