Auto Insurance

Helping Ottawa and area residents drive with confidence

Get a Quote

Reliable and Affordable Auto Insurance

Smith Petrie Carr & Scott Insurance helps drivers in Ottawa and surrounding areas hit the road with peace of mind. As one of the largest independently-owned insurance brokers in Ontario, we have the expertise and insurer relationships to provide you with comprehensive and competitive auto insurance.

For more than 50 years, Smith Petrie Carr & Scott has been providing Ottawa and area drivers with exceptional and dependable auto insurance, which is mandatory by provincial law. You can rest assured that Smith Petrie Carr & Scott will secure the best coverage to protect you and your family every time you get behind the wheel.

Understanding Auto Insurance

Your auto insurance policy shouldn’t be confusing. Our expert auto insurance brokers will explain your policy in clear, easy-to-understand terms.

Auto insurance is mandatory in Ontario under provincial law—but Smith Petrie Carr & Scott does not offer a one-size-fits-all approach. Instead, we base auto insurance coverage on your personal circumstances and driver requirements, meaning you’ll get the best protection at the best rate for your needs.

Auto insurance can protect you and your responsibility as a driver as well as your vehicle—even when it is parked. Standard auto insurance includes third-party liability, statutory accident benefits, underinsured or uninsured motorist, and direct compensation property damage. Optional auto insurance coverages include comprehensive coverage, collision coverage and more.

FAQs: Answering Your Auto Insurance Questions

Auto insurance can sometimes be confusing; however, as it is required by provincial law, it’s important to familiarize yourself with the basics.

Here are answers to the most common auto insurance questions Smith Petrie Carr & Scott receives. One of our expert auto insurance brokers can respond if your specific question is not answered below.

Every vehicle and driver are different, meaning every auto insurance policy is different. Rates depended on several factors, including the type of vehicle, length of commute and driver experience. The average cost of auto insurance in Ottawa and surrounding areas is approximately $1,920 a year; however, you may pay more or less depending on things such as the vehicle your drive, how often and far you drive, and your experience behind the wheel.

All motorists, regardless of what they drive, are required to have auto insurance. Smith Petrie Carr & Scott offers auto insurance for a range of vehicles, including:

  • Cars
  • Vans
  • Trucks
  • Snowmobiles
  • Motorcycles
  • ATV’s
  • Specialty Vehicles
  • Antique Vehicles

Smith Petrie Carr & Scott understands the need to fit within a budget. There are ways to manage your insurance rates without sacrificing your auto insurance coverage. Please contact us to speak with a broker about your eligibility for discounts like:

  • Multi-policy
  • Mature Age
  • Multiple Vehicle
  • Conviction Free
  • Away at School
  • Farmer’s Discount
  • Graduated License
  • Loyal Client
  • Retiree
  • Alarm

Insurance providers take several factors into consideration when determining auto insurance rates. Some of the variables taken into consideration when calculating auto insurance premiums include:

  • Type of vehicle: The make and model, year, material it was made from, etc.
  • Driver experience: Newer drivers tend to see higher rates as they have less experience.
  • Demographics: Age and gender.
  • Length of commute: What distance does the vehicle travel every day and what is the primary use of the vehicle?
  • Past accidents: The number and severity of past accidents can affect rates.
  • Provincial stats: Higher distracted driving rates and more expensive vehicles on the road in Ontario can affect personal rates.

You may save on your rates by taking a driving course, modifying your commute by taking public transportation and practicing safe driving.

Smith Petrie Carr & Scott Offers Group Auto Insurance

Through Economical Insurance, Smith Petrie Carr & Scott partners with local organizations to tailor a group auto insurance plan to meet the collective needs of the group.

Some of the organizations that are part of the Smith Petrie Carr & Scott / Economical Insurance group auto insurance program include:

  • County of Carleton Law Association
  • Eastern Ontario Chiropractic Society
  • Kanata Chamber of Commerce
  • KOTT Group of Companies
  • Nordion
  • Taggart Group of Companies
  • The RA Centre
  • Invest Ottawa
  • National Association of Career Colleges

While participating in a group auto insurance program is strictly voluntary, Smith Petrie Carr & Scott has found that four out of five of those who receive a quote switch to the plan.

Benefits of Our Group Auto Insurance Program 

For the Employer/Association:

  • No costs to employer or association.
  • No extra administration required—Smith Petrie Carr & Scott handles all inquiries while Economical Insurance administers all payment options and claim settlements.
  • Enhances your total employee benefits package.
  • Increases the retention and recruitment of employees.

For Employees/Members:

  • Program is available to all full-time employees, dependents and retirees.
  • Group savings of up to 30 per cent off most competitors’ insurance product.
  • Additional discounts can reduce premiums up to 50 per cent, plus your group discount.
  • Convenient payment options with no service fees.
  • Superior 24-hour claims service across North America.

Smith Petrie Carr & Scott Understands Your Auto Insurance Needs

Our brokers are experts in auto insurance and will make sure you have the protection you need. You can trust Smith Petrie Carr & Scott to provide a full range of professional services, including:

  • Comprehensive and competitive auto insurance that is customized to you.
  • Dedicated claims support available 24 hours a day, seven days a week.
  • Knowledgeable brokers who stay on top of the evolving world of insurance and can provide the very best advice on available coverages.
  • A team-based approach that ensures fast and reliable service no matter what you need, be it a free auto insurance quote, to purchase a policy, to renew a policy or claims support.

As our client, you will always be our number one priority. Auto insurance is a long-haul and not a pit spot. Smith Petrie Carr & Scott will continually support and work with you to ensure you have the best coverage at the best rate.

Areas We Serve

Smith Petrie Carr & Scott is licensed in all provinces across Canada, and our partnerships allow us to offer diverse insurance products and quality services to our clients.

Auto Insurance

Helping Ottawa and area residents drive with confidence.

Get a Quote