If it runs on four wheels, we protect it.
You rely on your car for work, play, errands, and just getting from here to there. You put money and time toward keeping it safe and in working condition. Your vehicle is a big investment on many levels and that’s why it’s so important to choose the best protection for damage, loss, and liability.
For auto insurance in Sault Ste. Marie, Wawa, and Thessalon, Dawson & Keenan Insurance has you covered. We’ll review your specific needs and budget, compare auto insurance plans, and match you to the right policy for your situation.
Get great coverage for whatever moves you.
We know that not every vehicle you drive is the “practical” kind. That’s why Dawson & Keenan offers great discounts on coverage for your grown-up toys like ATVs and Snowmobiles, when bundled together with your auto insurance. We also offer insurance coverage for a wide range of other vehicles, including:
D&K Top Tip
Plan a yearly checkup
Nothing in life stays the same, and that includes your auto insurance. It pays to reach out to your Dawson & Keenan broker annually to help you prepare for the coming year. You might just find a better deal or rearrange your policy options to better reflect your life circumstances.
Frequently Asked Questions About Auto Insurance
You’ve got questions and our team is here to answer them. With our in-depth understanding of auto insurance, you can enjoy peace of mind when you get behind the wheel.
Here are a few of the most-asked questions we get from our customers:
Q: Can anyone drive my vehicle and are they covered in case of an accident?
A: You can allow anyone with a valid driver’s license to drive your vehicle. Keep in mind, if they have an accident, you will be responsible for handling the claim and it will be your policy and your insurance driving record that will be impacted. If the driver is someone in your household or drives your vehicle regularly, you should add them to your policy.
Q: How much auto insurance do I need?
A: You must have a minimum amount of coverage as mandated by your provincial government. If you can afford it, it’s wise to consider extra coverage above the minimum. Otherwise, you will pay out of pocket should the cost of repair, replacement, or legal fees be more than the minimum insurance covers. Dawson & Keenan can compare providers to find you the best coverage at a price you can manage.
Q: What is no-fault auto insurance in Ontario?
A: No-fault insurance means that if you are injured or your car is damaged in an accident, you cannot ask the other driver’s insurance company to pay expenses. You must deal with your own insurance company, regardless of who is at fault. Keep in mind, whichever driver is deemed “at-fault” by the police may incur a rate increase. Ask your Dawson & Keenan broker about adding an accident forgiveness option to your policy to help offset this increase.
Q: Is it possible to reduce my auto insurance costs?
A: Yes, it’s possible to reduce your rates by taking certain steps, such as:
- Improving your driving record (reduce tickets and/or accidents).
- Limiting how often you drive (take public transportation, move closer to work).
- Selecting a higher deductible (this lowers your premiums and if you avoid using your coverage, you can enjoy some savings overall).
Q: Should I include coverage for rental vehicles with my auto insurance?
A: One of the most popular coverage options for auto insurance is the OPCF 20 Coverage for Transportation Replacement. Dawson & Keenan offers this additional coverage to ensure you have access to a rental vehicle, in the event your primary insured vehicle is damaged or suffers loss from an insured peril.
Q: How are my auto insurance premiums calculated?
A: Your premium rate is calculated on a number of factors including:
- Where you live (city, suburb, rural, etc.)
- Your past driving record
- Type of vehicle and what it’s primarily used for (work commute, long distances, etc.)
- Type of coverage and deductible amounts you select
Q. Why do you recommend choosing $2 million in liability coverage rather than $1 million?
A: Every standard insurance policy sold in Ontario includes something called Third Party Liability (TPL) coverage. You must carry a minimum of $200,000 in TPL – not nearly enough to cover paying for damages, injuries, and a lawyer. Insurance experts say even $1 million may not be adequate. Our brokers recommend carrying $2 million in TPL. What you pay for this added protection is not significant and well worth the peace of mind. Contact us today to learn more about how TPL works.
Q: What will I be covered for with my auto insurance policy?
A: There is auto insurance that every driver in Ontario must carry. These coverages include:
- Third Party Liability Coverage (TPL)
- Statutory Accident Benefits Coverage
Other optional coverages are available, such as collision and comprehensive. Talk to your broker for more information.