Honda Auto Insurance
Insuring Hondas and Acuras In Mississauga, Oakville and Burlington since 2009
The insurance brokers at Ambroziak & Rao are big fans of Honda vehicles. Honda produces some of the most reliable, good looking and sporty vehicles on the market made for the everyday person. They have been creating vehicles in Canada since March 11, 1969!
Not only does Honda have some of the best selling vehicles in Canada such as the Civic, Accord and CR-V, but they produce excellent track vehicles such as the Civic Type R and have a dedicated racing company called Honda Racing Corporation (HRC). This is a Japanese car company which makes their vehicles with great pride till this day.
Insuring one however, is a different story. These vehicles are on the expensive side of the insurance premium chart. At Ambroziak & Rao, we will help you keep your insurance costs low.
Visit our office at 250 Dundas St W Suite 408, Mississauga ON L5B 1J2 or call 905 366 0066.
Get The Best Honda Insurance Rates
Get quotes from multiple insurance companies to see which one offers the best rate.
Home Insurance Bundle
Bundle your Honda insurance with your property policy to get more savings!
Remove The High-Theft Surcharge
Speak with our team and find out how to avoid the High-Theft risk surcharge
High-Risk Insurance For Hondas
Are you a high-risk driver purchasing a Honda? We can help.
Honda Auto Insurance Quote
T: (905) 366 0066
F: (905) 276 5373
250 Dundas St W Suite 408 Mississauga ON L5B 1J2
“Get The Best Honda and Acura Insurance Rates By Comparing Multiple Companies”
Why Are Hondas So Expensive To Insure?
The Ambroziak & Rao team gets calls about insuring all models of Hondas almost every day. Many clients ask about rates and are then surprised to find out that insurance companies charge more for Hondas and Acuras (Honda Company). With many sophisticated driver-assistance features such as blind spot detection and lane keep assist, many believe insurance should be lower.
The reality is that Hondas and Acuras are some of the most reliable vehicles in the market. Their manufacturing success and popularity can also be a downside as they are a prime target for theft. Honda theft got so bad at one point in 2022 that the insurance companies had to introduce a brand new surcharge for many vehicles called the High Theft Risk surcharge. These surcharges ranged from $500 per year to $1500 per year! The only way to remove these surcharges was to purchased an approved anti-theft device such as TAG.
The other major reason that Hondas and Acuras are expensive to insure is that the drivers purchasing them seem to be getting into more accidents than other vehicles. The Civic is one of the most sold cars in Canada and with it’s reliability and “coolness” factor, many young drivers purchase them. Young drivers are statistically more likely to get into a claim.
Repair costs also contribute to expensive insurance premiums for Hondas. Gone are the days where a small fender bender costs $300 to repair. With all these advanced safety features which are often located in the bumpers, even a small accident costs thousands to replace sensors, bumpers, match paints and calibrate everything. These new technologies require advanced knowledge and specific tools to repair which increases labor costs as well.
How To Get The Best Honda Insurance Rates
Reducing your auto insurance rates on your Honda or Acura vehicles is simple but not always easy. The most effective way to reduce your rate is by having a broker shop the market for you. That is where the most significant savings occur.
- Have an insurance broker shop the market for your Honda. Once you have your VIN and know exactly the model you are looking to buy, your first step is to contact a knowledgeable insurance broker who will see which insurance company offers the best premiums for your vehicle. Once that is known, we can continue to further reduce costs.
- Remove any surcharges for your Honda model. Not all models will have a surcharge but they are common on newer Civics, CR-Vs and Accords. Certain Acura models may have them as well.
- Ensure all discounts are added including the multi-vehicle, multi-policy, drivers training (if you recently got your license) and green discounts if your Honda is a hybrid.
- Consider raising your deductibles as long as it meets the requirements of your finance and leasing company.
- Maintain a clean driving and insurance record. It will be tough to get good rates on your Honda vehicle if you have accidents and tickets. It’s not always possible, but do your best to keep a clean record.
If you are looking for a quote on your Honda or Acura and need help reducing your rates, call our team of experts at 905 366 0066.
Common Coverage and Endorsement Options for Honda Owners
Insuring a Honda or Acura may be more expensive than other similar brands, however with their reliability ratings, you will likely save more on maintenance costs. As these are good quality vehicles which should last a long time, its important to insure them correctly. Below are several popular coverage options that Honda and Acura owners commonly purchase on their auto insurance:
- Claim forgiveness. Many Honda owners are younger and a claim is statistically more likely. If you qualify for accident forgiveness, it could save you thousands per year if you are involved in an at-fault claim.
- Ride share. Many Uber or Lyft users purchase Civics, CR-Vs, Pilots and Accords. It’s very important that the insurance company is aware of this.
- Full coverage (Collision and Comprehensive). If you want to keep your Honda for a long time, it’s a good idea to have collision and comprehensive coverage added to your auto insurance policy.
- OPCF 43. This coverage covers your brand new vehicle for the full cost (as per bill of sale) if deemed total loss for 24 months.
Every driver’s situation is different and it’s always best to speak with a licensed insurance broker who is knowledgeable with Hondas and Acuras. Call us at 905 366 0066 or stop by our Mississauga office at 250 Dundas St W Suite 408, Mississauga ON L5B 1J2.
What Honda and Acura Models Does Ambroziak & Rao Insure?
The team at Ambroziak & Rao has been insuring all Honda and Acura models including vehicles such as ATVs, snowmobiles and motorcycles. Some of the most popular Hondas and Acuras that our team insures almost daily include:
Honda:
- Civic
- CR-V
- HR-V
- Accord
- Pilot
- Honda’s hybrid lineup
- Civic Type R
- Ridgeline
- Prologue
- Odyssey
Acura:
- TLX
- Integra
- Integra Type S
- ADX
- RDX
- MDX
- ZDX
Call our team at 905 366 0066 for a quote on your Honda or Acura vehicle.
Customer Success
Margaret Bara
T: (905) 366 0066
F: (905) 276 5373
E: mbara@pbnet.ca
Customer Service
Anu Kaur
T: (905) 366 0066
F: (905) 276 5373
E: akaur@pbnet.ca
Customer Success
Teresa Klubinski
T: (905) 366 7530
F: (905) 276 5373
E: teresak@pbnet.ca
Director & Lead Broker
Lidia Ambroziak
T: (905) 276 9597
C: (416) 737 9647
E: lidiaa@pbnet.ca
Director & Lead Broker
Harish Rao
T: (905) 276 9495
C: (416) 420 2383
E: hrao@pbnet.ca
Why Ambroziak & Rao?
Our team includes several car enthusiasts and specifically Honda fans. We have been insuring Hondas and Acuras since our doors opened in 2009.
Dedicated Broker
You will be assigned a licensed insurance broker who will offer the best rates for your Honda and help service your insurance policy in the future.
Fast Quotes
We understand you may be picking up your Honda very soon and we will help you get your policy and quotes done quick. We can issue binders same day.
Contact
Ambroziak & Rao prides itself on the communication it has with clients. We can be contacted via email, phone, text and respond very quickly! 905 366 0066.
Best Rates
As insurance brokers, we have access to many insurance companies with competitive rates which means we can offer the best rate for you!
Ambroziak & Rao Insurance Brokers Reviews
Frequently Asked Questions
We are more than happy to answer any and all of your Honda or Acura insurance related questions. Speak to one of our licensed insurance brokers today!
?
As established Mississauga insurance brokers, we have partnered up with Canadas largest and most trusted insurance companies. This means our brokers are able to shop your coverage requirements with multiple insurers all at once.
Yes, Ambroziak & Rao is a RIBO licensed insurance brokerage operating under license 3428. You can search us at the RIBO Brokerage Search.
The first step before creating an insurance policy is creating a quote. One of our experienced Mississauga insurance brokers will happily help you get competitive quotes from the largest insurance carriers in Canada.
Once a quote is completed and you are happy with the coverage and price, our team will create the applications, confirm your records and send the applications over to your email for e-signing.
Once signed, our team will review the policy and issue it with the insurance company.
Making changes to your insurance policy has never been easier!
Contact our team at 905 366 0066 and one of our customer success managers will happily assist you.
If you would like to call our team at Ambroziak & Rao Insurance Brokers, you can call 905 366 0066, or visit our Mississauga office at 250 Dundas St W Suite 408 Mississauga ON L5B 1J2.