Whitby Auto Insurance

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Auto Insurance in Whitby: Why it Matters

Before you can hit the open road, you should know that it is mandatory to have auto insurance in Whitby. Coverage for your vehicle is essential to protecting you and your investments both while driving and while your car is stationed in your garage, driveway, or in storage. Ontario has the most drivers than any other province in Canada and due to this often sees the highest costs come renewal time for their auto insurance. Whitby residents need not despair. There are many ways you can cut costs on your auto insurance in Whitby without having to sacrifice any necessary coverage. Enter McCAM: our auto insurance brokers in Whitby help you get the coverage that you need. We know that not everyone can be an expert in insurance and with McCAM you don’t have to be! Let us look after the insurance.

McCAM can help find you competitive auto insurance quotes in Whitby so that you don’t need to spend the time looking yourself. You might be surprised by how different some quotes end up being. This is why it’s important to work with an expert like McCAM. Our expert advice and professionalism are unmatched by any other insurance brokers in the industry.

McCAM services all different towns mainly in the Durham Region, including Ajax, Brock, Clarington, Hamilton, Markham, Pickering, Richmond Hill, Scarborough, Scugog, Stoufville, Oshawa, GTA Toronto, Unionville, Uxbridge, and Whitby. Get in touch with us today and let us show you why you can trust in us to find you a home insurance program that works for you. We understand the changing needs of our clients and can help be your advisor when it comes to acquiring insurance and assisting you through the claims process so that you can get your settlement easier and faster. Home insurance in Whitby has never been easier than it is with McCAM.

Whitby Auto Insurance 101: A Guide

What is auto insurance? Whitby drivers may not need a comprehensive understanding of their insurance when McCAM is there to help them out but it does good to know the basics. Auto insurance, like any other personal insurance, is an agreement between you and your insurance provider which protects you from financial loss as a result of a number of risks highlighted in your policy. With Whitby auto insurance you may have coverage for the following:


This may cover some or all of the total cost of treatment for injuries, rehabilitation, funeral expenses or even lost wages as a result of an incident while operating your motor vehicle. This coverage may be known as accident benefits.


This may cover your automobile’s physical structure from damage as a result of an accident or collision and even vandalism.


This may cover you from liability expenses as a result of injuries or damages you caused while operating your motor vehicle.

Sewer-backup Coverage:

Oftentimes water damage resulting from clogged sewer lines will not be included in your average Whitby home insurance policy but can be added for an additional cost. This endorsement may protect your home from losses as a result of water escape or rupture from septic system, sump pump, drain or sewer.

Your auto insurance may cover you and your family members or anyone else listed on your policy. However your Whitby auto insurance may only cover you so long as your commuting purposes are strictly personal and not for business reasons. For this, you may need to acquire insurance through the delivery service you work for or acquire a commercial vehicle insurance policy. Discuss with McCAM’s auto insurance brokers in Whitby about what you need. Every car and every person is different, so no one insurance policy should be the same!

Tips & Tricks for Managing Your Whitby Auto Insurance Costs

McCAM’s auto insurance brokers in Whitby are professionals and well-versed in all things personal insurance. If you are looking for ways to manage your auto insurance in Whitby but don’t want to sacrifice any coverage, trust in us. Here are a few ways you can manage your costs:

  • Work with an insurance brokerage like McCAM to help you shop around for competitive auto insurance quotes in Whitby. Coverage will differ depending on the policy and not every insurance plan has the same price tag. By working with some of McCAM’s auto insurance brokers in Whitby you may be able to find quotes not available on the general market. This way you can also ensure that the plan you get is the plan which fits your needs.
  • Purchase your auto insurance and home insurance through the same provider. Chances are that your insurer will offer you a reduction if you have both your home and auto insurance through them. They may also offer you a discount if you have multiple vehicles insured through them.
  • Discuss with your broker if you are eligible for any discounts. Discounts may include low mileage, group plans, driver’s ed, no or few claims, and more.
  • Your location may also be a factor in how much you pay for your insurance. For instance, if you live in an area that often sees high crime rates you might consider the possibility of purchasing anti-theft devices to decrease your chance of theft or vandalism. Your provider may even offer you a discount if you include these devices.
  • Consider the amount of deductible you have chosen for your policy. The higher your deductible the lower your overall auto insurance costs will be so you can manage your expenses by opting for a higher deductible. Keep in mind that this means you will need to pay out more if you need to make a claim so this amount should always be reasonable and within your budget.
  • Maintain a good driving record. Sometimes this can mean using your car less; for instance, opting to take public transit where possible, excluding high-risk drivers from your policy or drivers who are younger or newer to driving, etc.

McCAM’s auto insurance brokers in Whitby will be able to help provide you with more ways you can manage your overall costs. Discuss with us today for more tips and tricks.

Free Auto Insurance Quotes Whitby Residents Can Count On

McCAM Insurance are some of the best auto insurance brokers in Whitby and the surrounding area. You can always trust in us to find you competitive quotes with coverage that is suited to the particular requirements of your automobile and you.

The auto insurance brokers in Whitby at McCAM help you understand the ins and outs of your coverage so that you are never left wondering if your coverage is enough. Get competitive – free – auto insurance quotes in Whitby by applying online today. Coverage you can depend on is only a few clicks away.

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We are open, but our physical office is closed due to COVID-19.

We have been in business for 107 years. We continue to be here for you now. Our staff are currently working from home. Our physical office is closed to the public due to COVID-19. For staff contact information, please click this direct link:


For those calling into the office, you can reach us at 905-579-0111.

We are unable to accept cash payments at the moment. To pay please mail cheque, or send us an etransfer by doing the following:

  1. Email payment to loriann.prebble@mccaminsurance.com
  2. Reference your name and policy number
  3. Security password must be McCam1

Thank You.