Auto & Car Insurance

The cost of car insurance in Oshawa can vary depending on a number of factors, including your driving record, age, type of vehicle, and level of coverage. To get an accurate quote for car insurance in Oshawa, it’s best to speak to an auto insurance broker who can assess your specific needs.

When purchasing car insurance in Oshawa, it’s important to consider liability coverage for bodily injury and property damage, as well as collision, comprehensive, and specified perils coverage for your own vehicle. Other optional coverages to consider include medical payments coverage, loss of income coverage, and uninsured/underinsured motorist coverage.

Yes, there are several ways to save money on car insurance in Oshawa, such as bundling your car insurance with other types of insurance, taking advantage of discounts for safe driving, installing anti-theft devices in your vehicle, and raising your deductibles. Working with an experienced auto insurance broker can also help you find ways to save on your car insurance in Oshawa.

Yes, and the details matter. Your personal policy is built for everyday use, not carrying paying passengers. When the rideshare app is off, your personal coverage applies. When the app is on, the platform’s commercial policy can step in, but only during certain periods, for example, while you are waiting for a request, heading to a pickup, or on a trip. There can be gaps, especially for damage to your own car while you are waiting for a fare. At WB White Insurance, we review how often you drive, your vehicle, and your current limits, then line up options that close those gaps. We also look at liability limits, loss of use, and family protection, and make sure the deductibles make sense for your budget. An auto insurance broker gives you one place to compare carriers and endorsements, so you are not guessing about what is covered on a busy night.

A deductible is the amount you pay first on a covered claim. Higher deductible, lower premium. Lower deductible, higher premium. Collision and comprehensive usually have separate deductibles, and some insurers offer a lower glass deductible. The right number is the one you can afford without stress if something happens tomorrow. A quick example helps. If your collision deductible is 1,000 and a repair costs 1,400, you pay 1,000 and the insurer pays 400. If the repair is 900, you would pay the whole amount and likely skip a claim. At WB White Insurance, we price a few scenarios side by side so you can see the savings from a higher deductible and decide if it is worth the extra out of pocket risk. An auto insurance broker can also suggest pairing a slightly higher deductible with add-ons like rental car coverage to keep you mobile after a loss.

Choice and advocacy. When you buy direct, you get one company’s price and one set of rules. When you work with WB White Insurance, we shop multiple insurers, explain the trade-offs in plain language, and help you pick a fit for how you actually drive. That includes rideshare use, young drivers, winter tires, storage periods, and payment plans. We flag useful options like rental coverage, towing, and popular Ontario endorsements such as loss of use and family protection, then trim extras you do not need. If you have a claim, you call us first. We help you understand next steps, set expectations, and keep things moving. As an auto insurance broker, our job is to review your policy at renewal, check if another market makes more sense, and keep the paperwork simple so you can focus on the road.