Compare Guelph Car Insurance Quotes

As you approach Guelph, the smell of manure may invade your personal space, but it should only be seen as a sign of prosperity. Home to the Ontario Agricultural College, Ontario Veterinary College, and the city’s own prestigious university, Guelph is a flourishing town with one of the lowest unemployment rates in the country and consistently ranking near the bottom of crime rates.

Higher education, a booming economy, and low crime help Guelph’s car insurance premiums stay low at just over $1,000. However, areas with high collisions and road work force car insurance premiums to approach nearly $3,000. With all this in mind, the people of Guelph need to shop around for car insurance quotes to make sure they’re paying the best price and getting the best value. 

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Car insurance in Guelph, Ontario is a requirement for all drivers. To operate a vehicle in Guelph, you must have insurance. To get the best car insurance in Guelph, it's vital to understand how it works. 

Guelph operates in a no-fault insurance system. No-fault means drivers use their own insurance company regardless of who is at-fault in an accident.  In other words, you only ever deal with your own insurance company for a claim or following an accident. 

Ontario auto insurance is provided by private insurance companies and is regulated by the Financial Services Regulatory Authority of Ontario (FSRAO). FSRAO ensures rate increases are substantiated. Simply put, an insurer can't raise rates without prior approval from the regulatory body and is based on their financial records. 

Available Guelph car insurance coverage is broken down into two categories - mandatory and optional.

Mandatory Guelph auto insurance coverage includes:

• Third-party liability
• Accident benefits 
• Uninsured automobile insurance
• Direct Compensation Property Damage (DCPD)

Optional Guelph car insurance coverage includes:

• Collision insurance
• Comprehensive car insurance
• Specified perils
• All perils

Also available in any city in Ontario are Optional Policy Change Forms (OPCF) which are coverage enhancements. Here are 4 common Ontario endorsements. 

• OPCF 20 - covers the cost of a rental vehicle while yours is being repaired or replaced
• OPCF 27 - Ports your existing insurance to a rental car or car you borrow
• OPCF 39 - Your insurer forgives your first accident claim so it doesn't impact your insurance rate
• OPCF 43 - Removes depreciation in calculating the value of your car when settling a claim