Things to Know Before Getting Scarborough Car Insurance

Here are some things to know before getting Scarborough car insurance:

1. Minimum Coverage Requirements: In Scarborough, all drivers are required to have a minimum amount of insurance coverage that includes third-party liability, accident benefits, and uninsured automobile coverage. It’s important to make sure you have at least the minimum amount of coverage required by law, and consider purchasing additional coverage as needed.
2. Insurance Rates: Car insurance rates in Scarborough can vary widely depending on a number of factors, including the driver’s age, driving history, and the specific features and options on the car. It’s always a good idea to obtain quotes from multiple insurance providers and compare them based on the coverage you need.
3. Winter Tires Discount: Scarborough experiences harsh winter weather, and many insurance providers offer discounts for drivers who install winter tires on their vehicles. This can help improve traction on icy roads and reduce the risk of accidents.
4. Traffic: Scarborough has a large population, which means there is often heavy traffic on the roads. Be sure to plan your route ahead of time and allow extra time for your commute.
5. Pedestrian Safety: Be aware of pedestrians on the roads, particularly in areas with heavy foot traffic such as near shopping centres, schools, and parks. Always yield to pedestrians at crosswalks and be extra cautious in school zones.
6. Insurance Fraud: Insurance fraud is a serious problem in Scarborough and can lead to higher insurance premiums for all drivers. Be aware of common fraud schemes, such as staged accidents, and report any suspicious activity to your insurance provider or the police.
7. Local Insurance Providers: There are many insurance providers that operate in Scarborough, including both large national companies and smaller local providers. Consider working with a local insurance provider who has experience with the unique driving conditions in Scarborough and can provide personalized service to meet your needs.

How Much Does Car Insurance Cost in Scarborough

The average cost of car insurance in Scarborough is $2,405.

Note that the actual cost of car insurance may vary depending on factors such as the driver’s age, driving history, location, 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.

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

Average car insurance costs in Scarborough, 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:

Average car insurance costs in Scarborough, the monthly costs for different driving histories for a driver profile of age 35, married may range as follows:

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

Here is a list of the average annual car insurance rates for a 35-year-old driver with a clean driving record in some of the major cities in Ontario, as of 2023:

• Toronto: $2,337
• Ottawa: $1,228
• London: $1,322
• Brampton: $2,798
• Mississauga: $2,416
• Hamilton: $1,622
• Windsor: $1,310
• Kitchener: $1,508
• Markham: $1,956
• Vaughan: $1,940
• Scarborough: $2,405

Which Cars Have the Cheapest Car Insurance in Scarborough?

Here is a list of some cars that may have lower insurance rates in Scarborough:

• Honda Civic – $2,205
• Toyota Corolla  – $2,215
• Mazda3 – $2,145
• Hyundai Elantra – $2,231
• Kia Forte – $2,310
• Ford Focus – $2,211
• Nissan Sentra – $2,251
• Volkswagen Jetta – $2,315
• Chevrolet Cruze – $2,256
• Subaru Impreza – $2,273

How to Get the Cheapest Car Insurance in Scarborough?

Here are some tips on how to get the cheapest car insurance in Scarborough:

1. Shop Around: Get quotes from multiple insurance providers to compare rates and coverage options. Consider working with a local insurance provider who has experience with the unique driving conditions in Scarborough and can provide personalized service to meet your needs.
2. Bundle Your Policies: Many insurance providers offer discounts for bundling your car insurance with other policies such as home insurance.
3. Increase Your Deductible: Raising your deductible can lower your insurance premiums, but make sure you have enough savings to cover the higher deductible in case of an accident.
4. Install Anti-Theft Devices: Installing anti-theft devices such as alarms and tracking systems can help lower your insurance rates.
5. Maintain a Safe Driving Record: Having a clean driving record can help lower your insurance rates. Avoid speeding, distracted driving, and other dangerous driving behaviors that can lead to accidents and violations.
6. Take Advantage of Discounts: Many insurance providers offer discounts for installing winter tires, having a good driving record, or completing a driver training program.
7. Review Your Coverage Regularly: Review your coverage regularly to make sure you have the right amount of coverage for your needs. Consider reducing coverage on older cars that have depreciated in value.

Scarborough Car Insurance Facts

Here are some Scarborough car insurance facts:

1. Higher Insurance Rates: Scarborough has higher car insurance rates compared to other areas in Ontario due to factors such as traffic congestion, a higher rate of insurance fraud, and severe weather conditions during the winter.
2. Minimum Coverage Requirements: In Scarborough, all drivers are required to have a minimum amount of insurance coverage that includes third-party liability, accident benefits, and uninsured automobile coverage.
3. Winter Tires Discount: Many insurance providers offer discounts for drivers who install winter tires on their vehicles in Scarborough. This can help improve traction on icy roads and reduce the risk of accidents.
4. Local Insurance Providers: There are many insurance providers that operate in Scarborough, including both large national companies and smaller local providers. Consider working with a local insurance provider who has experience with the unique driving conditions in Scarborough and can provide personalized service to meet your needs.
5. Traffic Congestion: Scarborough has a growing population, which means there is often heavy traffic on the roads. Be sure to plan your route ahead of time and allow extra time for your commute.
6. Insurance Fraud: Insurance fraud is a serious problem in Scarborough and can lead to higher insurance premiums for all drivers. Be aware of common fraud schemes, such as staged accidents, and report any suspicious activity to your insurance provider or the police.
7. Pedestrian Safety: Be aware of pedestrians on the roads, particularly in areas with heavy foot traffic such as near shopping centres, schools, and parks. Always yield to pedestrians at crosswalks and be extra cautious in school zones.

Top 10 List of Best Car Insurance Companies in Scarborough

Here are some of the best car insurance companies in Scarborough, along with their descriptions, reviews, and star ratings:

• Allstate Insurance: Allstate Insurance is a well-known insurance provider in Scarborough that offers a wide range of coverage options for drivers. Customers have rated Allstate Insurance 4.5 out of 5 stars on Google.
• Aviva Canada: Aviva Canada is a leading insurance provider in Scarborough that offers coverage options for a variety of vehicles, including cars, motorcycles, and boats. Customers have rated Aviva Canada 3.8 out of 5 stars on Google.
• Intact Insurance: Intact Insurance is a trusted insurance provider in Scarborough that offers customizable coverage options for drivers. Customers have rated Intact Insurance 4.1 out of 5 stars on Google.
• State Farm Insurance: State Farm Insurance is a well-known insurance provider in Scarborough that offers a range of coverage options for drivers. Customers have rated State Farm Insurance 3.7 out of 5 stars on Google.
• Wawanesa Insurance: Wawanesa Insurance is a trusted insurance provider in Scarborough that offers coverage options for a variety of vehicles. Customers have rated Wawanesa Insurance 4.6 out of 5 stars on Google.
• Johnson Insurance: Johnson Insurance is a Canadian insurance provider with a local office in Scarborough that offers a range of coverage options for drivers. Customers have rated Johnson Insurance 4.1 out of 5 stars on Google.
• RBC Insurance: RBC Insurance is a well-known insurance provider in Scarborough that offers a variety of coverage options for drivers. Customers have rated RBC Insurance 3.7 out of 5 stars on Google.
• TD Insurance: TD Insurance is a popular insurance provider in Scarborough that offers customizable coverage options for drivers. Customers have rated TD Insurance 3.8 out of 5 stars on Google.
• Desjardins Insurance: Desjardins Insurance is a trusted insurance provider in Scarborough that offers a range of coverage options for drivers. Customers have rated Desjardins Insurance 3.8 out of 5 stars on Google.
• PC Insurance: PC Insurance is a Canadian insurance provider with a local office in Scarborough that offers customizable coverage options for drivers. Customers have rated PC Insurance 3.2 out of 5 stars on Google.

Top 10 List of Best Car Insurance Brokers in Scarborough

Here are some of the best independent car insurance brokers in Scarborough, along with their descriptions, reviews, and star ratings:

• Guthrie Insurance Brokers Ltd: Guthrie Insurance Brokers is an independent insurance broker in Scarborough that offers a range of insurance products, including car insurance. Customers have rated Guthrie Insurance Brokers 4.6 out of 5 stars on Google.
• Umbrella Insurance Services: Umbrella Insurance Services is a trusted independent insurance broker in Scarborough that offers customized coverage options for drivers. Customers have rated Umbrella Insurance Services 4.6 out of 5 stars on Google.
• Ambroziak & Rao Insurance Brokers: Ambroziak & Rao Insurance Brokers is an independent insurance broker in Scarborough that specializes in personal insurance products, including car insurance. Customers have rated Ambroziak & Rao Insurance Brokers 5.0 out of 5 stars on Google.
• Secure Insurance Solutions Group Inc: Secure Insurance Solutions Group is an independent insurance broker in Scarborough that offers a range of coverage options for drivers. Customers have rated Secure Insurance Solutions Group 5.0 out of 5 stars on Google.
• Fairview Insurance Brokers Inc: Fairview Insurance Brokers is an independent insurance broker in Scarborough that offers a variety of insurance products, including car insurance. Customers have rated Fairview Insurance Brokers 5.0 out of 5 stars on Google.
• Insurance Hero: Insurance Hero is an independent insurance broker in Scarborough that offers customized coverage options for drivers. Customers have rated Insurance Hero 4.9 out of 5 stars on Google.
• Peacock Sheridan Group: Peacock Sheridan Group is a well-established independent insurance broker in Scarborough that offers a range of insurance products, including car insurance. Customers have rated Peacock Sheridan Group 5.0 out of 5 stars on Google.
• SmartCoverage Insurance: SmartCoverage Insurance is an independent insurance broker in Scarborough that offers a variety of insurance products, including car insurance. Customers have rated SmartCoverage Insurance 4.9 out of 5 stars on Google.
• Oracle RMS Insurance Brokers: Oracle RMS Insurance Brokers is an independent insurance broker in Scarborough that specializes in risk management and insurance solutions for a range of industries, including automotive. Customers have rated Oracle RMS Insurance Brokers 4.7 out of 5 stars on Google.
• Gifford Carr Insurance Group: Gifford Carr Insurance Group is an independent insurance broker in Scarborough that offers customized insurance solutions for a variety of industries, including automotive. Customers have rated Gifford Carr Insurance Group 4.8 out of 5 stars on Google.

Tips for Drivers in Scarborough. Only actual Scarborough

Here are some tips for drivers in Scarborough:

1. Avoid Rush Hour Traffic: Scarborough can be busy during rush hour traffic, particularly on the major thoroughfares such as the 401 and the 404. Try to avoid peak traffic times if possible, or plan your route ahead of time to avoid congestion.
2. Watch for Pedestrians: Scarborough has many busy pedestrian areas, including shopping centres, schools, and parks. Be sure to yield to pedestrians at crosswalks and be extra cautious in school zones.
3. Be Prepared for Winter Weather: Scarborough can experience severe winter weather, including snow and ice storms. Be sure to prepare your car for winter driving conditions by installing winter tires, keeping a snow brush and ice scraper in your car, and avoiding sudden movements or sharp turns on slippery roads.
4. Be Aware of Insurance Fraud: Insurance fraud is a serious problem in Scarborough and can lead to higher insurance premiums for all drivers. Be aware of common fraud schemes, such as staged accidents, and report any suspicious activity to your insurance provider or the police.
5. Follow Traffic Laws: Scarborough has a number of traffic laws and regulations that drivers must follow, including speed limits, seatbelt laws, and distracted driving laws. Be sure to obey these laws to stay safe on the road.
6. Consider Public Transit: Scarborough has a variety of public transit options, including the TTC subway and bus system, that can help you avoid traffic congestion and reduce your carbon footprint.
7. Stay Alert: Finally, always be aware of your surroundings and stay alert while driving. Avoid distracted driving behaviors such as texting or eating while behind the wheel, and always keep your focus on the road to avoid accidents.

What are the Most Dangerous Intersections in Scarborough?

According to data from the Toronto Police Service, some of the most dangerous intersections in Scarborough in terms of the number of collisions are:

1. Markham Road and Sheppard Avenue East
2. Kennedy Road and Sheppard Avenue East
3. McCowan Road and Finch Avenue East
4. McCowan Road and Sheppard Avenue East
5. Markham Road and Finch Avenue East

Total Reportable Collisions in Scarborough

According to the data from the Toronto Police Service, here is the total number of reportable collisions in Scarborough from 2013 to 2021:

• 2013: 8,183
• 2014: 7,563
• 2015: 7,761
• 2016: 8,054
• 2017: 8,317
• 2018: 8,745
• 2019: 9,003
• 2020: 6,831
• 2021 (as of October 31): 6,491