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Auto Insurance in Whitchurch-Stouffville

Located north of Toronto, the Town of Whitchurch-Stouffville in Ontario is home to a population of 45,837 people. The population of Whitchurch-Stouffville has been growing 7.22% per year for the past 15 years. Located within the GTA, Whitchurch-Stouffville is situated in Southern Ontario. There is access to many highways within the town, including 400 series Highway, Highway 404, Highway 407 and Highway 401. With that being said, it is important for Whitchurch-Stouffville drivers to make sure they have the right car insurance for their vehicles given all the major highways they have access to.

If you reside in Whitchurch-Stouffville 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. In Whitchurch-Stouffville, 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 Whitchurch-Stouffville 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 Whitchurch-Stouffville 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.

>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.

>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.

>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.


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.

Driving Statistics in Whitchurch-Stouffville


Overall, there are a total of 20,875 drivers in Whitchurch-Stouffville, which equals 83.81%. 10,995 of those Whitchurch-Stouffville drivers are male, while the remaining 9,915 of Whitchurch-Stouffville drivers are female. In addition, there are a total of 1,250 Whitchurch-Stouffville passengers who are carpooling every day with other drivers.

With that being said, other forms of transportation for Whitchurch-Stouffville residents are public transit with a total of 1,400 bus commuters, while 510 residents choose to walk to their workplace, leaving 70 residents to ride their bike. Meanwhile, another 150 Whitchurch-Stouffville residents find other methods of transportation.

Majority of commuters in the Town of Whitchurch-Stouffville 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 19.88%. However, 3,865 commuters would still prefer to leave earlier to get to work between 6:00 AM to 6:59 AM.

Driving Facts in Whitchurch-Stouffville


GO Transit commuter trains and busses have stops within the town of Whitchurch-Stouffville. This is a popular mode of public transit for residents. It has rail links connecting to Downtown Toronto.

The Town of Whitchurch-Stouffville is just 40 kilometers from the busiest airport in Ontario, Toronto Pearson International Airport. It is also 40 kilometers from Billy Bishop Toronto City Centre Airport. Travel in and out of these airports is popular for residents in Whitchurch-Stouffville.

The town of Whitchurch-Stouffville has access to Highway 404 that connects to the 400-Series highway, Highway 407 and Highway 401