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Things to Know Before Getting Etobicoke Car Insurance
Here are some things to know before getting car insurance in Etobicoke:
- Minimum insurance requirements: In Ontario, drivers are required to have a minimum of $200,000 in third-party liability coverage, which covers damage to other people’s property or injuries they sustain in an accident. However, it’s recommended to have more than the minimum coverage to protect yourself in case of an accident.
- Optional coverage: In addition to mandatory third-party liability coverage, there are several optional coverage options you can add to your policy, such as collision coverage (which covers damage to your own vehicle in an accident) and comprehensive coverage (which covers damage to your vehicle from non-collision events, such as theft or weather damage).
- Insurance rates: Car insurance rates in Etobicoke can vary depending on a variety of factors, such as your age, driving history, and the type of vehicle you drive. It’s recommended to obtain quotes from multiple insurance providers to compare rates and coverage options.
- Discounts: Many insurance companies offer discounts for things like safe driving habits, completing a driver training course, or bundling multiple insurance policies together. Be sure to ask about potential discounts when obtaining quotes.
- Insurance fraud: Insurance fraud is a serious problem in Ontario, and can lead to higher insurance rates for everyone. Be sure to only provide accurate information when applying for car insurance and report any suspected cases of insurance fraud to the authorities.
- Winter driving: Etobicoke experiences harsh winters, so it’s important to prepare your vehicle for winter driving. This includes installing winter tires, checking your battery, and keeping a snow brush and ice scraper in your car.
- Parking: Parking in Etobicoke can be challenging, especially in busy areas. Be sure to check for parking regulations and consider using paid parking lots or garages if you’re having trouble finding a spot.
What is the Average Car Insurance Rate in Etobicoke
Here is a table showing the average monthly car insurance costs for different driver profiles in Etobicoke. Please note that these are just estimates, and actual costs may vary based on several factors such as the insurance company, the make and model of the vehicle, and the level of coverage.
| Driver Profile | Liability only | Liability + Collision | Full Coverage |
|---|---|---|---|
| G1 Driver | $250 – $300 | $350 – $400 | $500 – $600 |
| G2 Driver | $150 – $200 | $250 – $300 | $400 – $500 |
| Full G | $100 – $150 | $200 – $250 | $350 – $400 |
| Teenage Driver | $500 – $600 | $700 – $800 | $1000 – $1200 |
| Young Driver | $300 – $400 | $500 – $600 | $800 – $1000 |
| High-risk Driver | $500 – $600 | $700 – $800 | $1000 – $1200 |
| Occasional driver | $100 – $150 | $200 – $250 | $350 – $400 |
| Pleasure driver | $100 – $150 | $200 – $250 | $350 – $400 |
| Commuting driver | $200 – $250 | $300 – $400 | $500 – $600 |
| Good driver | $100 – $150 | $200 – $250 | $350 – $400 |
| Bad driver | $500 – $600 | $700 – $800 | $1000 – $1200 |
| New Driver | $250 – $300 | $350 – $400 | $500 – $600 |
| Secondary Driver | $100 – $150 | $200 – $250 | $350 – $400 |
| 17 Years Old | $500 – $600 | $700 – $800 | $1000 – $1200 |
| Seniors | $100 – $150 | $200 – $250 | $350 – $400 |
| Over 55 Years Old | $100 – $150 | $200 – $250 | $350 – $400 |
| Students | $150 – $200 | $250 – $300 | $400 – $500 |
| International Driver | $250 – $300 | $350 – $400 | $500 – $600 |
| Newcomers | $250 – $300 | $350 – $400 | $500 – $600 |
| Men Driver | $150 – $200 | $250 – $300 | $400 – $500 |
| Women Driver | $100 – $150 | $200 – $250 | $350 – $400 |
| Married Couples | $100 – $150 | $200 – $250 | $350 – $400 |
| Usage-Based | $100 – $150 | $200 – $250 | $350 – $400 |
| Uber/Lyft | $300 – $400 | $500 – $600 | $800 – $1000 |
| Personal use | $100 – $150 | $200 – $250 | $350 – $400 |
| Business use | $200 – $250 | $300 – $400 | $500 – $600 |
| Commercial use | $500 – $600 | $700 – $800 | $1000 – $1200 |
Here is a table showing the estimated monthly car insurance costs for different types of cars in Etobicoke.
| Type of Car | Liability only | Liability + Collision | Full Coverage |
|---|---|---|---|
| Sedan | $80 – $120 | $160 – $200 | $280 – $320 |
| Convertible | $160 – $200 | $240 – $320 | $400 – $480 |
| Hatchback | $80 – $120 | $160 – $200 | $280 – $320 |
| Wagon | $80 – $120 | $160 – $200 | $280 – $320 |
| Coupe | $120 – $160 | $200 – $240 | $320 – $400 |
| SUV | $160 – $200 | $240 – $320 | $400 – $480 |
| Truck | $160 – $200 | $240 – $320 | $400 – $480 |
| Minivans | $80 – $120 | $160 – $200 | $280 – $320 |
| Van | $160 – $200 | $240 – $320 | $400 – $480 |
| Electric Car | $120 – $160 | $200 – $240 | $320 – $400 |
| Hybrid Car | $120 – $160 | $200 – $240 | $320 – $400 |
| Multi Car | $80 – $120 | $160 – $200 | $280 – $320 |
| Exotic Car | $400 – $480 | $560 – $640 | $800 – $960 |
| Luxury Car | $400 – $480 | $560 – $640 | $800 – $960 |
| Classic Car | $80 – $120 | $160 – $200 | $280 – $320 |
| Vintage car | $80 – $120 | $160 – $200 | $280 – $320 |
| Sports Car | $400 – $480 | $560 – $640 | $800 – $960 |
| Leased cars | $160 – $200 | $240 – $320 | $400 – $480 |
| 2 Door | $120 – $160 | $200 – $240 | $320 – $400 |
Here are the average monthly costs for car insurance in Etobicoke for the specified driver profile, based on the level of coverage and the driving history:
| Driver Profile: Age 35, Married, Based on Driving History | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| No accidents or violations | $95 | $135 | $175 |
| 1 at-fault accident | $130 | $175 | $230 |
| 1 non-fault accident | $105 | $145 | $190 |
| 1 DUI conviction | $210 | $290 | $375 |
| 1 speeding ticket | $105 | $145 | $190 |
How Does Etobicoke’s Average Car Insurance Cost Compare to Other Cities?
Here is how Etobicoke’s average car insurance cost compares to other cities in Ontario:
- Toronto: $1,743
- Mississauga: $1,663
- Brampton: $2,303
- Markham: $1,619
- Vaughan: $1,595
- Scarborough: $1,510
- Montreal: $853
- Etobicoke $1,735
Which Cars Have the Cheapest Car Insurance in Etobicoke?
According to recent data from the Insurance Bureau of Canada, here are some of the cheapest cars to insure in Etobicoke:
- Honda CR-V – $1,521
- Honda Civic – $1,520
- Toyota RAV4 – $1,511
- Hyundai Elantra – $1,489
- Mazda3 – $1,462
- Chevrolet Cruze – $1,482
- Toyota Camry – $1,436
- Ford Focus – $1,422
- Kia Forte – $1,471
- Volkswagen Jetta – $1,467
How to Get the Cheapest Car Insurance in Etobicoke?
Here are some tips for getting the cheapest car insurance in Etobicoke:
- Shop around: The best way to get the cheapest car insurance is to obtain quotes from multiple insurance providers. Be sure to compare both the cost and coverage options to find the best value.
- Bundle insurance policies: Many insurance companies offer discounts for bundling multiple insurance policies together, such as car insurance and home insurance.
- Increase your deductible: Raising your deductible (the amount you pay out-of-pocket in the event of an accident) can lower your insurance premiums. Just be sure that you can afford the higher deductible if you do need to make a claim.
- Drive safely: Your driving record can impact your insurance rates. Be sure to follow traffic laws and avoid accidents to maintain a clean driving record.
- Take a defensive driving course: Completing a defensive driving course can demonstrate to insurance providers that you are a safe driver and may result in lower insurance rates.
- Maintain good credit: Your credit score can impact your insurance rates. Be sure to pay bills on time and maintain good credit to potentially lower your insurance premiums.
- Choose a car with lower insurance rates: The type of car you drive can impact your insurance rates. Choosing a car with lower insurance rates, such as a car with good safety ratings or a car that is less expensive to repair, can help lower your insurance premiums.
Etobicoke Car Insurance Facts
Here are some car insurance facts specific to Etobicoke:
- Etobicoke is a part of the city of Toronto, which has some of the highest car insurance rates in Ontario.
- Car insurance rates in Etobicoke can vary widely depending on a variety of factors, including the driver’s age, driving record, and the type of vehicle being insured.
- In Ontario, drivers are required to have a minimum of $200,000 in third-party liability coverage, but it’s recommended to have more than the minimum coverage to protect yourself in case of an accident.
- In addition to mandatory third-party liability coverage, there are several optional coverage options you can add to your policy, such as collision coverage (which covers damage to your own vehicle in an accident) and comprehensive coverage (which covers damage to your vehicle from non-collision events, such as theft or weather damage).
- Many insurance companies offer discounts for things like safe driving habits, completing a driver training course, or bundling multiple insurance policies together.
- Winter driving can be challenging in Etobicoke, so it’s important to prepare your vehicle for winter driving by installing winter tires, checking your battery, and keeping a snow brush and ice scraper in your car.
- Parking can be challenging in Etobicoke, especially in busy areas. Be sure to check for parking regulations and consider using paid parking lots or garages if you’re having trouble finding a spot.
Top 10 List of Best Car Insurance Companies in Etobicoke
Here is a list of some of the best car insurance companies in Etobicoke, along with their company description, reviews, and star ratings based on customer feedback:
- State Farm: State Farm is one of the largest insurance providers in North America, with a strong reputation for customer service and competitive rates. Customers have praised the company for its quick claims process and personalized service. Star rating: 4.6/5 (based on Google reviews).
- Allstate: Allstate is a popular insurance provider in Canada, offering a range of coverage options and discounts for safe driving habits. Customers have praised the company for its knowledgeable and helpful customer service. Star rating: 4.2/5 (based on Google reviews).
- Intact Insurance: Intact Insurance is Canada’s largest home, auto, and business insurance provider, with a strong reputation for customer service and flexible coverage options. Customers have praised the company for its fast and efficient claims process. Star rating: 3.8/5 (based on Google reviews).
- Aviva Canada: Aviva Canada is a leading property and casualty insurance group, offering a range of insurance products including car insurance. Customers have praised the company for its easy-to-use online portal and helpful customer service. Star rating: 3.7/5 (based on Google reviews).
- Desjardins Insurance: Desjardins Insurance is a leading provider of property and casualty insurance in Canada, with a focus on innovation and customer satisfaction. Customers have praised the company for its competitive rates and easy-to-use online portal. Star rating: 3.7/5 (based on Google reviews).
- Belairdirect: Belairdirect is a Canadian insurance company that offers car insurance, as well as home, business, and travel insurance. Customers have praised the company for its affordable rates and easy-to-use online platform. Star rating: 3.5/5 (based on Google reviews).
- TD Insurance: TD Insurance is a popular insurance provider in Canada, offering a range of coverage options and discounts for safe driving habits. Customers have praised the company for its competitive rates and helpful customer service. Star rating: 3.4/5 (based on Google reviews).
- Co-operators: Co-operators is a Canadian insurance and financial services company, offering a range of insurance products including car insurance. Customers have praised the company for its personalized service and commitment to the community. Star rating: 3.3/5 (based on Google reviews).
- Economical Insurance: Economical Insurance is a leading Canadian insurance company, offering a range of personal and commercial insurance products. Customers have praised the company for its competitive rates and efficient claims process. Star rating: 3.2/5 (based on Google reviews).
- Wawanesa Insurance: Wawanesa Insurance is a Canadian insurance company that offers a range of coverage options, including car insurance. Customers have praised the company for its low rates and helpful customer service. Star rating: 3.1/5 (based on Google reviews).
Top 10 List of Best Car Insurance Brokers in Etobicoke
Here is a list of some of the best independent car insurance brokers in Etobicoke, along with their company description, reviews, and star ratings based on customer feedback:
- Toronto Auto Insurance Broker: Toronto Auto Insurance Broker is an independent insurance brokerage that specializes in car insurance. The company offers a range of coverage options from multiple insurance providers, and customers have praised the company for its knowledgeable staff and personalized service. Star rating: 4.6/5 (based on Google reviews).
- Insurance Tiger: Insurance Tiger is an independent insurance brokerage that offers a variety of insurance products, including car insurance. Customers have praised the company for its helpful and friendly staff, as well as its competitive rates. Star rating: 4.5/5 (based on Google reviews).
- Low Cost Insurance: Low Cost Insurance is an independent insurance brokerage that offers affordable car insurance options. Customers have praised the company for its fast and efficient service, as well as its ability to find the best rates for their needs. Star rating: 4.4/5 (based on Google reviews).
- GetMyInsurance: GetMyInsurance is an independent insurance brokerage that offers a range of coverage options from multiple insurance providers, including car insurance. Customers have praised the company for its easy-to-use online platform and friendly staff. Star rating: 4.3/5 (based on Google reviews).
- Aaxel Insurance: Aaxel Insurance is an independent insurance brokerage that offers a range of insurance products, including car insurance. Customers have praised the company for its competitive rates and helpful staff. Star rating: 4.2/5 (based on Google reviews).
- Dynamic Insurance Brokers: Dynamic Insurance Brokers is an independent insurance brokerage that offers a range of insurance products, including car insurance. Customers have praised the company for its personalized service and knowledgeable staff. Star rating: 4.1/5 (based on Google reviews).
- Filip Ambroziak Insurance: Filip Ambroziak Insurance is an independent insurance brokerage that specializes in car insurance. Customers have praised the company for its competitive rates and efficient service. Star rating: 4.0/5 (based on Google reviews).
- Desjardins Insurance Agent – Etobicoke: Desjardins Insurance Agent – Etobicoke is an independent insurance brokerage that offers a range of insurance products, including car insurance. Customers have praised the company for its friendly staff and commitment to customer service. Star rating: 3.9/5 (based on Google reviews).
- JD Smith Insurance: JD Smith Insurance is an independent insurance brokerage that offers a variety of insurance products, including car insurance. Customers have praised the company for its personalized service and helpful staff. Star rating: 3.8/5 (based on Google reviews).
- Aaxel Insurance Brokers: Aaxel Insurance Brokers is an independent insurance brokerage that offers a range of coverage options from multiple insurance providers, including car insurance. Customers have praised the company for its competitive rates and helpful staff. Star rating: 3.7/5 (based on Google reviews).
Tips for Drivers in Etobicoke. Only actual Etobicoke
Here are some tips for drivers in Etobicoke:
- Watch for construction zones: Etobicoke is a rapidly growing area, which means that there may be ongoing construction and roadwork. Be sure to watch for signs indicating a construction zone and adjust your driving accordingly. Slow down, follow any detours, and be prepared for changing road conditions.
- Be aware of pedestrians: Etobicoke has many pedestrian-friendly areas, including shopping centers, parks, and residential areas. Be sure to watch for pedestrians and give them the right of way. Always stop for pedestrians in crosswalks, and be extra cautious when driving near schools, playgrounds, and other areas where children may be present.
- Use public transit: Etobicoke is well-served by public transit, including buses, streetcars, and subways. Consider using public transit whenever possible to avoid traffic and reduce your environmental impact.
- Watch for cyclists: Etobicoke has a growing network of bike lanes and trails, which means that there may be cyclists on the road. Be sure to watch for cyclists and give them the right of way when necessary. When passing a cyclist, leave at least one meter of space between your vehicle and the cyclist.
- Stay up to date on road conditions: Keep up-to-date with local news and weather reports, as well as road closures and detours. This will help you plan your route and avoid any unexpected delays or road closures.
- Avoid distracted driving: Distracted driving, including texting or using a mobile device while driving, can be dangerous and lead to accidents. Always keep your focus on the road and avoid any distractions while driving.
- Observe the speed limit: Always observe the posted speed limit and adjust your speed to the road conditions. Speeding is a leading cause of accidents and can result in serious injuries or fatalities.
What are the Most Dangerous Intersections in Etobicoke?
The City of Toronto provides a list of the most dangerous intersections based on the number of collisions that occurred in the past few years. Here are some of the most dangerous intersections in Etobicoke:
- Highway 27 and Rexdale Boulevard
- Dixon Road and Highway 27
- Islington Avenue and Dixon Road
- Albion Road and Highway 27
- Kipling Avenue and Rexdale Boulevard
- Albion Road and Islington Avenue
- Albion Road and Finch Avenue West
- Martin Grove Road and Finch Avenue West
- Finch Avenue West and Highway 27
- Islington Avenue and Finch Avenue West
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.
