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Things to Know Before Getting Caledon Car Insurance
If you’re planning to get car insurance in Caledon, Ontario, here are some things to keep in mind:
- Minimum coverage requirements: All drivers in Ontario are required by law to have a minimum amount of liability coverage. The standard minimum is $200,000 in liability coverage, but it’s recommended to get higher coverage limits for added protection.
- Insurance rates can vary: Insurance rates can vary significantly based on factors such as your age, driving record, the make and model of your vehicle, and even where you live in Caledon. Be sure to shop around and compare quotes from multiple insurance providers to find the best coverage at the most affordable price.
- Caledon is a high-risk area: Caledon is considered a high-risk area for car insurance, which means that rates may be higher than in some other parts of Ontario.
- Winter driving: Caledon experiences cold and snowy winters, which can make driving conditions hazardous. Be sure to have winter tires on your car and drive slowly and cautiously in snowy or icy conditions.
- Rural driving: Caledon is a mostly rural area, which means that some roads may be narrow or winding, and there may be wildlife on the roads. Be sure to drive with caution and keep an eye out for any animals on or near the road.
- Insurance brokers: Consider working with an independent insurance broker who specializes in car insurance in Caledon. They can help you find the best coverage options and rates based on your individual circumstances.
What is the Average Car Insurance Cost in Caledon?
According to recent data, the average annual car insurance premium in Caledon is $1,576.
Here’s the estimated monthly car insurance costs range for different driver profiles with a clean driving record in Caledon:
| Driver Profile | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| G1 Driver | $200 – $340 | $300 – $500 | $400 – $680 |
| G2 Driver | $120 – $200 | $180 – $300 | $240 – $400 |
| G | $100 – $170 | $150 – $250 | $200 – $340 |
| Teenage Driver | $200 – $340 | $300 – $500 | $400 – $680 |
| Young Driver | $120 – $200 | $180 – $300 | $240 – $400 |
| High-risk Driver | $250 – $425 | $375 – $625 | $500 – $850 |
| Occasional driver | $55 – $90 | $80 – $135 | $110 – $180 |
| Pleasure | $45 – $75 | $70 – $115 | $95 – $150 |
| Commuting | $80 – $135 | $120 – $200 | $160 – $270 |
| Good driver | $50 – $80 | $75 – $120 | $100 – $160 |
| Bad driver | $250 – $425 | $375 – $625 | $500 – $850 |
| New Driver | $150 – $250 | $225 – $375 | $300 – $500 |
| Secondary Driver | $60 – $100 | $90 – $150 | $120 – $200 |
| 17 Years Old | $200 – $340 | $300 – $500 | $400 – $680 |
| Seniors | $60 – $100 | $90 – $150 | $120 – $200 |
| Over 55 Years Old | $55 – $90 | $80 – $135 | $110 – $180 |
| Students | $120 – $200 | $180 – $300 | $240 – $400 |
| International Driver | $200 – $340 | $300 – $500 | $400 – $680 |
| Newcomers | $200 – $340 | $300 – $500 | $400 – $680 |
| Men Driver | $100 – $170 | $150 – $250 | $200 – $340 |
| Women Driver | $80 – $135 | $120 – $200 | $160 – $270 |
| Married Couples | $50 – $80 | $75 – $120 | $100 – $160 |
| Usage-Based | $50 – $80 | $75 – $120 | $100 – $160 |
| Uber/Lyft | $120 – $200 | $180 – $300 | $240 – $400 |
| Personal use | $50 – $80 | $75 – $120 | $100 – $160 |
| Business use | $80 – $135 | $120 – $200 | $160 – $270 |
Here’s the estimated monthly car insurance costs range for different types of cars in Caledon:
| Car Type | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| Sedan | $50 – $80 | $75 – $120 | $100 – $160 |
| Convertible | $60 – $100 | $90 – $150 | $120 – $200 |
| Hatchback | $45 – $75 | $70 – $115 | $95 – $150 |
| Wagon | $50 – $80 | $75 – $120 | $100 – $160 |
| Coupe | $55 – $90 | $80 – $135 | $110 – $180 |
| SUV | $65 – $110 | $100 – $170 | $135 – $220 |
| Truck | $55 – $90 | $80 – $135 | $110 – $180 |
| Minivan | $60 – $100 | $90 – $150 | $120 – $200 |
| Van | $55 – $90 | $80 – $135 | $110 – $180 |
| Electric Car | $70 – $120 | $110 – $185 | $150 – $250 |
| Hybrid Car | $65 – $110 | $100 – $170 | $135 – $220 |
| Multi Car | $50 – $80 | $75 – $120 | $100 – $160 |
| Exotic Car | $200 – $350 | $300 – $500 | $400 – $700 |
| Luxury Car | $150 – $250 | $225 – $375 | $300 – $500 |
| Classic Car | $80 – $135 | $120 – $200 | $160 – $270 |
| Vintage car | $90 – $150 | $135 – $225 | $180 – $300 |
| Sports Car | $100 – $170 | $150 – $250 | $200 – $340 |
| Leased Car | $60 – $100 | $90 – $150 | $120 – $200 |
| 2 Door | $55 – $90 | $80 – $135 | $110 – $180 |
Here’s the estimated monthly car insurance costs range in Caledon for a driver profile of age 35, married, based on their driving history:
| Driving History | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| 1 one at-fault accident | $70 – $120 | $110 – $185 | $150 – $250 |
| 2 one at-fault accidents | $85 – $145 | $130 – $220 | $175 – $290 |
| 1 non-fault accident | $50 – $80 | $75 – $120 | $100 – $160 |
| DUI conviction | $150 – $250 | $225 – $375 | $300 – $500 |
| 1 Speeding Ticket | $55 – $90 | $80 – $135 | $110 – $180 |
| 2 Speeding Tickets | $70 – $120 | $110 – $185 | $150 – $250 |
How Does Caledon’s Average Car Insurance Cost Compare to Other Cities?
The average cost of car insurance in Caledon, Ontario is influenced by various factors, including the level of risk associated with the area. While rates can vary depending on the individual circumstances of drivers, here is a comparison of Caledon’s average car insurance cost with some other cities in Ontario:
- Toronto: The average cost of car insurance in Toronto is around $1,800 to $2,500 per year, making it one of the most expensive cities in Ontario for car insurance.
- Brampton: Brampton is considered a high-risk area for car insurance, and as a result, the average cost of car insurance in Brampton is around $2,500 to $3,500 per year.
- Mississauga: The average cost of car insurance in Mississauga is around $1,800 to $2,500 per year, which is similar to Toronto.
- Oakville: The average cost of car insurance in Oakville is around $1,500 to $2,000 per year, which is slightly lower than Caledon.
- Burlington: The average cost of car insurance in Burlington is around $1,500 to $2,000 per year, which is similar to Caledon.
Which Cars Have the Cheapest Car Insurance in Caledon?
The cost of car insurance in Caledon, Ontario can vary depending on several factors, including the make and model of your vehicle. Here is a list of cars that typically have lower insurance rates in Caledon, along with their average annual insurance rates:
- Honda Civic – $1,200 to $1,700
- Toyota Corolla – $1,200 to $1,700
- Mazda3 – $1,200 to $1,700
- Ford Escape – $1,300 to $1,800
- Jeep Cherokee – $1,300 to $1,800
- Honda CR-V – $1,300 to $1,800
- Hyundai Elantra – $1,300 to $1,800
- Kia Forte – $1,300 to $1,800
- Nissan Sentra – $1,300 to $1,800
- Subaru Impreza – $1,300 to $1,800
How to Get the Cheapest Car Insurance in Caledon?
If you’re looking to get the cheapest car insurance in Caledon, Ontario, here are some tips to keep in mind:
- Shop around: The most important step to getting the cheapest car insurance in Caledon is to shop around and compare quotes from multiple insurance providers. You can use online comparison tools, work with an insurance broker, or contact insurers directly to get quotes.
- Choose the right coverage: While it’s important to have adequate coverage, selecting only the coverage you need can help you save money on your car insurance premiums. Be sure to evaluate your coverage needs carefully and consider selecting a higher deductible, which can help lower your premium.
- Maintain a clean driving record: One of the best ways to keep your car insurance rates low is to maintain a clean driving record. Avoid traffic violations and accidents to help keep your rates down.
- Bundle policies: Many insurance providers offer discounts for customers who bundle their auto insurance with other types of insurance, such as home insurance. Be sure to ask your provider if there are any discounts available for bundling your policies.
- Consider your vehicle: The make and model of your vehicle can impact your car insurance rates. Choosing a car that is less expensive to insure, such as a smaller or older model, can help keep your rates down.
- Look for discounts: Many insurers offer discounts for various factors, such as good grades for students, low mileage for drivers, and safety features on your vehicle. Be sure to ask your provider about any discounts that may be available to you.
Caledon Car Insurance Facts
Here are some car insurance facts that are specific to Caledon, Ontario:
- Caledon is considered a high-risk area: Caledon is known to be a high-risk area for car insurance, which means that rates can be higher than in some other parts of Ontario.
- Winter driving: Caledon experiences cold and snowy winters, which can make driving conditions hazardous. It’s important to have winter tires on your car and drive slowly and cautiously in snowy or icy conditions.
- Rural driving: Caledon is a mostly rural area, which means that some roads may be narrow or winding, and there may be wildlife on the roads. Be sure to drive with caution and keep an eye out for any animals on or near the road.
- Crime rates: While Caledon is generally a safe area, there have been reports of car theft and break-ins in the past. It’s important to take precautions to secure your vehicle, such as parking in well-lit areas and using anti-theft devices.
- Insurance brokers: There are several independent insurance brokers in Caledon that specialize in car insurance. Working with a broker can help you find the best coverage options and rates based on your individual circumstances.
- Insurance fraud: Insurance fraud is a serious issue in Ontario, and it can lead to higher premiums for all drivers. Be sure to report any suspected fraud to your insurance provider or the authorities.
List of Best Car Insurance Companies in Caledon
Here is a list of some of the best car insurance companies in Caledon, Ontario, along with their company descriptions and ratings:
- Allstate Insurance: Allstate is a well-known insurance provider that offers a range of coverage options for drivers in Caledon. They are known for their excellent customer service and comprehensive coverage options. Allstate has a 4.1-star rating on Google reviews.
- Belairdirect: Belairdirect offers customizable coverage options for drivers in Caledon, with a focus on affordable rates and excellent customer service. They also offer a range of discounts for safe driving and loyalty. Belairdirect has a 3.9-star rating on Google reviews.
- State Farm Insurance: State Farm is a popular insurance provider that offers a range of coverage options, including liability, collision, and comprehensive coverage. They are known for their personalized customer service and affordable rates. State Farm has a 4.4-star rating on Google reviews.
- TD Insurance: TD Insurance offers a range of coverage options for drivers in Caledon, including liability, collision, and comprehensive coverage. They are known for their competitive rates and excellent customer service. TD Insurance has a 3.5-star rating on Google reviews.
- Intact Insurance: Intact Insurance is a leading provider of car insurance in Caledon, offering a range of coverage options for drivers. They are known for their customizable coverage options, affordable rates, and excellent customer service. Intact Insurance has a 3.7-star rating on Google reviews.
List of Best Car Insurance Brokers in Caledon
Here is a list of some of the best independent car insurance brokers in Caledon, Ontario, along with their company descriptions and ratings:
- Insurance Hero: Insurance Hero is a locally-owned independent insurance brokerage that offers a range of coverage options for drivers in Caledon. They are known for their personalized service, competitive rates, and excellent customer support. Insurance Hero has a 4.9-star rating on Google reviews.
- ProView Insurance: ProView Insurance is an independent brokerage that specializes in car insurance for drivers in Caledon. They offer a range of coverage options and work with several insurance providers to find the best rates for their customers. ProView Insurance has a 5.0-star rating on Google reviews.
- Erb and Erb Insurance Brokers: Erb and Erb Insurance Brokers is an independent brokerage that has been serving customers in Ontario for over 100 years. They offer a range of car insurance options and are known for their excellent customer service and competitive rates. Erb and Erb Insurance Brokers has a 4.2-star rating on Google reviews.
- DMW Insurance Ltd: DMW Insurance Ltd is an independent brokerage that offers a range of car insurance options for drivers in Caledon. They are known for their personalized service, competitive rates, and extensive industry experience. DMW Insurance Ltd has a 4.6-star rating on Google reviews.
- Mitchell Sandham Inc.: Mitchell Sandham Inc. is an independent brokerage that offers a range of car insurance options for drivers in Caledon. They are known for their excellent customer service, competitive rates, and extensive industry experience. Mitchell Sandham Inc. has a 4.3-star rating on Google reviews.
Tips for Drivers in Caledon. Only actual Caledon
Here are some tips for drivers in Caledon, Ontario that are specific to the city:
- Prepare for winter driving: Caledon experiences cold and snowy winters, which can make driving conditions hazardous. Be sure to have winter tires on your car and drive slowly and cautiously in snowy or icy conditions.
- Watch for wildlife: Caledon is a mostly rural area, which means that some roads may have wildlife on or near the road. Be sure to drive with caution and keep an eye out for any animals.
- Be aware of narrow and winding roads: Some roads in Caledon can be narrow and winding, which can make driving challenging, especially during inclement weather. Be sure to drive with caution and obey posted speed limits.
- Secure your vehicle: While Caledon is generally a safe area, car theft and break-ins can still occur. Be sure to secure your vehicle, including locking your doors and using anti-theft devices.
- Plan your routes: Some areas of Caledon can be remote, so it’s important to plan your routes in advance, especially if you are not familiar with the area.
- Avoid distracted driving: Distracted driving, such as texting or using your phone while driving, can be dangerous and is against the law in Ontario. Be sure to put your phone away and focus on the road while driving.
What are the Most Dangerous Intersections in Caledon?
According to this data, some of the most dangerous intersections in Caledon, based on the number of collisions reported, include:
- Highway 10 and Charleston Sideroad – 22 collisions
- Highway 50 and Mayfield Road – 21 collisions
- Highway 9 and Kennedy Road – 18 collisions
- Highway 10 and King Street – 17 collisions
- Mayfield Road and Coleraine Drive – 16 collisions
Total Reportable Collisions in Caledon
According to the MTO’s data, the total number of reportable collisions in Caledon from 2013 to 2019 are:
- 2013: 1,150
- 2014: 1,120
- 2015: 1,128
- 2016: 1,188
- 2017: 1,124
- 2018: 1,124
- 2019: 1,139
About the Author: Valerie D. Hahn
Valerie is an insurance editor, journalist, and business professional at RateLab. She has more than 15 years of experience in personal financial products. She strives to educate readers and ensure that they are properly protected.
