Here are some tips for using a car insurance calculator:
- Gather the necessary information: Before using a car insurance calculator, make sure you have all the necessary information, such as your vehicle make and model, your driving history, and your personal information, such as your age and location.
- Compare different coverage options: Use the car insurance calculator to compare different coverage options and see how they impact the cost of your insurance. This will help you determine what coverage is right for you.
- Consider your driving habits: When using the car insurance calculator, consider your driving habits, such as the number of miles you drive each year, and the type of roads you drive on. This information can help the calculator provide more accurate quotes.
- Check for discounts: Many car insurance providers offer discounts for various factors, such as a safe driving record, multiple vehicles, and more. Use the car insurance calculator to see if you’re eligible for any discounts and how they impact your insurance premium.
- Get quotes from multiple providers: Don’t rely on just one car insurance calculator. Get quotes from multiple providers and compare them to find the best coverage at the best price.
By using these tips, you can get a better understanding of your car insurance options and find the coverage that’s right for you. It’s important to keep in mind that car insurance calculators are just one tool to help you understand the cost of your insurance. The actual cost of your insurance may be different based on the specific details of your situation.
What Information Do I Need To Provide To Use The Auto Insurance Calculator?
When using an auto insurance calculator, you will typically be asked to provide the following information:
- Vehicle information: This includes the make and model of your vehicle, its year, its value, and its usage (e.g. personal or business use).
- Personal information: This includes your age, driving history, location, marital status, and gender.
- Coverage information: This includes the type of coverage you’re interested in (e.g. liability, collision, comprehensive), the amount of coverage you need, and any optional coverage you want to add (e.g. roadside assistance).
- Deductible information: This includes the amount of your deductible, which is the amount you’re willing to pay out-of-pocket before insurance kicks in.
- Discount information: This includes any discounts you may be eligible for, such as good driver discounts, multiple vehicle discounts, and more.
It’s important to provide accurate information when using an auto insurance calculator to get an accurate quote. Keep in mind that the quote provided by the calculator is an estimate only and may not reflect the actual cost of your insurance. It’s always a good idea to compare quotes from multiple insurance providers to find the best coverage for your needs.
What Are Average Car Insurance Rates in Ontario
The average cost of car insurance in Ontario can vary depending on various factors such as the driver’s age, driving history, type of vehicle, and coverage limits. The average annual premium for car insurance in Ontario $1,723.
In terms of monthly payments, the average cost of car insurance in Ontario can be around $143 per month. However, it’s important to note that this is an average, and individual rate may be higher or lower depending on the driver’s specific circumstances and the insurance company they choose.
How much is car insurance in Ontario per month?
Average car insurance costs in Ontario, the monthly costs for different driver profiles for liability only, liability + collision, and full coverage may range as follows:
Note that the actual cost of car insurance may vary depending on factors such as the driver’s age, driving record, type of vehicle, coverage options, and insurer. It’s important for drivers to compare quotes from multiple insurers to find the best coverage and rates for their individual needs.
Driver Profile | Liability Only | Liability + Collision | Full Coverage |
---|---|---|---|
G1 Driver | $120-$140 | $160-$180 | $200-$220 |
G2 Driver | $110-$130 | $150-$170 | $190-$210 |
Full G | $100-$120 | $140-$160 | $180-$200 |
Teenage Driver | $300-$400 | $500-$600 | $700-$800 |
Young Driver | $180-$220 | $280-$320 | $380-$420 |
High-risk Driver | $250-$350 | $400-$500 | $550-$650 |
Occasional Driver | $70-$90 | $100-$120 | $130-$150 |
Pleasure Driver | $80-$100 | $110-$130 | $140-$160 |
Commuting Driver | $120-$140 | $160-$180 | $200-$220 |
Good Driver | $70-$90 | $100-$120 | $130-$150 |
Bad Driver | $250-$350 | $400-$500 | $550-$650 |
New Driver | $180-$220 | $280-$320 | $380-$420 |
Secondary Driver | $80-$100 | $110-$130 | $140-$160 |
17 Years Old | $300-$400 | $500-$600 | $700-$800 |
Seniors | $70-$90 | $100-$120 | $130-$150 |
Over 55 Years Old | $70-$90 | $100-$120 | $130-$150 |
Students | $120-$140 | $160-$180 | $200-$220 |
International Driver | $250-$350 | $400-$500 | $550-$650 |
Newcomers | $250-$350 | $400-$500 | $550-$650 |
Men Driver | $110-$130 | $150-$170 | $190-$210 |
Women Driver | $100-$120 | $140-$160 | $180-$200 |
Married Couples | $80-$100 | $110-$130 | $140-$160 |
Usage-Based | $70-$120 | $120-$170 | $170-$220 |
Uber/Lyft | $150-$200 | $250-$300 | $350-$400 |
Personal Use | $80-$100 | $110-$130 | $140-$160 |
Business Use | $150-$200 | $250-$300 | $350-$400 |
Commercial Use | $250-$350 | $400-$500 | $550-$650 |
Average car insurance costs in Ontario, the monthly costs for different types of cars for a driver profile of age 35, married, with a clean driving record may range as follows:
Car Type | Liability Only | Liability + Collision | Full Coverage |
---|---|---|---|
Sedan | $70-$90 | $100-$120 | $130-$150 |
Convertible | $120-$170 | $220-$270 | $320-$370 |
Hatchback | $70-$90 | $100-$120 | $130-$150 |
Wagon | $80-$100 | $110-$130 | $140-$160 |
Coupe | $90-$110 | $130-$150 | $170-$190 |
SUV | $120-$140 | $160-$180 | $200-$220 |
Truck | $90-$110 | $130-$150 | $170-$190 |
Minivans | $80-$100 | $110-$130 | $140-$160 |
Van | $120-$140 | $160-$180 | $200-$220 |
Electric Car | $130-$180 | $230-$280 | $330-$380 |
Hybrid Car | $90-$110 | $130-$150 | $170-$190 |
Multi Car | $70-$90 | $100-$120 | $130-$150 |
Exotic Car | $350-$450 | $550-$650 | $750-$850 |
Luxury Car | $250-$350 | $400-$500 | $550-$650 |
Classic Car | $200-$250 | $300-$350 | $400-$450 |
Vintage Car | $200-$250 | $300-$350 | $400-$450 |
Sports Car | $200-$250 | $300-$350 | $400-$450 |
Leased cars | $90-$110 | $130-$150 | $170-$190 |
2 Door | $90-$110 | $130-$150 | $170-$190 |
Average car insurance costs in Ontario, the monthly costs for a driver profile of age 35, married, based on their driving history may range as follows:
Driving History | Liability Only | Liability + Collision | Full Coverage |
---|---|---|---|
1 one at-fault accident | $200-$250 | $300-$350 | $400-$450 |
2 one at-fault accidents | $350-$450 | $550-$650 | $750-$850 |
1 non-fault accident | $70-$90 | $100-$120 | $130-$150 |
DUI conviction | $400-$500 | $650-$750 | $900-$1000 |
1 Speeding Ticket | $70-$90 | $100-$120 | $130-$150 |
2 Speeding Tickets | $120-$170 | $220-$270 | $320-$370 |
The average cost of car insurance in Ontario by age
The average cost of car insurance in Ontario can vary depending on many factors, including age, driving record, and the type of vehicle being insured. However, here are some general examples of what the average cost of car insurance might look like by age:
Age 20-24:
- Monthly payment: $250 – $450
- Yearly payment: $3,000 – $5,400
Age 25-29:
- Monthly payment: $175 – $350
- Yearly payment: $2,100 – $4,200
Age 30-34:
- Monthly payment: $150 – $275
- Yearly payment: $1,800 – $3,300
Age 35-39:
- Monthly payment: $125 – $225
- Yearly payment: $1,500 – $2,700
Age 40-44:
- Monthly payment: $100 – $200
- Yearly payment: $1,200 – $2,400
Age 45-49:
- Monthly payment: $85 – $175
- Yearly payment: $1,020 – $2,100
Age 50-54:
- Monthly payment: $75 – $150
- Yearly payment: $900 – $1,800
Age 55-59:
- Monthly payment: $65 – $135
- Yearly payment: $780 – $1,620
Age 60-64:
- Monthly payment: $55 – $110
- Yearly payment: $660 – $1,320
The average cost of car insurance for men vs. women
In Ontario, it is illegal for car insurance companies to use gender as a factor in determining car insurance premiums. This means that car insurance rates for men and women who drive the same car and have similar driving records should be the same.
However, it is still possible for car insurance rates to differ between men and women due to other factors such as age, driving experience, and driving record. For example, a male driver who is younger and has a history of accidents or traffic violations may pay more for car insurance than a female driver of the same age and driving experience with a clean driving record.
Average car insurance costs throughout Ontario cities
The cost of car insurance in Ontario can vary significantly based on location. Insurance companies consider various factors such as population density, traffic, and the number of accidents and claims in the area when determining premiums. Here are the average car insurance costs in some of the major cities in Ontario:
- Toronto: The average cost of car insurance in Toronto is around $1,920 per year, or $160 per month.
- Ottawa: The average cost of car insurance in Ottawa is around $1,100 per year, or $92 per month.
- Hamilton: The average cost of car insurance in Hamilton is around $1,400 per year, or $117 per month.
- London: The average cost of car insurance in London is around $1,100 per year, or $92 per month.
- Kitchener-Waterloo: The average cost of car insurance in Kitchener-Waterloo is around $1,100 per year, or $92 per month.
- Windsor: The average cost of car insurance in Windsor is around $1,400 per year, or $117 per month.
- Barrie: The average cost of car insurance in Barrie is around $1,300 per year, or $108 per month.
- Brampton: The average cost of car insurance in Brampton is around $2,500 per year, or $208 per month. Brampton is known for having some of the highest insurance rates in Ontario due to factors such as high population density and a large number of claims.
- Mississauga: The average cost of car insurance in Mississauga is around $1,800 per year, or $150 per month.
- Markham: The average cost of car insurance in Markham is around $1,300 per year, or $108 per month.
- Vaughan: The average cost of car insurance in Vaughan is around $1,400 per year, or $117 per month.
- Kingston: The average cost of car insurance in Kingston is around $1,100 per year, or $92 per month.
- Sudbury: The average cost of car insurance in Sudbury is around $1,200 per year, or $100 per month.
- Guelph: The average cost of car insurance in Guelph is around $1,100 per year, or $92 per month.
- St. Catharines: The average cost of car insurance in St. Catharines is around $1,400 per year, or $117 per month.
- Thunder Bay: The average cost of car insurance in Thunder Bay is around $1,300 per year, or $108 per month.
- Niagara Falls: The average cost of car insurance in Niagara Falls is around $1,300 per year, or $108 per month.
- Peterborough: The average cost of car insurance in Peterborough is around $1,100 per year, or $92 per month.
- Sault Ste. Marie: The average cost of car insurance in Sault Ste. Marie is around $1,300 per year, or $108 per month.
- Guelph: The average cost of car insurance in Guelph is around $1,100 per year, or $92 per month.
- St. Catharines: The average cost of car insurance in St. Catharines is around $1,400 per year, or $117 per month.
- Thunder Bay: The average cost of car insurance in Thunder Bay is around $1,300 per year, or $108 per month.
- Niagara Falls: The average cost of car insurance in Niagara Falls is around $1,300 per year, or $108 per month.
- Peterborough: The average cost of car insurance in Peterborough is around $1,100 per year, or $92 per month.
- Sault Ste. Marie: The average cost of car insurance in Sault Ste. Marie is around $1,300 per year, or $108 per month.
- North Bay: The average cost of car insurance in North Bay is around $1,200 per year, or $100 per month.
- Belleville: The average cost of car insurance in Belleville is around $1,100 per year, or $92 per month.
- Owen Sound: The average cost of car insurance in Owen Sound is around $1,200 per year, or $100 per month.
- Pembroke: The average cost of car insurance in Pembroke is around $1,200 per year, or $100 per month.
- Timmins: The average cost of car insurance in Timmins is around $1,300 per year, or $108 per month.
- Cornwall: The average cost of car insurance in Cornwall is around $1,100 per year, or $92 per month.
It’s important to keep in mind that these are just average costs, and individual rates may vary based on various factors such as driving history, type of vehicle, and level of coverage. Additionally, rates may vary based on the specific neighbourhood within a given city. It’s always a good idea to shop around for car insurance and compare quotes from different insurance companies to find the best coverage at a competitive price.
How to Get the Best Possible Car Insurance Quotes in Ontario
Getting the best possible car insurance quote in Ontario involves several key steps:
- Shop around: Compare quotes from multiple insurance providers to find the best coverage for your needs. You can do this by using online insurance comparison tools or by contacting insurance companies directly.
- Consider your coverage needs: Decide what type of coverage you need, such as liability, collision, or comprehensive coverage. Consider your budget and the amount of coverage you need when making this decision.
- Be aware of discounts: Ask insurance providers about any discounts you may be eligible for, such as good driver discounts, multiple vehicle discounts, and more. Make sure to provide accurate information about any discounts you’re eligible for to receive the best possible quote.
- Consider your deductible: Your deductible is the amount you’re willing to pay out-of-pocket before insurance kicks in. A higher deductible can lower your insurance premium, but it also means you’ll pay more out-of-pocket in the event of a claim. Consider your budget and the amount of risk you’re willing to take on when choosing a deductible.
- Review your policy regularly: Review your policy periodically to ensure it still meets your needs, and to make sure you’re taking advantage of any new discounts or coverage options that may be available.
By following these steps, you can help ensure you get the best possible car insurance quote in Ontario, and that you have the coverage you need to protect yourself and your vehicle.
Best Auto Insurance Companies in Ontario
Here is a list of some of the best rated auto insurance companies in Ontario:
- Intact Insurance
- The Co-operators
- Allstate Insurance
- TD Insurance
- Desjardins Insurance
- Belairdirect
- Aviva Canada
- Johnson Insurance
- Economical Insurance
- Wawanesa Insurance
It’s important to note that the best rated insurance company for one person may not be the best for another, as everyone’s insurance needs are different. It’s recommended to compare quotes from multiple insurance providers and consider factors such as coverage options, discounts, and customer service when choosing an insurance company.
Best Independent Auto Insurance Brokers In Ontario
Here are some of the best independent auto insurance brokers in Ontario that are not part of large corporations:
- Robertson Hall Insurance Brokers Ltd.
- Mitchell & Whale Insurance Brokers Ltd.
- Totten Insurance Group
- A-WIN Insurance
- Zakaib Insurance Brokers Ltd.
- Green & Associates Insurance Brokers
- Arch Insurance Canada
- Arpi’s Insurance Ltd.
- Woods & Woods Insurance Brokers Inc.
- Nowell & Associates Insurance Brokers Inc.
These independent auto insurance brokers offer a personalized approach to insurance, working directly with clients to understand their specific needs and find the best coverage options. By not being part of larger corporations, they can often provide a more tailored and flexible service to their clients.
It’s important to choose an independent auto insurance broker that is licensed, experienced, and has a good reputation in the industry. It’s also a good idea to get quotes from multiple brokers to compare their offerings and find the best coverage and rates for your specific needs.
Ontario Auto Insurance Regulations
Auto insurance is regulated by the Financial Services Commission of Ontario (FSCO), which is responsible for overseeing the insurance industry in the province of Ontario. The following are some of the key regulations for auto insurance in Ontario:
- Compulsory coverage: All drivers in Ontario are required to have liability insurance, which covers damages and injuries you cause to others in an accident. The minimum required coverage is $200,000, but many drivers choose to purchase higher limits for added protection.
- Option to purchase additional coverage: In addition to liability coverage, drivers in Ontario can choose to purchase additional coverage, such as collision, comprehensive, and no-fault insurance. These types of coverage can help protect you and your vehicle in the event of an accident, theft, or other covered loss.
- No-fault insurance: In Ontario, drivers are required to purchase no-fault insurance, also known as accident benefits coverage. This coverage provides financial support if you are injured in a car accident, regardless of who is at fault.
- Insurance fraud prevention: FSCO works closely with the insurance industry and law enforcement to prevent and detect insurance fraud. This helps to keep insurance rates low for everyone and protect consumers from fraudulent activities.
- Consumer protection: FSCO is responsible for protecting consumers and ensuring that insurance companies are following the rules and regulations in place for auto insurance in Ontario. Consumers who feel that their rights have been violated or who have complaints about their insurance coverage can contact FSCO for assistance.
Ontario Auto Insurance Requirements
In Ontario, all drivers are required to have a minimum level of liability insurance coverage to protect themselves and others in the event of a car accident. The minimum required coverage is $200,000. This coverage pays for damages and injuries you cause to others, such as property damage or medical expenses.
In addition to liability insurance, drivers in Ontario are also required to purchase accident benefits coverage, also known as no-fault insurance. This coverage provides financial support if you are injured in a car accident, regardless of who is at fault. The coverage includes benefits for things like medical expenses, rehabilitation, and lost income.
Drivers in Ontario also have the option to purchase additional coverage, such as collision and comprehensive insurance, to protect their own vehicle in the event of an accident, theft, or other covered loss. This type of coverage is optional, but it can provide additional peace of mind and financial protection.
Optional Available Auto Insurance Coverages in Ontario
In addition to the required liability insurance and accident benefits coverage in Ontario, drivers have the option to purchase additional auto insurance coverage to further protect themselves and their vehicles. Some of the optional coverages available in Ontario include:
- Collision insurance: Covers the cost of repairing or replacing your vehicle if it’s damaged in an accident, regardless of who is at fault.
- Comprehensive insurance: Covers the cost of repairing or replacing your vehicle in the event of theft, vandalism, or damage from events such as fire, hail, or falling objects.
- Uninsured motorist coverage: Pays for damages and injuries you suffer in an accident caused by an uninsured driver or a hit-and-run driver.
- Specified perils insurance: Covers the cost of repairing or replacing your vehicle if it’s damaged by specific events, such as theft or fire.
- All perils insurance: Covers the cost of repairing or replacing your vehicle if it’s damaged by any event not specifically excluded in your policy.
- Increased liability insurance: Increases the amount of liability insurance coverage beyond the minimum required amount. This can provide additional protection if you’re found at fault in a car accident and are sued for damages.
- Emergency roadside assistance: Covers the cost of emergency roadside services, such as jump-starts, tire changes, and towing, in the event of a breakdown or accident.
It’s important for drivers in Ontario to carefully consider their insurance needs and to discuss their options with a licensed insurance agent or broker to determine which coverages are right for them.
What are the cheapest cities to get car insurance in Ontario?
The cost of car insurance in Ontario can vary depending on several factors, including the city you live in, your driving record, and the type of vehicle you drive. Here are some of the cities in Ontario that are known for having lower car insurance rates:
- Barrie
- Guelph
- Kitchener
- Burlington
- Oshawa
- Hamilton
- Cambridge
- London
- Windsor
- Kingston
It’s important to keep in mind that these are just general trends and the cost of car insurance can still vary widely based on an individual’s personal circumstances. It’s always a good idea to get quotes from multiple insurance providers to find the best coverage and rates for your specific needs.
What are the most expensive cities to get car insurance in Ontario?
The cost of car insurance can vary significantly from city to city in Ontario, depending on several factors such as the rate of accidents, traffic congestion, crime rates, and insurance fraud. Some of the most expensive cities to get car insurance in Ontario include:
- Toronto: Toronto is considered one of the most expensive cities in Ontario for car insurance due to its high population density, traffic congestion, and high rates of accidents and insurance fraud.
- Brampton: Brampton is another city in Ontario with a high cost of car insurance due to its high rate of accidents, traffic congestion, and high rates of insurance fraud.
- Mississauga: Like Brampton and Toronto, Mississauga is also known for its high rates of traffic congestion and accidents, which contribute to the high cost of car insurance in the city.
- Vaughan: Vaughan is another city in Ontario with a high cost of car insurance, due to its high rate of traffic accidents, high population density, and high rates of insurance fraud.
It is important to note that the cost of car insurance can also vary depending on an individual’s driving record, the type of vehicle they drive, and other personal factors such as age, gender, and occupation. To find the best car insurance rates, it is important to compare quotes from multiple insurance companies and to carefully consider your individual circumstances and needs.
List of cheapest cars to insure in Ontario
The cost of insuring a vehicle in Ontario can vary based on several factors, including the make, model, and year of the vehicle, as well as the driver’s personal circumstances. However, some car models are generally considered to be cheaper to insure due to their safety features, low theft rates, and repair costs. Here is a list of some of the cheapest cars to insure in Ontario:
- Honda Civic
- Toyota Corolla
- Mazda3
- Hyundai Elantra
- Kia Forte
- Toyota Matrix
- Honda Fit
- Hyundai Accent
- Nissan Sentra
- Kia Rio
Ontario Car Insurance Facts
Here are some important facts about car insurance in Ontario:
- Compulsory coverage: In Ontario, all drivers are required to have third-party liability insurance coverage, which provides protection for damages you may cause to another person or their property while operating your vehicle.
- Optional coverage: In addition to third-party liability coverage, there are several other types of car insurance coverage available in Ontario, including collision, comprehensive, and uninsured motorist protection.
- Coverage limits: In Ontario, there are minimum coverage limits for third-party liability insurance, which are set by the Financial Services Commission of Ontario (FSCO). The minimum coverage limit is $200,000.
- Insurance rates: Car insurance rates in Ontario are influenced by several factors, including your driving record, the type of vehicle you drive, and where you live. Insurance rates can also vary depending on the insurance company you choose.
- Insurance fraud: Insurance fraud is a serious problem in Ontario, with the Insurance Bureau of Canada estimating that insurance fraud costs Canadians hundreds of millions of dollars each year.
- Insurance claims: If you are involved in a car accident in Ontario, you must report it to your insurance company as soon as possible. Your insurance company will then investigate the claim and provide you with coverage based on the terms of your policy.
- Licensing and registration: In order to drive a vehicle in Ontario, you must have a valid driver’s license and the vehicle must be properly registered. The Ministry of Transportation is responsible for issuing driver’s licenses and registering vehicles in the province.
Insurance Fraud Penalty in Ontario
Insurance fraud is a serious criminal offense in Ontario, Canada, and those convicted can face significant penalties, including fines and imprisonment.
The penalties for insurance fraud in Ontario depend on the nature and severity of the offense. For example, a person who provides false information in order to obtain insurance benefits could face fines of up to $5,000 and up to two years in prison. Similarly, a person who stages an accident or makes false claims in order to receive insurance benefits could face fines of up to $100,000 and up to five years in prison.
In addition to these criminal penalties, a person convicted of insurance fraud can also face civil lawsuits from their insurance company, as well as reputational damage that can impact their personal and professional life.
It is important to remember that insurance fraud is a serious crime that can have serious consequences for those convicted. To avoid committing insurance fraud, it is important to always be truthful and accurate in all communications with your insurance company, and to carefully review all insurance documents and policies before signing them. If you suspect that someone you know may be committing insurance fraud, it is important to report this to the appropriate authorities.
Impaired Driving Penalties in Ontario
Impaired driving is a serious criminal offense in Ontario, Canada, and it is taken very seriously by law enforcement and the criminal justice system. The penalties for impaired driving can be severe, and can have serious consequences for a person’s life, including their freedom, finances, and reputation.
If a person is convicted of impaired driving in Ontario, they can face the following penalties:
- Imprisonment: A first-time impaired driving conviction can result in a minimum sentence of $1,000 fine and up to a maximum of ten years in prison. Repeat offenders can face even more severe penalties, including longer prison sentences.
- License suspension: A person convicted of impaired driving may have their driver’s license suspended for a period of time, which can range from one year for a first-time conviction to a lifetime suspension for repeat offenders.
- Monetary fines: A person convicted of impaired driving may be ordered to pay a fine, which can range from $1,000 for a first-time conviction to much higher amounts for repeat offenders.
- Ignition interlock: An ignition interlock device may be required to be installed in a person’s vehicle, which requires the driver to provide a breath sample before the vehicle can be started.
- Criminal record: A conviction for impaired driving will result in a criminal record, which can have a significant impact on a person’s employment and future opportunities.
In addition to these penalties, a person convicted of impaired driving may also be required to attend education or treatment programs, and may be subject to additional conditions or restrictions imposed by the court.
It is important to note that impaired driving is a serious criminal offense, and the consequences of a conviction can be severe. If you are facing charges for impaired driving, it is important to seek the advice of a qualified criminal defense lawyer as soon as possible to ensure that your rights and interests are protected.
Distracted Driving Penalties in Ontario
Distracted driving is a serious issue in Ontario, Canada, and it is taken very seriously by law enforcement and the provincial government. The penalties for distracted driving can be significant and can have serious consequences for a person’s life, including their freedom, finances, and reputation.
In Ontario, the penalties for distracted driving include:
- Monetary fines: The fine for a first-time offense of distracted driving is $1,000 and increases for subsequent offenses.
- Demerit points: A person convicted of distracted driving will receive three demerit points, which can lead to increased insurance rates and a higher risk of license suspension.
- License suspension: A person convicted of distracted driving may have their driver’s license suspended for a period of time, depending on the number of convictions they have received.
- Criminal record: A conviction for distracted driving will result in a criminal record, which can have a significant impact on a person’s employment and future opportunities.
In addition to these penalties, a person convicted of distracted driving may also be required to attend education or treatment programs, and may be subject to additional conditions or restrictions imposed by the court.
It is important to remember that distracted driving is a dangerous behavior that can result in serious consequences, including injury or death. To avoid distracted driving, it is important to stay focused on the road and avoid activities that take your attention away from driving, such as using your phone or other electronic devices, eating, or engaging in other activities that can be distracting.
I can’t believe how expensive car insurance is for a car worth $5000. The lowest quote I can find is around 3k. Has anyone found a way around these stupid prices or any ideas?
How old are you and what license do you have? If you have only G2, 3k is actually normal in Ontario.
I am 22 and yes I have G2. But still it shouldn’t be that crazy. I have no accident, no tickets whatsoever.
Try to get a driving school certificate that shows you successfully finished safe driving course. Also if you are new to Canada, get a recommendation from your previous insurance company in English.
I’m about to take the leap and purchase a new vehicle, but I’m a bit puzzled about the insurance scene here in Ontario. I’ve heard a mix of tales about the best and worst auto insurance companies. Could anyone shed some light on their experiences and recommendations? Who should I consider and who should I avoid, and more importantly, why? All insights are appreciated!
Oh, you’re stepping into quite a mixed bag there! Ontario’s auto insurance landscape is quite diverse, so experiences can really vary. Here’s my take based on my personal experiences and those of my friends:
Best:
Belairdirect: I’ve been with them for a few years, and they’ve always been really responsive and fair. They have a simple online platform which makes managing my policy really easy.
TD Insurance: A friend has been with them for ages, and she loves their customer service. They were really helpful when she needed to make a claim, and their rates have been pretty stable over the years.
Co-operators: I’ve heard good things about their comprehensive coverage options, and they offer discounts if you bundle policies.
Worst:
Allstate: My cousin had a less than stellar experience with them when it came to resolving a claim. It took a long time, and the process was more complicated than it needed to be.
Aviva: They often come up as cheaper, but I’ve heard mixed reviews about their customer service. It seems like a bit of a lottery if you’ll get good service or not.
Remember though, everyone’s situation and experiences are unique, so it’s always a good idea to get a few quotes, read reviews and maybe speak to a broker before you make a decision. Good luck!
Interesting insights you’ve shared, but I must say, my experiences and those I’ve heard from friends differ quite a bit.
While Belairdirect and TD Insurance are definitely popular, I’ve had some issues with Belairdirect’s claim process. It wasn’t as smooth as I would have liked. On the other hand, I know people who swear by their customer service, so maybe it was just an isolated incident.
With Co-operators, I completely agree about their comprehensive coverage options. They’re quite flexible. But I’ve heard that their premiums can be on the higher end.
As for Allstate, it’s funny you mention that because a friend of mine had a very positive experience with their claim resolution process. They found it efficient and stress-free. Perhaps it varies based on the specific circumstances of the claim?
Aviva does often come up as a cheaper option, and I agree that reviews are mixed. In my case, I found their customer service satisfactory. They were responsive when I needed them.
In the end, like you said, everyone’s experiences are unique. It’s all about finding what works for you personally. So, to the original poster, I’d recommend not ruling any company out based on one review but instead doing a bit of research and seeing what fits best for you. Good luck on your search!
This piece is informative and provides a clear explanation of what details are needed when using an auto insurance calculator. You’ve done a great job in highlighting how the accuracy of the provided information can affect the estimate’s precision.
As a suggestion, it could be helpful to mention the potential impact of one’s credit score on insurance rates, as this is often a factor considered by insurers. This could be added to the personal information section.
Additionally, under the “Deductible information” heading, you might want to clarify the inverse relationship between deductibles and premium costs — that is, a higher deductible generally means lower premiums and vice versa.
Lastly, a short explanation about the difference between ‘liability,’ ‘collision,’ and ‘comprehensive’ coverage could be beneficial for those who are new to car insurance and are not quite sure what those terms mean. Providing this context could help readers make more informed decisions.
Overall, your text is comprehensive and helpful. With a few tweaks, it can be even more informative for the reader. Keep up the good work!
This is an incredibly detailed breakdown of car insurance costs in Ontario across different driver profiles. I appreciate how the data illuminates the influence of factors such as the driver’s age, driving record, and even the type of usage on insurance rates. The striking cost difference between ‘Good Drivers’ and ‘Bad Drivers’ or ‘Teenage Drivers’ and ‘Seniors’ clearly underscores the financial benefits of safe driving habits. This could be an invaluable resource for drivers in their quest to find the best coverage suited to their needs, and it’s a great reminder of the importance of shopping around to compare quotes. It also brings to light the financial advantage of usage-based policies for drivers with low mileage. Thanks for this comprehensive and insightful post!
I’m planning to purchase a car, specifically a 2016-2018 Honda Civic, and I’m currently investigating various insurance packages before taking the plunge.
I’m a 26-year-old male, and I’ve had my full driving license since December 2019. Previously, I was insured with TD Insurance from 2018-2019 for a span of nearly a year, with a monthly rate of $250 ($3000 annually). This was during the time I held my G2 license. I’ve since sold that vehicle and have maintained a clean driving record, with zero tickets or accidents.
Now, I’m in the market for insurance again and the most affordable quotes I’m finding are upwards of $5000. It’s quite perplexing. How do I navigate towards reasonable car insurance in Ontario?
Note: I currently reside in the east end of Mississauga, but I plan on relocating somewhere between Hamilton and St. Catharines before acquiring the car.
Yikes, those quotes sound steep! I totally get your frustration. Car insurance in Ontario can feel like a real maze sometimes.
Since you’ve maintained a clean record, you’d think it’d count for something, right? Well, it does, but other factors come into play too – like your age, the car model, and where you live.
With your upcoming move, it might be worth waiting until you have your new address. Locations can significantly impact your premiums. Hamilton and St. Catharines typically have lower rates than Toronto.
Also, consider shopping around a bit more. Check out smaller insurance providers, like Economical or Gore Mutual. They sometimes offer better rates than the big-name companies.
You mentioned you’re looking at a Honda Civic. Keep in mind it’s one of the most stolen cars in Ontario, which could be pushing your quotes up. Maybe look into other similar models and get some comparative quotes.
Remember, having a higher deductible could lower your monthly premiums, but make sure it’s an amount you could comfortably cover if you ever needed to make a claim.
Best of luck with it all! Hope you find something more affordable soon.
On the brink of renewing my car insurance with Allstate, I found out that they bumped up my premium due to a change in parking location, a hike that seems totally unwarranted to me.
I have two cars (one is primarily driven by another family member, who is listed as a secondary driver on the policy). I am 30.
I own a Toyota Camry and a Subaru Forester with one speeding ticket for going 10 mph over the limit, costing me $520 :(
I’m contemplating checking out other providers before my renewal date and would welcome your advice.
I hear you – insurance hikes can be frustrating, especially when it seems like a minor change has prompted them. The Ontario market has a few options that you might want to consider.
Sonnet Insurance: These guys are pretty new to the scene but they’re entirely online which keeps their overheads low – and hopefully your premiums, too. They’re underwritten by Economical Insurance, which is a well-established company.
Aviva Insurance: Aviva is a well-known, reliable insurance provider and they offer a good range of coverages. They also have a unique option where you can buy coverage for only when you are actually driving.
Co-operators Insurance: They have a long-standing reputation in Ontario, and they offer some good discounts for bundling policies if you have home insurance needs, too.
Do remember to shop around, and maybe speak to a broker who can compare rates for you. Good luck with it all – hope you find a good deal!
Hello, I’m on the verge of buying a new car and looking for the most affordable car insurance options. How do I go about picking the cheapest insurance, like what are the factors to consider or checkboxes to mark? I’ve also come across information suggesting that insurance rates can vary depending on the car make and model. I’d appreciate any guidance you can provide on this matter.
Wow, the disparity in car insurance costs across Ontario is pretty startling, especially seeing how high the rates are in Brampton. It definitely underlines the fact that where you live can significantly impact your premiums, likely more than most of us would think. It’s particularly interesting to note how insurers consider factors such as population density, traffic conditions, and local accident rates to calculate these costs.
I live in Ottawa and feel somewhat relieved seeing it’s on the lower end of the scale compared to places like Toronto or Brampton. Although, when you consider that the difference in cost can amount to several hundred dollars per year, it does bring up questions about fairness and affordability.
The data here is an eye-opener for anyone looking to move to these areas or who are planning to buy a car. Foreknowledge of these costs could help with budgeting or even negotiating insurance rates. Thanks for sharing this valuable information!
Hey everyone,
I’ve been doing some research on car insurance options here in Ontario and came across the concept of pay-per-use insurance. The idea of only paying for the miles I actually drive sounds pretty appealing, considering my car spends a good chunk of its time parked these days.
I’m curious if anyone here has experience with these types of insurance plans? If so, could you share your thoughts on how it’s worked out for you? Is it genuinely more cost-effective compared to traditional plans? And what about the process of reporting mileage – is it straightforward or more of a hassle than it’s worth?
Any insights would be much appreciated. Thanks in advance!
It sounds like you’re in a similar situation to what I was in last year. I also found myself not using my car as much and couldn’t justify the cost of traditional insurance. So, I made the switch to CAA MyPace.
In terms of cost-effectiveness, it’s been a game-changer for me. The payment structure is flexible and only charges me for the kilometres I drive. It’s an ideal solution if your vehicle is often parked, as mine is.
The reporting mileage process isn’t as burdensome as one might think. When I signed up for CAA MyPace, they sent me a device to install in my car, which automatically records my mileage and sends the data to CAA. There’s no manual reporting on my end, so it’s pretty hassle-free.
But remember, pay-per-use might not suit everyone. If your driving habits change, or you end up driving more than you anticipate, you might want to reassess whether it’s the right choice for you.
In my case, CAA MyPace has worked out well and I would recommend looking into it if you don’t drive much.
I find this advice extremely helpful. It effectively outlines the key steps and considerations for using a car insurance calculator and ensuring you get the most accurate quotes possible. Emphasizing the importance of understanding our individual driving habits and checking for discounts are useful tips that some of us may overlook. The reminder to obtain and compare quotes from multiple providers is indeed a crucial step, as it enables us to navigate the insurance landscape and potentially discover better coverage or more competitive rates. The closing note about car insurance calculators being just one tool in understanding insurance costs is insightful. It reminds us to account for the nuances and specifics of our situation, which might not be fully captured by online calculators. Thanks for sharing these valuable tips!
Thanks for sharing these numbers! It’s indeed an eye-opener to see how age can significantly impact car insurance premiums in Ontario. These costs can be hefty, especially for younger drivers who are just starting. It’s concerning because this can make driving unaffordable for many in their early twenties.
However, it’s important to remember that these are only averages and there could be several opportunities to reduce the costs. Shopping around for different insurance companies, taking advantage of any discounts, and improving driving habits can all make a big difference. For example, having a clean driving record or completing a driver’s education course might lead to lower rates.
That said, I’d argue that the current system still disproportionately impacts younger drivers who may not have the means to afford such high rates. It seems like there should be more efforts to balance these costs. It’s a bit unjust to have to pay significantly more for auto insurance just because of your age bracket, even when you’re a responsible driver with a clean record. I understand the statistics about younger drivers having higher accident rates, but there must be a more balanced approach, don’t you think?
At least they still allow us to pay monthly for car insurance.
Ah, yes, totally agree with you there. As a Torontonian, I can attest that car insurance here really does feel like a hefty blow to the wallet. Between the packed roads, bumper-to-bumper traffic, and unfortunately frequent fender-benders, it’s no wonder the insurance rates are sky-high. And let’s not forget about the insurance fraud cases we keep hearing about on the news. The situation seems like a challenging puzzle to solve. 🚗💸🏙️ Anyone found any good strategies to bring down those rates?
Absolutely agree! When it comes to car insurance in Ontario, shopping around is vital. Not all insurance companies are created equal, and they don’t all assess risk in the same way. Therefore, prices can vary widely from one company to another, even for the same coverage. You can save hundreds of dollars just by comparing rates from different companies.
And as you’ve rightly pointed out, taking advantage of discounts is another excellent way to lower your insurance premium. Almost all insurers provide discounts, but they may differ in what they offer. Some common discounts include those for safe drivers, bundling policies, insuring multiple vehicles, or even something as simple as setting up automatic payments.
Furthermore, many people overlook the value of periodically reviewing their car insurance. Our circumstances and needs can change over time, and it’s essential to ensure that our insurance policy continues to offer the best possible coverage at the most affordable price.
So, in addition to using a car insurance calculator, always remember to read the fine print and understand what’s included and what’s not in your policy. This will help you avoid unexpected costs and ensure you have the right coverage when you need it most.