At Archway, we know that no two drivers are alike, so no one insurance company or product will fit everyone. We work with a wide variety of insurance companies to provide you with options. We listen to you to determine where we can find you the coverage you need at the best price.

Do I Need Auto Insurance?

There’s a reason why auto insurance is the most popular type of insurance. If you own and drive a car, truck, motorcycle or ATV on public roadways by law you must purchase auto insurance. The types of auto insurance coverage required by law to operate your vehicle cover your liability for damage you cause to other people or their property, accident benefits in the event you are physically injured, and accidents caused by an unidentified motorist (hit & run). If you’re getting auto insurance for the first time and driving an older model vehicle, chances are you may opt for just enough insurance to meet your legal requirements.

What Auto Insurance Coverage Should I Buy?

As your driving experience increases, provided you keep a clean driving record, your cost for additional types of auto insurance will decrease over time. Many experienced drivers choose to purchase newer vehicles and they want and need enhanced coverage to protect them against a financial loss. Collision insurance covers the cost of repairing your vehicle regardless of who is at fault in an accident. Should you have the unfortunate luck of hitting a wild animal crossing the road or the garage roof collapse on your summer sports car, you’ll need comprehensive insurance to cover your loss.

If you’re relying on a vehicle to get to and from your job, you’ll also want to purchase coverage to cover a rental car should you be involved in a motor vehicle accident that puts your car in the shop for repairs. Likewise, you can purchase coverage that will extend to your rental car when you’re on vacation, so you don’t need to opt into additional insurance costs when you rent a vehicle.

If you purchased your vehicle brand new and have a loan or lease, you’ll want to ensure you get replacement cost coverage. Your vehicle insurance takes depreciation into account so if you owe more on your vehicle at the time you have an accident than your insurance company determines it’s worth, you’ll have to fork out the difference. Replacement cost coverage prevents you from being shortchanged in the event your brand-new car is written-off.

Will My Insurance Costs Increase If I Have an Accident?

If you’ve been a model driver, avoiding any at fault accidents, you’ll want to protect your preferred insurance rate by purchasing accident forgiveness coverage. Consider this coverage your “get out of jail free card”. Should you have an at fault accident, it will preserve your driving record with the insurance company, so your rates don’t go up as a result of your first at fault accident.

Ask Our Brokers

Archway Insurance brokers are here to walk you through these and other important considerations in purchasing an auto insurance policy. We take time to educate our clients to ensure the product you select provides the coverage you need at the best price. We shop all the major insurance markets for you, helping you make an informed decision about your insurance.

FAQs

What auto insurance coverage is mandatory?

By law if you’re driving a vehicle, the government requires you to carry third-party liability insurance (this covers damage you do to other people’s property), accident benefits, and coverage for uninsured or unidentified motorists (hit & run).

What happens if I let someone else drive my vehicle and they get in an accident?

If you lend your vehicle, you’re also lending your auto insurance. Even if the person driving has their own policy, if they are in an accident while driving your car, it’s your insurance record that will take the hit. Keep this in mind before handing over your keys.

What is an insurance deductible?

An insurance deductible is the amount you pay in the event of an insurance claim before your insurance company covers any expenses. If you choose a higher deductible (i.e. take on more of the cost of a loss yourself) this will reduce your insurance premiums.

Testimonials

"Great service, a place where you are treated as a customer and not just a number."
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Carolyn H Google Review
"The service I received from Stacie at Archway Insurance was more than excellent. The service was fast and Stacie was very knowledgeable and helped educate me on what I needed to do. I would highly recommend this company for your insurance needs. They are exceptional."
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Karen S Google Review
"Customer service at Archway is exceptional. I have always had positive experiences and the staff are professional, responsive and courteous. Would highly recommend them."
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Michelle L Google Review
"Excellent service! Very attentive to my family's needs."
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Darren C Google Review
"Painless transaction. Had to sign a form. Was in and out in 3 mins."
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Mike W Google Review
"We live in Ontario and my son is attending College in Sydney which made arranging insurance a bit more difficult. Archway was amazing, the Customer Service I received was top notch. Great people to deal with."
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