J.D. Smith Insurance

If you live in the GTA then you might want to consider J.D. Smith Insurance next time you go to renew your auto insurance coverage. They are located at 105 West Beaver Creek Road in Richmond Hill, Ontario. To reach their insurance offices call 1-800-917-7283 or 416-213-5701 if you are based in Toronto. The company currently serves more than 12,000 customers in the province. On the JD Smith Insurance website you can get quotes for automobile, homeowner, watercraft, and commercial insurance.

JD Smith insurance is an insurance brokerage, which means they sell insurance products from a number of different companies in Canada. The companies they represent include The Dominion of Canada General Insurance, Pilot Insurance Company, ING Canada, Ecclesiastical Insurance, The St. Paul, Aviva Elite, Perth Insurance, JEVCO, and York Fire Insurance.

Commercial Insurance

JD Smith Insurance offers a number of industry insurance packages: car & truck fleet insurance, door & window manufacturers insurance, metal & welding insurance, contractor insurance, landscaping insurance, tool and die shop insurance, and retail/wholesale insurance.

Canadian Church Insurance

JD Smith has a church insurance package to help protect churches and non-profit groups in Canada. This church coverage includes property protection for buildings and content, as well as damages caused by flood, earthquakes, and sewer backup. This protection includes liability coverage for things like legal defence costs and for daycares and day camps. JD Smith only provides this coverage to Canadian churches.

Getting a Quote

You can get a quote for auto insurance in Ontario by visiting the JDS Insurance Brokers website. You must meet a few of the requirements first though. For example, you cannot have more than six tickets in the last three years or more than one “at-fault” accident in the last year. You must also have had a G2 licence for at least one year. JD Smith Insurance recommends that you try getting a quote from Chieftain Insurance if you’re looking for the most affordable coverage. They also recommend that you try raising your deductible to $1,000 if you are looking for the cheapest rates. Weigh out your options before raising your deductibles because it could end being quite expensive if you do need to make a claim.

Discounts from JDS Insurance

There are lots of discounts available through JD Smith Insurance. If you need to insure more than one vehicle then take advantage of the multi-vehicle insurance discount. Combining (or “bundling”) your home and auto insurance can give you even greater savings. If you are over the age of 45 then there may be mature driver discounts. If you have a very short commute or if you work from home then there will be discounts for limited use of your vehicle. You might also be able to find discounts from JD Smith if you have no accidents and less than 2 tickets in the last 6 years.