Things to Know Before Getting Pickering Car Insurance

If you’re planning to get car insurance in Pickering, Ontario, Canada, here are some things you should know:

1. Car insurance rates in Pickering can vary widely depending on factors such as your driving record, age, and the type of vehicle you drive. It’s important to shop around and compare rates from multiple insurance providers to find the best coverage and price for your needs.
2. Pickering is a busy city with a growing population, and traffic congestion can be a problem in some areas, especially during rush hour. This can increase the risk of accidents and result in higher insurance premiums.
3. In Ontario, all drivers are required to have a minimum of $200,000 in third-party liability insurance. This coverage protects you if you are at fault in an accident and covers damages and injuries you may cause to others.
4. Drivers in Pickering can also choose to purchase additional coverage options, such as collision, comprehensive, and accident benefits coverage, to protect themselves and their vehicles in case of an accident or other types of losses.
5. Car insurance providers in Pickering offer a variety of discounts to help drivers save money on their premiums. These discounts may be based on factors such as age, driving record, and type of vehicle.
6. Pickering has specific parking regulations, including designated parking zones, parking meters, and time-limited parking. Be sure to observe these regulations to avoid parking tickets and fines.
7. If you’re a new driver or have a poor driving record, you may face higher insurance premiums in Pickering. Consider taking a defensive driving course or other steps to improve your driving record and qualify for lower rates.
8. Pickering has a variety of public transportation options, including buses and a train service, that can help you save money on gas and reduce traffic congestion. Consider taking advantage of these options to save money and reduce your environmental impact.

What is the Average Car Insurance Rate in Pickering

The average cost of car insurance in Pickering is $1,575.

Average car insurance costs in Pickering, the monthly costs for different driver profiles for a driver profile of age 35, married, with a clean driving record may range as follows:

Note that the actual cost of car insurance may vary depending on factors such as the driver’s location, type of vehicle, coverage options, and insurer. Drivers should compare quotes from multiple insurers to find the best coverage and rates for their individual needs.

The estimated monthly car insurance costs range for different types of cars for a driver profile of age 35, married, with a clean driving record may be as follows:

The estimated monthly car insurance costs range for a driver profile of age 35, married, based on the driving history may be as follows:

How Does Pickering’s Average Car Insurance Cost Compare to Other Cities in Ontario?

Here is a list of average annual car insurance premiums for some cities in Ontario, Canada, as reported by the Insurance Bureau of Canada in 2019:

• Toronto: $1,743
• Brampton: $2,698
• Mississauga: $1,907
• Ottawa: $1,191
• Hamilton: $1,268
• London: $1,307
• Kitchener-Waterloo: $1,179
• Windsor: $1,488
• Guelph: $1,430
• Barrie: $1,381
• Pickering: $1,261

Which Car Has the Cheapest Car Insurance in Pickering?

Here is a list of some cars that are generally considered to have lower insurance premiums:

• Honda Civic – $1341
• Toyota Corolla – $1345
• Mazda3 – $1363
• Hyundai Elantra – $1321
• Nissan Sentra – $1376
• Chevrolet Cruze – $1388
• Ford Focus – $1322
• Kia Forte – $1297
• Volkswagen Jetta – $1398

How to Get the Cheapest Car Insurance in Pickering?

If you’re looking to get the cheapest car insurance in Pickering, Ontario, Canada, here are some tips to help you save money on your premiums:

1. Shop around: Get quotes from multiple insurance providers to compare rates and coverage options. This will help you find the best coverage and price for your needs.
2. Bundle policies: If you have multiple insurance policies, such as home and auto insurance, consider bundling them with one provider to save money on your premiums.
3. Increase your deductible: A higher deductible can lower your monthly premium, but keep in mind that you’ll need to pay more out of pocket if you get into an accident.
4. Take advantage of discounts: Many insurance providers offer discounts for things like safe driving, multiple policies, and low mileage. Be sure to ask about any available discounts that you may be eligible for.
5. Drive safely: Avoid accidents and traffic violations to keep your driving record clean. This can help you qualify for lower rates over time.
6. Choose a car with lower insurance costs: As mentioned earlier, cars with a good safety rating, low repair costs, and a low likelihood of theft or damage tend to have lower insurance premiums.
7. Consider telematics or usage-based insurance: Some insurance providers offer telematics or usage-based insurance, which tracks your driving habits and adjusts your premium based on how you drive.
8. Pay annually: Paying your premium annually instead of monthly can sometimes result in a lower overall cost.
9. Use an independent insurance broker: An independent insurance broker can help you find the best coverage and price for your needs by comparing rates from multiple providers. They can also offer advice on ways to save money on your premiums.

Pickering Car Insurance Facts

Here are some car insurance facts specific to Pickering, Ontario, Canada:

1. Pickering has a growing population, which can contribute to higher car insurance rates due to increased traffic and accident risk.
2. Pickering has a high number of commuters who drive to work, which can also increase the risk of accidents and result in higher insurance premiums.
3. Pickering has a number of rural areas, which may have different driving risks and coverage requirements than urban or suburban areas.
4. As in other cities in Ontario, all drivers in Pickering are required to have a minimum of $200,000 in third-party liability insurance. This coverage protects you if you are at fault in an accident and covers damages and injuries you may cause to others.
5. Pickering drivers can also choose to purchase additional coverage options, such as collision, comprehensive, and accident benefits coverage, to protect themselves and their vehicles in case of an accident or other types of losses.
6. Car insurance providers in Pickering offer a variety of discounts to help drivers save money on their premiums. These discounts may be based on factors such as age, driving record, and type of vehicle.
7. Pickering has specific parking regulations, including designated parking zones, parking meters, and time-limited parking. Be sure to observe these regulations to avoid parking tickets and fines.
8. Pickering drivers may be required to have a different type of insurance coverage if they use their vehicle for commercial purposes, such as ridesharing or delivery services.
9. Ontario has a “no-fault” insurance system, which means that drivers must file claims with their own insurance provider regardless of who is at fault in an accident. This can affect how insurance premiums are calculated and how claims are handled.

List of Best Car Insurance Companies in Pickering

Here is a list of some of the best car insurance companies in Pickering, Ontario, Canada, along with a brief description of each and some online reviews:

• Allstate Insurance: Allstate is a well-known insurance company that offers a range of coverage options, including car insurance, home insurance, and life insurance. Customers praise the company for its friendly and knowledgeable agents, fast claims processing, and competitive rates.
• Aviva Canada: Aviva Canada is a leading insurance provider that offers a wide range of coverage options, including car insurance, home insurance, and business insurance. Customers praise the company for its excellent customer service, flexible coverage options, and fast claims processing.
• TD Insurance: TD Insurance is a trusted insurance provider that offers a range of coverage options, including car insurance, home insurance, and travel insurance. Customers praise the company for its competitive rates, excellent customer service, and fast claims processing.
• Intact Insurance: Intact Insurance is a leading provider of car insurance, home insurance, and business insurance in Canada. Customers praise the company for its competitive rates, personalized service, and fast claims processing.
• Sonnet Insurance: Sonnet Insurance is a digital insurance provider that offers a range of coverage options, including car insurance, home insurance, and travel insurance. Customers praise the company for its easy-to-use website and mobile app, competitive rates, and excellent customer service.

List of Best Car Insurance Brokers in Pickering

Here are some of the best independent car insurance brokers in Pickering, Ontario, Canada, along with a brief description of each and some online reviews:

• Oracle RMS Insurance Brokers: Oracle RMS Insurance Brokers is an independent insurance brokerage that offers a range of coverage options, including car insurance, home insurance, and business insurance. Customers praise the company for its knowledgeable and friendly agents, excellent customer service, and competitive rates.
• Archway Insurance Brokers: Archway Insurance Brokers is an independent insurance brokerage that offers a range of coverage options, including car insurance, home insurance, and life insurance. Customers praise the company for its personalized service, competitive rates, and fast claims processing.
• Insurance Hero: Insurance Hero is an independent insurance brokerage that offers a range of coverage options, including car insurance, home insurance, and travel insurance. Customers praise the company for its easy-to-use website and mobile app, competitive rates, and excellent customer service.
• JD Smith Insurance Brokers: JD Smith Insurance Brokers is an independent insurance brokerage that offers a range of coverage options, including car insurance, home insurance, and business insurance. Customers praise the company for its knowledgeable and helpful agents, personalized service, and competitive rates.
• Mitchell & Whale Insurance Brokers: Mitchell & Whale Insurance Brokers is an independent insurance brokerage that offers a range of coverage options, including car insurance, home insurance, and business insurance. Customers praise the company for its fast and efficient service, competitive rates, and helpful agents.

Tips for Drivers in Pickering

Here are some tips for drivers in Pickering, Ontario, Canada:

1. Watch your speed: Pickering has a number of speed limits that vary depending on the location and road conditions. Be sure to obey posted speed limits to avoid fines and accidents.
2. Drive defensively: Always be aware of your surroundings and other drivers on the road. Look out for potential hazards and be prepared to take evasive action if necessary.
3. Use caution in bad weather: Pickering can experience a variety of weather conditions, from heavy rain to snow and ice. Be sure to adjust your driving to suit the weather conditions, and avoid driving if conditions are particularly hazardous.
4. Avoid distracted driving: Distracted driving is a leading cause of accidents in Ontario. Avoid using your phone or other electronic devices while driving, and limit other distractions such as eating or drinking while behind the wheel.
5. Follow parking regulations: Pickering has specific parking regulations, including designated parking zones, parking meters, and time-limited parking. Be sure to observe these regulations to avoid parking tickets and fines.
6. Keep your vehicle maintained: Regular vehicle maintenance can help prevent breakdowns and accidents. Be sure to keep up with routine maintenance, such as oil changes and tire rotations, and address any issues promptly.
7. Use public transportation: Pickering has a number of public transportation options, including buses and trains. Consider using these options to reduce traffic congestion and lower your carbon footprint.
8. Know your insurance coverage: It’s important to understand your car insurance coverage and what it protects you against. Be sure to review your policy carefully and ask your insurance provider if you have any questions.
9. Keep your documentation up-to-date: Be sure to keep your driver’s license, vehicle registration, and insurance documents up-to-date and easily accessible while driving. This can help you avoid fines and other penalties.

What are the Most Dangerous Intersections in Pickering?

The City of Pickering does not publish a list of the most dangerous intersections. However, according to the Durham Regional Police Service, some of the intersections with the highest number of collisions in Pickering include:

1. Brock Road and Highway 401
2. Kingston Road and Liverpool Road
3. Bayly Street and Brock Road
4. Brock Road and Finch Avenue
5. Kingston Road and Valley Farm Road

Total Reportable Collisions in Pickering, 2013 – 2021

The total reportable collisions in Pickering, Ontario, Canada from 2013 to 2021 are not publicly available. However, data on motor vehicle collisions in Durham Region, which includes Pickering, is reported annually by the Durham Regional Police Service.

According to the 2020 Annual Report from the Durham Regional Police Service, there were a total of 7,902 motor vehicle collisions in Durham Region in 2020, which was a decrease from 9,554 collisions in 2019. The report notes that the decrease in collisions in 2020 was likely due to the COVID-19 pandemic, which resulted in reduced traffic volumes and changes in driver behavior.

The report also notes that distracted driving, speeding, and impaired driving continue to be leading causes of motor vehicle collisions in Durham Region, and that the majority of collisions occur at intersections. It is important for drivers to be aware of these risks and to take appropriate precautions while driving to help reduce the risk of accidents.