Tecumseh Auto Insurance
Let’s protect your investment.

Having a Tecumseh auto insurance policy isn’t just important—it’s mandatory. The province of Ontario requires every driver to have automobile insurance coverage. A good insurance policy will also give you confidence behind the wheel. Even if someone else is illegally driving without auto insurance and becomes involved in an accident with you, a strong Tecumseh auto insurance policy will still offer you financial protection. At HUB International, we specialize in providing customized auto insurance policies that meet both the legal requirements in your area and your own personal preferences.
Why You Need a Good Auto Insurance Policy
You may be a very responsible drive, but that doesn’t mean everyone around you is. Even if you are a great driver, accidents can still happen due to poor visibility conditions, bad weather, or just a moment of inattention. If you ever run into a situation like this, you’ll be very grateful for your Tecumseh auto insurance policy. If possible, select a full-coverage policy that fits into your budget. That way damage will be covered even if it’s caused by a driver who doesn’t carry auto insurance.
In addition to giving you greater confidence and peace of mind while you’re on the road, an insurance policy is also mandatory. The minimum auto insurance coverage amount required by Ontario is $200,000. This is just for basic liability coverage. You may decide that you’d like even more protection. When our clients ask us how much liability coverage is enough, we often recommend as much as $2,000,000 in coverage. In the event of a very bad accident, this amount will be sufficient to take care of most auto damage and injuries.
Even though it isn’t very fun to make monthly car insurance payments, the peace of mind you receive is will worth the cost. Carrying an active Tecumseh auto insurance policy will also protect you from being charged with failure to provide proof of insurance if you are ever pulled over or involved in an accident.
Car Insurance Details
We have many different coverage options from which you can choose. While you must, of course, meet the minimum insurance requirements as specified by Ontario, here are some of the additional coverage options we can add to your Tecumseh auto insurance policy:
- Agreed value
- Full glass
- Towing and labor
- Worldwide liability
- Electronic equipment
- Underinsured and uninsured
- Replacement cost for your vehicle or classic car
If you’re not sure what type of coverage you need or even want, don’t worry. We’ll be happy to chat with you about the benefits and costs of each coverage option. Your deductibles and liability limits will depend on how your chosen policy is configured.
In Ontario, driving without insurance or proof of insurance comes with some pretty severe consequences. These may include:
- A base fine of $5,000, plus an added 20% tax
- Charges of operating a vehicle without the required insurance coverage or failing to provide proof of insurance coverage
- Jail time
Generally, jail time is only reserved for repeat offenders. But you are almost guaranteed to receive a fine if you fail to provide proof of insurance when pulled over. Fortunately, Ontario has made it easier for drivers to show proof of insurance by making it permissible to show an electronic copy of your policy. That means you don’t have to carry a paper copy of your policy in your vehicle, as long as you can show proof of insurance on your phone or other mobile device.
This change is very convenient for drivers, but it doesn’t come without the potential for problems. For example, if you’re ever caught in an area without cell phone service, you may not be able to access your policy from your email. To avoid issues like this, download your policy onto your phone or take a picture of it in advance so you can access it whether you have cell phone service or not.
We have many different coverage options from which you can choose. While you must, of course, meet the minimum insurance requirements as specified by Ontario, here are some of the additional coverage options we can add to your Tecumseh auto insurance policy:
- Agreed value
- Full glass
- Towing and labor
- Worldwide liability
- Electronic equipment
- Underinsured and uninsured
- Replacement cost for your vehicle or classic car
If you’re not sure what type of coverage you need or even want, don’t worry. We’ll be happy to chat with you about the benefits and costs of each coverage option. Your deductibles and liability limits will depend on how your chosen policy is configured.
In Ontario, driving without insurance or proof of insurance comes with some pretty severe consequences. These may include:
- A base fine of $5,000, plus an added 20% tax
- Charges of operating a vehicle without the required insurance coverage or failing to provide proof of insurance coverage
- Jail time
Generally, jail time is only reserved for repeat offenders. But you are almost guaranteed to receive a fine if you fail to provide proof of insurance when pulled over. Fortunately, Ontario has made it easier for drivers to show proof of insurance by making it permissible to show an electronic copy of your policy. That means you don’t have to carry a paper copy of your policy in your vehicle, as long as you can show proof of insurance on your phone or other mobile device.
This change is very convenient for drivers, but it doesn’t come without the potential for problems. For example, if you’re ever caught in an area without cell phone service, you may not be able to access your policy from your email. To avoid issues like this, download your policy onto your phone or take a picture of it in advance so you can access it whether you have cell phone service or not.
Find the Right Policy for Your Situation
There is no single Tecumseh auto insurance policy that perfectly matches every person’s needs. To find the right coverage for your needs, contact us and get a quote today.
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