Auto Insurance in Guelph

Protection you need with coverages you want.

Protect your family and your vehicles from harm with car insurance that covers all your needs in Guelph, Kitchener-Waterloo Oakville, Burlington, and Milton.

Our team of insurance experts will review your unique situation, compare different coverage plans, and help you find the appropriate car insurance so you can cover everything from replacement vehicles to repairs after vandalism.

You can rely on our experience in the industry to find the ideal insurance that protects your vehicles and your family.

Find the Right Auto Insurance Plan

You deserve an affordable auto insurance plan that protects you if you become injured, covers your car if it becomes damaged, and protects other people and property.

Our brokers can connect you with affordable plans that range from personal vehicles to commercial fleets. No matter which type of auto insurance you need, we’ll make sure you feel comfortable with sufficient coverage.

Auto Insurance: Fiction or Fact: Close up front of new silver car parking on the asphalt road
The Jeffery & Spence team are true professionals who are dedicated to making sure you have an awesome experience. Working with their team has been great and I would highly recommend them to anyone! 10/10 - keep up the great work Jeffery & Spence.read more
Ryan Vielma
Ryan Vielma
21:03 15 Feb 19
My family and I have been insured through Jeffery and Spence for 14 years, and we will all always be loyal clients to this wonderful brokerage.read more
Ashlean Richardson
Ashlean Richardson
17:50 27 Nov 18
Have been with them for ages and wouldn't hesitate to recommend them to anyone. I have also gladly referred friends to them and they have taken good care of them as well!read more
Jason Shaw
Jason Shaw
20:38 02 Jan 18
شركة تامين لا باس
Ali SIDO
Ali SIDO
03:57 11 Feb 19
unbelievable service, literally saved a client of mine from a major catastrophe, highly recommend. Kyla was amazing
Andra Arnold
Andra Arnold
17:19 18 Apr 19
Excellent Customer service and communications, staff here makes me feel like part of the J&F family, highly recommend!
Rain Zhang
Rain Zhang
14:21 29 May 19
Excellent Customer service and communications, staff here makes me feel like part of the Jeffery&Spence family, highly recommend!read more
Rain Zhang
Rain Zhang
14:39 29 May 19
Awesome service, friendly advice and get what you need fast. Been a customer for over 10 years now.
Brock Parker
Brock Parker
16:03 27 Jun 19
Awesome service, friendly advice and get what you need fast. Been a customer for over 10 years now.
Brock Parker
Brock Parker
16:03 27 Jun 19
Ashlean made shopping for insurance so easy and stress free! From start to finish she was courteous and professional, listened to our needs and communicated with us every step of the way, all while finding us the best ratesread more
Chloe McKnight
Chloe McKnight
22:42 22 Jul 19
The Jeffery & Spence team is wonderful. They have insured my assets for over 4 years. When I switched over from my old provider they made it easy. They were honest and reliable. I started simply with a call out for car insurance. They were able to take a look at 5+ companies and make sure I had the proper coverage and at a great price. (They beat my old provider by $300). Slowly and surely as other asset insurance policies were coming to an end (home, business, additional vehicles) it only made sense to call over and get a quote. Additionally there is customer service like no other. I call in frequently for updates and questions and whether it’s the front desk or managers I have never felt like I was asking a stupid question. Jeffery & Spence is awesome and you owe it to yourself to just give them a call....even if your not from Guelph!read more
Corey Pavao
Corey Pavao
13:59 23 Oct 19
So over the moon happy with these guys. Specifically Dave. I was a first timer today, extremely nervous about taking another step toward “audulting” by getting my own auto insurance. And when I say nervous, I mean NERVOUS. Dave was MORE than helpful. His personality put me at ease, and the way he explained things made me go from feeling anxious to comfortable. Dave did more than help me get my own insurance. Dave made me feel like it was just a normal conversation between people. Where as other conversations have gone with other companies, I felt like a stupid kid in their 20s that didn’t know what they were doing. It’s comforting to know that now, in the future, when I need home insurance, etc. I know who to call. Thanks a million Dave.read more
Jaymee Indoe
Jaymee Indoe
18:55 21 Nov 19
Ashlean is so great to work with and she makes insurance easily accessible. I love all of the work they do in the community too. Check them out!!!read more
Heather Smart
Heather Smart
16:41 01 Dec 19
Awesome service! Jeffrey helped me find a solution for my insurance ASAP after I had such a poor experience with my previous insurer.read more
Jennifer A-M
Jennifer A-M
04:25 04 Dec 19
Expedient, professional and tailored to my needs. Highly recommend.
Annie Wong
Annie Wong
15:38 10 Dec 19
Met with Dave Jutzi and he was an absolute pleasure to work with! He created a plan to MY needs and MY budget! No pressure on me whatsoever and he really looked out for my best interest. If you're looking for extremely affordable auto and home insurance, DEFINITELY go see Dave!read more
Simon McGhee
Simon McGhee
16:38 21 Jan 20
My only regret was not calling them sooner. Ashlean Richardson went above and beyond for my company. I felt like they took me and my time very seriously and I appreciated that. Would highly recommend to my friends and family.read more
Kevin Wilkins
Kevin Wilkins
13:40 14 Apr 20
Ashlean was great to work with she was very helpful and prompt with all her responses; she was able to make a stressful situation go by very smoothlyread more
Haily Rice
Haily Rice
16:09 29 May 20
Been with Jeffery & Spence nearly 50 years and they have looked after all my insurance needs in a very professional manner. Hope to be with them another 50 years but at 83 y.o. that's not likely to happen.read more
Mario Bonifacio
Mario Bonifacio
13:18 19 Jul 21
Excellent company to work with! Geoff is professional, patient, and responded immediately to my needs.
Debbie Bianchi
Debbie Bianchi
12:26 21 Aug 21
Great service, quick response and best rates. Excellent job Jason DiReto 👏.
Asaad Yousiph
Asaad Yousiph
13:23 06 Jul 21
I wish I had found this broker earlier than I did. They make dealing with insurance such an easy and seamless experience. We are fortunate to work with Geoff; after every interaction with him, we always talk about how lucky we are to have him take care of our insurance needs. 5 stars all the way!read more
Luis Ribeiro
Luis Ribeiro
20:43 08 Oct 20

Coverage Options for Auto Insurance

In Ontario, some auto insurance is mandatory and some is optional. Our brokers will help you find the right combination of auto insurance for each vehicle you own.

Selected coverage options include:

Liability Coverage

Protects you and your family in the event of a car accident. Covers damages to another person if an accident is your fault.

Accident Benefits

Covers medical needs and more if you are injured or killed in a car accident.

Uninsured/Underinsured Driver Protection

Protects you and your family if you are injured or killed by an uninsured or unidentified driver.

Collision Protection

Pays for damages to your vehicle after an accident. It is recommended coverage if your vehicle would be expensive to replace.

Comprehensive Coverage

Protects you against damages to your vehicle from problems beyond car accidents, such as theft.

Additional Auto Insurance Coverage

Many insurance companies also offer additional coverage, including roadside assistance, accident forgiveness, and conviction protection. Our team will be happy to review additional coverage options with you.

Save Money, Save Worry

When you call or visit us, you won’t speak with a recorded message. Our goal is to always offer advice and service in a friendly, personal manner. When you work with our brokers, you’ll have nearly a century of company experience behind you.

Our experts will work to save you money by locating discounted coverage options when you combine your car insurance plan with your home or tenants policy. Other insurance discounts can be based on make, model, and year of your vehicle, as well as how you use your vehicle, how many drivers you’re insuring, and your driving history.

Contact the auto insurance experts at Jeffery & Spence today to discuss your coverage options.

Auto Insurance FAQs

Can anyone drive my vehicle?

As an owner of a vehicle, you can let anyone with a valid driver’s license operate your vehicle.  However, if they are involved in an accident, it is your responsibility should a claim occur and it will be your insurance policy and insurance history record that will be affected. If this driver lives in the same household, or is a regular or frequent driver, they should be added to your policy.

Does a red car make my auto insurance more expensive?

No, the colour of the vehicle has no impact on the premium.

What does no fault insurance mean?

No fault insurance means that, regardless of whose fault an accident is, it is the driver’s own insurance company that responds to the claim. In the event of injuries that require medical rehabilitation and other expenses, coverage would be available under the injured person’s own insurance policy. The person who is at-fault may see a rate increase due to the fault being assigned to them.

How does an at-fault accident affect my rates?

Depending on how many years you have been licensed, one at-fault accident could significantly impact your auto insurance rates. The premium increases can compound if you incur any highway traffic violations. Depending on driver qualification, there may be options for purchasing an accident forgiveness extension or a minor conviction protector.

My car is a year older. Why have my rates have gone up?

In general terms, only a portion of the insurance premium you pay has to do with the actual vehicle value. The other premiums relate to liability, accident benefits, and any coverages you choose, such as optional accident benefits, rental car coverage, and accident forgiveness.

Increases in cost of claims related to such things as legal expenses, medical and rehabilitation of injured person, and fraud, along with the increases in expenses of repairs to vehicles are having a dramatic impact in the overall cost of claims. These costs will have a definitive impact on your rates.

Am I covered for natural disasters?

Some natural disasters are covered under a standard home insurance policy. For example, wind damage caused by a tornado or a hurricane is covered automatically, while earthquake and flood require specific coverages to be added to your policy.

Still have questions?