Auto Insurance in Ottawa

We’ve Got You Covered

Ottawa Auto Insurance with Oracle RMS

If you reside in Ottawa and own a registered vehicle, it is important to have auto insurance. Driving without car insurance is a very serious offence; you can be fined for a first conviction of a minimum of $5,000.00.

There’s no doubt that our nation’s capital is one of the popular tourist spots in Canada. Not only is the City of Ottawa home to 934,243 people, but it also had a whopping number of visitors, which continues to rise yearly. In 2017, Ottawa Tourism said the number of visitors to the city rose 8.8 per cent year-over-year to more than 11 million individuals.

Ottawa, Ontario is home to Parliament Hill, the Rideau Canal, historical Canadian museums and many more. In addition, Ottawa is only a two hour drive to Montreal, Quebec, another popular tourist spot in Canada. Since there are always tourists driving in Ottawa throughout the year, there are plenty of vehicles making their way around the city and vehicles passing through. With that many cars on the road having adequate car insurance is of the highest importance.

In Ottawa, when you purchase Auto Insurance with Oracle RMS, you are insuring your vehicle, all listed drivers, and any loss or damages resulting from a car accident.

By partnering with Oracle RMS, we provide excellent customer service and work hard to get you some of the lowest auto insurance rates in Ottawa that best suit your unique needs. We are proud to be partnered with a wide range of insurance companies who can provide a variety of auto insurance quotes for all Ottawa residents.

At Oracle RMS, you will work along with one of our licensed brokers to help guide you through the quoting process. They will make sure you understand all the insurance jargon and information up to the last detail of your auto policy before you’ve made the final decision.

Auto insurance will protect and provide coverage for your vehicle(s), all listed drivers and any loss or damages. In Ontario, it is required to include and purchase the following automobile insurance coverage below:

Third Party Liability Coverage:

This section of a car insurance policy will provide coverage to protect the insured if a third-party has been injured or have succumbed to their injuries, or their property is damaged. It will compensate for claims in the event of a lawsuit against the insured up to the limit of their coverage. It will also compensate for the cost of settling a claim.

Uninsured Automobile Coverage:

This coverage will protect the insured and their family, should they be injured or killed by a hit-and-run driver or by an uninsured motorist. It will also provide coverage to the insured’s vehicle caused by an identified uninsured driver.

Direct Compensation – Property Damage (DC-PD) Coverage:

This section of a car insurance policy covers damage to the insured’s vehicle and its contents and for loss of use of their vehicle or its contents in the case of an accident, for which the insured was not responsible for. Since it was another individual who caused damage, the insured will collect direct compensation from their insurer.

Statutory Accident Benefits Coverage

This will provide the insured with benefits if they are injured in an auto accident, regardless of who caused the accident. This includes medical, rehabilitation and attendant care benefits and income replacement benefits.

Whether customers are shopping for car insurance, are informed about their upcoming auto policy renewal or are looking to save money on their current policy, overall, it is important to be informed about auto insurance and how a policy works.

The Right Coverage For You

At The Best Price

Driving Statistics in Ottawa

Overall, there are a total of 275,620 drivers in Ottawa, which equals 71.65%. 149,520 of those Ottawa drivers are male, while the remaining 126,095 of Ottawa drivers are female. In addition, there are a total of 25,250 Ottawa passengers who are carpooling every day with other drivers.

With that being said, other forms of transportation for Ottawa residents are public transit with a total of 90,690 bus commuters, while 32,450 residents choose to walk to their workplace, leaving 11,465 residents to ride their bike. Meanwhile, another 4,380 Ottawa residents find other methods of transportation.

Majority of commuters in the City of Ottawa leave their homes to get to work from 7:00 AM to 7:59 AM, therefore the roads are at their busiest within that time frame. The second busiest time for commuters to leave their homes to head to work is from 8:00 AM to 8:59 AM, which is 24.67%. However, 75,715 commuters would still prefer to leave earlier to get to work between 6:00 AM to 6:59 AM.

Driving Facts in Ottawa

 

From 2014 to 2018, there was a total of 72,834 reported auto-related collisions.

    There are two main highways in Ottawa:

    • Highway 417 – Ottawa portion of the Trans-Canada Highway
    • Highway 416 – Connects Ottawa to the rest of the 400-series Highway network in Ontario at the 401

    Top 10 Collision Locations in the City of Ottawa

    1. Bank Street and Heron Road
    2. Hunt Club Road and Riverside Drive
    3. Carling Avenue and Kirkwood Avenue North
    4. Innes Road and Tenth Line Road
    5. Greenbank Road and Strandherd Drive
    6. Merivale Road and West Hunt Club Road
    7. Innes Road and St. Laurent Boulevard
    8. West Hunt Club Road and Woodroffe Avenue
    9. Donald Street and St. Laurent Boulevard
    10. Prince of Wales Drive and West Hunt Club Road

    Getting insured is quick and easy!

    Auto insurance is what you need, request a free online quote now. Takes less than two minutes!

    Words From Our Customers

    “I’ve used Oracle RMS for my insurance for years and years. Very knowledgeable and helpful. Chris Masucci gave me honest advice about my insurance options and helped me choose the best coverage for my needs. He is friendly and super responsive if I have any questions. Would recommend!”

    Lauren Chee-Hing,
    google Review

    “I purchased my first car a year and a half ago and called Oracle for an insurance quote. They have excellent customer service – in particular, Chris was very helpful in getting me a great rate. He is extremely prompt at answering any questions I have about my policy and about anything insurance related! I highly recommend this brokerage.”

    Andrea Lee,
    google Review

    We Got you Covered