Summer is the time to start bringing out fancy seasonal cars and taking road trips with the windows down. That being said, it is also time to hit the refresh button on your auto insurance. At Cayuga Mutual, you can obtain an online car insurance quote and make sure that you are fully ready to drive into the sunset, completely protected.

Why should I get auto insurance?

Obtaining auto insurance is a responsible thing to do because you never know what can happen on any given day. Most people would like to think that they would never need to worry because they are a good driver, but the fact of the matter is that anything can happen. For starters, accidents can happen! Whether it is the other individual’s fault or your own, you should stay protected from the “what ifs”. On top of that, it is way more costly to pay out of pocket for damages when it could have saved your wallet the grief with the right auto insurance.

When to get auto insurance?

It is important to get your auto insurance before you even drive your new car home. Yes, you can technically purchase the car without insurance, but in Canada, it is illegal to drive an uninsured car. With the help of Cayuga Mutual, we will ensure that you will be equipped with the best car insurance.

What type of coverage do I need?

Cayuga Mutual offers a variety of auto insurance that will fit your specific needs. Below are the insurance types offered, and the situations they fit best in. For more information, our agents are happy to speak with you to answer any questions.

PRIVATE PASSENGER

In Ontario, the provincial government has established a standard Auto Insurance Policy that all companies offer. It was designed to give you and your loved one’s basic protection, but there are still a lot of options you can add to enhance your coverage.

Your basic Private Passenger Policy covers:

  • Third-Party Liability
  • Statutory Accident Benefits
  • Direct Compensation & Property Damage
  • Uninsured Automobiles
  • Roadside Assistance (when Collision/Upset & Comprehensive coverage are purchased)

COMMERCIAL VEHICLE

Your own personal vehicle insurance does not fully cover you when using it for business purposes. Commercial Vehicle is a separate policy that provides you and your employees’ protection in case of an accident.

Your basic Commercial Vehicle covers:

  • Third-Party Liability
  • Statutory Accident Benefits
  • Direct Compensation & Property Damage
  • Uninsured Automobiles

CLASSIC AUTO

Your classic car is your passion and with so much time and effort invested, it makes sense to protect your investment with the right classic car insurance coverage at the right price.

Your basic Classic Automobile Policy covers:

  • Third-Party Liability
  • Statutory Accident Benefits
  • Direct Compensation & Property Damage
  • Uninsured Automobile

RECREATIONAL VEHICLES

If your ideal escape involves an RV, you can relax even more knowing you have the protection you’ll need for your adventures.

We have many options for your home on wheels, be it recreational vehicle, motor home, or travel trailer. Whether it’s a Class A, Class B or Class C motor home, there are great choices for the protection you need.

Your basic Recreational Vehicle Policy covers:

  • Third-Party Liability
  • Statutory Accident Benefits
  • Direct Compensation & Property Damage
  • Uninsured Automobile

MOTORCYCLES

Whether you own a cruiser, touring, grand touring or trail bike, you have great options to choose from so that you can spend more time enjoying the open road with the protection you need.

Your basic Motorcycle Policy covers:

  • Third-Party Liability
  • Statutory Accident Benefits
  • Direct Compensation & Property Damage
  • Uninsured Automobile

ALL-TERRAIN VEHICLES & SNOWMOBILES

Explore wide-open fields or fresh snowy trails with the protection you and your vehicle need! Designed for your peace of mind, you have great coverage options available to help protect you.

Your basic All-Terrain or Snowmobile Policy covers:

  • Third-Party Liability
  • Statutory Accident Benefits
  • Direct Compensation & Property Damage
  • Uninsured Automobile

Protect your prized automobiles with auto insurance

Get ready to hit the road this summer with fresh auto insurance from Cayuga Mutual. With a variety of insurance types, we are here to guide you to the best protection plan so that you can focus on the drive, and less on the technical aspects of owning an automobile.

Frequently Asked Questions:

What is classic car insurance under 25 in Ontario?

Classic car insurance in Ontario requires the majority of cars to be at least 25 years old. Classic cars are considered collectible. A classic car insurance holder needs to have at least 10 years of driving experience on the road to be eligible. Contact Cayuga Mutual Insurance for a free classic insurance quote.