Compare Windsor Car Insurance Quotes

Windsor is the southernmost city in Canada and is so close to the border, Canadian content rules don’t apply, but the Highway Traffic Act for Ontario still does.

Windsor is known as the “Automotive Capital of Canada” more for its manufacturing, than the number of cars on the road but that doesn’t make transportation any easier. The Detroit-Windsor tunnel is one of the busiest border crossings in North America transporting as many as 150,000 people to and from work every day.

If you’re commuting to the US for work, you need to make sure you have quality insurance that covers you in both countries. If you stay strictly local, it’s still possible to get into an accident with someone from Detroit.

With all this in mind, the people of Windsor 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 Windsor, and across Ontario is a requirement for all drivers. To operate a vehicle in Windsor, you must have insurance. To get the best car insurance in Windsor, it's vital to understand how it works. 

Windsor 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 carriers 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 Windsor car insurance coverage is broken down into two categories - mandatory and optional.

Mandatory Windsor auto insurance coverage includes:

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

Optional Windsor 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 5 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
• OPCF44R - Extends coverage to your family following a collision with an uninsured driver.