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From daily commutes on Talbot Street to weekend trips through Elgin County, Regal Insurance helps St. Thomas drivers stay protected on the road. Whether you’re a new driver, a family with multiple cars, or shopping for savings, our brokers compare Canada’s top insurers to find a policy that fits your needs and budget.
Our St. Thomas brokers help you unlock discounts, from safe-driver and multi-vehicle savings to home and auto bundles, so you get the coverage you need at a price that makes sense. With local expertise, we know the risks St. Thomas drivers face every day—from busy commutes to winter road conditions—and tailor coverage to match.
Managing your car insurance shouldn’t be a hassle. At Regal, you can get a quote, adjust your coverage, and renew your policy online anytime—or connect with a local St. Thomas broker when you’d rather talk it through.
We partner with Canada’s top auto insurance providers so you can compare quotes side by side, choose the best coverage for your needs, and lock in a competitive rate, without the hassle.
In St. Thomas, auto insurance isn’t optional—it’s the law. But knowing exactly what your policy includes brings peace of mind when the unexpected happens. From daily commutes along Talbot Street to drives through Elgin County, the right protection ensures you’re covered wherever you go.
Our St. Thomas team takes the time to sit down with you, listen to your needs, and explain your options in plain language. Whether you’re insuring your first car, protecting a growing business, or planning for the future, we’ll build a policy around you, not the other way around.
Provides compensation if you’re injured in a car accident, regardless of who was at fault. This includes coverage for medical treatment, rehabilitation, income replacement, attendant care, and other benefits related to recovery. You can customize or increase these benefits based on your needs.
DCPD Covers damage to your vehicle and its contents when another driver is at fault, provided the accident occurs in Ontario and the other driver is insured. Rather than going through the other person’s insurer, you deal directly with your own, which simplifies the claims process.
Protects you if you’re involved in a hit-and-run or a collision with an uninsured driver. It provides coverage for injuries to you or your passengers, and may also cover damage to your vehicle caused by an uninsured motorist.
Covers the cost of repairing or replacing your own car if you’re involved in a collision, whether you’re at fault or not. This includes accidents with other vehicles or objects like guardrails, poles, or curbs.
Protects your vehicle from non-collision-related damage, such as theft, vandalism, fire, falling objects, or severe weather events (like hail or flooding). If something unexpected happens when you’re not driving, this is the coverage that steps in.
Covers the cost of a rental car or alternative transportation if your vehicle is being repaired due to a covered claim (like collision or comprehensive damage). This keeps you mobile while your car is in the shop.
Provides help if you’re stranded on the road. Depending on the insurer, this can include towing, battery boosts, flat tire changes, lockout assistance, and fuel delivery. It’s a convenient add-on that gives peace of mind during unexpected breakdowns.
Already a Regal Insurance Brokers client? Access the tools you need—fast. Whether you want to file a claim, update your policy, or speak with your broker, we make it easy to stay protected and informed.
Get step-by-step guidance and support when you need it most. Start your claim online or speak to an expert.
Pay your premium with confidence using our secure online payment system.
Log in to view, download, or print your policy documents whenever you need them.
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Regal Insurance is your independent Ontario auto broker, focused on people, not platforms. We’re not just another insurance comparison site. Our licensed brokers work for you, not the insurers, delivering smarter guidance and better rates.
A Regal Insurance Broker will help you compare quotes from trusted Canadian providers, avoid unnecessary coverage and save money on your premiums. Speak with real experts who understand Ontario roads
From quote to claim, Regal is with you every step of the way, whether online, by phone, or in person.
Proudly serving drivers across Ontario—from Kitchener and London to Mount Brydges, Cambridge, and Oakville—we’re committed to helping you drive protected.
Regal Insurance makes it simple to get reliable coverage no matter where you live. With local expertise and digital convenience, our brokers are here to support drivers across every community we serve.
Car insurance rates in St. Thomas depend on your driving history, the type of vehicle you own, and how often you use it. Location also matters, with commuting on Talbot Street, Highway 3, or into London influencing premiums. On average, St. Thomas drivers pay rates similar to the Ontario provincial average, but Regal Insurance helps reduce costs by comparing quotes from Canada’s top insurers to find the right policy for your budget.
Yes. Many St. Thomas residents save by bundling their home and auto insurance policies together. Bundling lowers overall premiums and makes managing your insurance simpler. Whether you live in the downtown core, Dalewood, or across Elgin County, Regal Insurance brokers will find bundle-and-save options designed for your situation.
St. Thomas drivers can take advantage of several discounts to reduce car insurance costs. Common options include safe driver discounts, multi-vehicle savings, and loyalty benefits. Additional discounts may apply for winter tires, installing anti-theft devices, or bundling multiple policies. Regal Insurance brokers make sure you receive every discount available.
Yes, commuting routes are part of how insurers calculate premiums. Regular trips along Talbot Street, Highway 3, or into London mean more time on busy roads, which increases risk. Regal brokers help St. Thomas drivers find policies that reflect their commute while keeping rates affordable.
Switching your auto insurance to Regal is straightforward. Begin with a free quote online or by phone, and our brokers will compare rates from Canada’s leading insurers. If you decide to switch, Regal will handle the details, including cancelling your old policy and arranging your new one so you remain fully protected. Many St. Thomas drivers switch at renewal, but you can also move mid-policy if savings are available.
No. Regal Insurance is an independent brokerage that works with many of Canada’s top insurers. This independence allows our St. Thomas brokers to compare a wide range of providers and secure the best combination of coverage and cost for each client.
Buying auto insurance online may be quick, but working with a local St. Thomas broker offers both convenience and personal guidance. At Regal, you can start online, by phone, or in person, and our brokers will explain your options so you understand exactly what you are paying for. Many St. Thomas drivers value the peace of mind of having a trusted local advisor to assist with claims or policy updates.
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