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CAR INSURANCE
UNDERSTANDING AUTO INSURANCE IN
BINBROOK

WHAT YOU NEED TO KNOW ABOUT CAR INSURANCE IN BINBROOKWe have compiled some of the most relevant information about Binbrook car insurance numbers from top sources to help further assist you in understanding how your auto insurance premiums are determined.

10,791

People Live in Binbrook

32.7

Average age of the population in Binbrook

30.9

Median age of drivers in Binbrook

1,372.2

Population density per square kilometre

$1,327

Average annual premium in Binbrook

$110/month

Average monthly premium in Binbrook

Living and Driving in Binbrook, Ontario

Binbrook, Ontario, has witnessed tremendous growth between its last two censuses, seeing a 22.7% growth in population. This means more homes and additional vehicles on the highway. Before heading on your next road trip, check your Auto Insurance policy and be sure you have the coverage you need at the best rate.

This beautiful city is known for its 396-hectare conservation area. It is located on Lake Niapenco and features a swimming beach, picnic facilities, nature trails, and observation platforms. They boast of cottage country that is close to home.

It is no wonder visitors flock to it when the weather turns warmer. Also, with Lake Ontario to the north and Lake Erie to the south, there is no shortage of outdoor recreation for the Binbrook watercraft enthusiast.

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What Does My Auto Insurance Policy in Binbrook Cover?

Auto insurance is designed to protect you in several ways. The primary reason you should buy auto insurance is it protects you against liability when you are involved in an auto accident where you are responsible for someone else’s injuries or property damage.

 

Direct Compensation-Property Damage (DC-PD) is coverage that protects you and your vehicle. It covers your auto and its contents as well as the loss of use of your auto, and the payment will come directly from your insurance provider. DC-PD only applies if the accident occurs in Ontario and there was more than one vehicle involved. Also, at least one of the other vehicles must be insured by a company that is licensed in Ontario or has a special agreement with FSCO to provide insurance coverage.

 

Collision coverage is optional and covers your car. It is a valuable coverage to have if an accident does not qualify for DC-PD and you want to ensure you can get your car fixed.

Statutory accident benefits coverage pays for your medical bills if you are injured in an auto accident regardless of who caused the accident, and it pays for income loss as well.

 

There is always a concern that another driver will not have auto insurance. Therefore, auto insurance in Ontario includes uninsured automobile coverage to provide coverage if you or your passengers are killed or injured by an uninsured motorist or hit-and-run driver.

 

These are the basic auto insurance coverages in Ontario, and you can add extra coverages by endorsement or increasing certain limits.

City by City Average Auto Insurance PremiumsHow does Binbrook compare to other cities in Ontario.

Ontario $1,505
Etobicoke $1,684
Niagara Falls $1,327
Mississauga $1,996
Waterloo $1,351
Binbrook $1,327
Grimsby $1,368
Hamilton $1,664
Cambridge $1,378
Burlington $1,374
Ajax $2,104
Toronto $1,953
Brampton $1,976
Guelph $1,391
Milton $1,498

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What Are Some Fun Activities in Binbrook, Ontario?

Binbrook, Ontario, has activities for the small towner:

 

  • Binbrook Little Theater
  • Hamilton Public Library
  • Binbrook (Niagara Peninsula) Conservation Area

 

With its smaller size, a road trip to its neighbouring communities is needed to experience any variety. You may also head up into the larger city of Hamilton for additional entertainment options. Binbrook does have an exceptional living score from AreaVibes, most likely because of its low crime, A+ housing score, and excellent schooling system.

Binbrook Roads and Surrounding Areas

Benbrook’s heart is at the intersection of 65 and 56; both are the only ways in or out of the city buried within this farming community. Either will connect you with major highways that will take you into Hamilton and to both Lakes.

It is about a 25-minute drive from Binbrook to the Hamilton city center.

Once on the highway, you will begin to notice the changeover from track homes and traffic signals to country living, driving through many farming communities until you hit the edge of town, entering the hustle and bustle of Hamilton.

 

Once in Hamilton, you have greater access to shopping, eating, and amenities. Other forms of entertainment include Gage Park, Dundurn Castle, and The Hamilton Toy Museum.

 

Some of Binbrook’s closest neighbourhoods are Mt. Hope, Caledonia, and Stoney Creek, each benefiting the residents of Binbrook.

 

Mt. Hope

Mt. Hope is a city about 12 kilometres west of Binbrook. It is filled with entertainment, including two golf courses and an amusement park.

 

First, you have Southern Pines Golf and Country Club, an 18-hole course with dining. Willow Valley Golf Course is just a short drive north on Upper James Street; it also has 18 holes. A mile closer to Hamilton, you will find Cameron Speedway and Amusements; go-karts and paintball are the main attractions at this entertainment facility.

 

Caledonia

Heading south from Binbrook, just across the Grand River, you find Caledonia. At the end of September, all eyes, ears, and stomachs are on this small community because that is when the Caledonia Fair takes place.

 

Not only do the fairgrounds host the annual fair, but they host a variety of events throughout the year, from dog shows to car shows to celebrating Canada Day.

 

Caledonia also has a spooky past, so they host special activities, including a lantern holding haunted history walk during the weekends in October.

 

Stoney Creek

This coastal community is about 17 kilometres north of the city of Binbrook. It is more or less part of Hamilton, but as far east as you could get from the city’s center before getting into Fifty Point Conservation Area.

 

Being seaside, there is plenty to do, from Confederation Beach Park to ice skating at Gateway Ice Centre. If you enjoy trail walking, Escarpment Trail takes you up along Albion Falls and has something from novice to the expert trailblazer.

If your car is older and you do not have a loan on it, you might consider dropping the collision coverage. Just be aware that you may not have coverage for damage to your car depending on the circumstances of an accident.

 

Finally, shop around for auto insurance on occasion. Auto insurers are always looking for ways to lower their premiums. You might find that another insurance company offers a better rate than the one you are currently getting.

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2022-05-30
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