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Car insurance is a contract that allows you to transfer the risk of a loss to an insurance company for an up-front fee called a premium. Insurance companies use several different rating criteria to determine how much premium you need to pay for the level of risk—if they calculate that you have an elevated chance of getting into an accident, you’ll likely have to pay more for insurance.

While it seems fairly straight forward, there are some important steps to follow when purchasing this type of insurance. Rates always vary between different insurance companies for the same driver, for what seems to be no reason at all. This is because insurance companies have different risk pools (some have more losses than others), profit margins, and rating criteria.


It’s crucial to shop around and compare rates from several different companies. Purchasing car insurance in North Bay is no different—at North Bay Insurance, we have access to a wide ranges of insurance companies in order to find you the lowest rate, for the right coverage.

It’s simple: just fill out our instant car insurance quote form—it takes just a few minutes and we only require a few different pieces of information: name, age, gender, postal code, and vehicle. Based on this, we instantly compare rates from up to 25 different companies, and one of our brokers will call you to answer any questions you might have.

Unlike other insurance companies, our brokers work for you, not an insurance company. Our brokers are located in North Bay—not a call centre in Toronto—so we can provide you the local, personalized service you deserve.


  • Be sure to keep a clean driving record: claims and convictions are the main contributor to increased premiums.
  • Shop smart for your vehicle: expensive cars are usually more expensive to repair, and car insurance companies factor this into your premium. Sports cars are more expensive as well, because companies know that drivers of sports cars like the thrill of speed.
  • Don’t speed & drive dangerously
  • Pick a higher deductible: the more risk you’re willing to take on yourself, the more you can save.
  • Most importantly, you need to shop around!

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We do not work for one bank or underwriter – We work for YOU!



Your home represents a large portion of your net worth. Be sure to protect it with the right insurance policy.

Home Sweet Home!


You can purchase boat insurance to help protect you from physical damage perils and personal liability.

To The Water!


Insurance provides protection against damage, insurance and liabilities that may result from accidents.

Hit The Trails!


Protect your possessions with tenants insurance, and you could end up saving thousands in the event of a claim.

Peace of Mind

Have Any Questions?

We pride ourselves in making this process as simple as possible! Our knowledgeable, local brokers are on hand to answer absolutely any coverage questions you have. Leave us a message here or give us a call today!