auto insurance in ontario
WHAT YOU NEED TO KNOW ABOUT CAR INSURANCE IN NIAGARAWe've compiled some of the most relevant information on car insurance in the Niagara Region to help further assist you in understanding how your premiums are determined.
The Niagara area is a beautiful vacation destination, and it is an even more beautiful place to live. In addition to Niagara Falls, the area is home to picturesque botanical gardens, wineries, hiking trails, and casinos. Traveling throughout the region is easy, and all the best sights are just a short car ride away. To get the most enjoyment from the area, practice safe driving in Niagara and be sure to protect yourself and your passengers with the best auto insurance - mandatory in Ontario.
People Live in Niagara
Of Niagara residents drive a car
Median age of drivers in Niagara
Average daily commute in Niagara
Average annual premium in Niagara
Average monthly premium in Niagara
Jessica is 38 and lives in Niagara Falls. She got auto insurance from Duliban on her Toyota Camry...
And is paying $1219 a year! That's just 101/Month!
What Does My Auto Insurance Policy in Niagara Cover?
Mandatory coverage for insurance in Ontario
This covers legal expenses if you’re sued after an accident. It covers the costs associated with injuries and damage that you caused to others if you’re at-fault in an accident.
This coverage provides funds if someone is injured and in an accident.
This covers all costs if a driver is uninsured or in the event of a hit-and-run.
Covers damage to your vehicle or other property if you’re not at fault in an accident that’s in Ontario.
Optional coverage for insurance in Ontario
This covers damage to your vehicle if you’re involved in an accident with an object, or are at-fault.
Covers damage to your vehicle which happen from incidents other than an accident such as hail, wind, water, theft, or even vandalism.
This coverage gives you one ‘free’ at-fault accident, meaning your rates will not increase on your first accident if you remain with the same company.
If your vehicle is deemed a total loss this coverage will protect you from depreciation. You’ll be entitled to the original price you paid/current sale price of your car.
This covers the expenses relating to towing your car after an accident.
You can have your car insurance coverage extend to protect you while driving a rental vehicle up to a certain limit.
City by City Average Auto Insurance PremiumsHow does some of Niagara's cities compare to others in Ontario.
GET THE BEST COVERAGE & PRICE ON YOUR NIAGARA AUTO INSURANCE.
How To Get the Best Ontario, Canada Auto Insurance Rates
The method insurance companies use to determine rates for auto insurance is often something of a mystery for drivers needing Ontario, Canada auto insurance.
Once you understand the factors auto insurance providers use to calculate their rates, it is easier to uncover ways to get a lower rate.
These are some of the factors insurance providers use to determine your rate:
- Your age
- Year, make, model of your car
- Driving history
- Where you live
- Marital status
While you have no control over certain factors such as your age, years of driving experience, gender, and other demographics, something you could change to get better auto insurance rates is moving to a city that offers more favorable rates. Depending on your city of residence, you will pay more or less for your car insurance.
For instance, you will pay less for car insurance in Ontario when you choose to live in geographical areas that are less densely populated. Research shows that there are fewer accidents, thefts, and other crimes where there are fewer people, and where roadways are less congested.
Other things you can do are maintain a safe driving record, increase your deductibles, and bundle your auto insurance with your home or tenant insurance policy.
Still another option for saving money on your car insurance is to review the Canadian Loss Experience Automobile Rating system, also known as CLEAR. The Canadian government designed this system to advise drivers of the likeliness of particular year/make/models of cars to be involved in a claim. You can also use the system to learn how much a claim might be for a particular car you are interested in buying. Autos that have a lower claims risk rating and CLEAR number are likely to qualify for lower auto insurance premiums.
If you are interested in another way to decrease your auto insurance premiums, you might consider getting a telematics device. Telematics leverage technology to record driving activities and insurance providers use the data to personalize auto insurance premiums.
Finally, it pays to shop for auto insurance once in a while. A different insurance provider may be able to offer you a more favorable rate.
Tips for Guests Traveling by Car to the Niagara Falls Area
The immense beauty of Niagara Falls makes the area a major tourist destination. However, the increased traffic in the area also contributes to higher collision rates and injuries due to car accidents. Moreover, drivers from out of the area are not as familiar with the roadways and may be distracted by all the wonderful sights.
If you are hosting guests from out of the area or out of the country, be advised they must have a valid driver’s license to drive in Ontario. They must also be able to show proof of car insurance from their place of primary residence.
Furthermore, drivers who enter Ontario from the United States should be advised that their car insurance will only cover the same coverages and limits they have on their personal auto insurance policies. Depending on the policy, auto insurance limits stated on a United States policy may be lower than the required minimum auto insurance limits in Ontario.
How Can I Get a Good Rate on Ontario Auto Insurance?
Once you understand the basics of auto insurance, you will be better informed on how to set up your coverages so you can save money without sacrificing the quality of your coverage.
A simple thing you can do to get a lower rate on your auto insurance is to increase your deductible. However, be aware you will need to pay your deductible first if you are deemed to be at fault in an accident.
Another simple thing you can do to save money is to drive safely. Follow the rules of the road and drive defensively. Leave plenty of room behind the car in front of you, and always obey the speed limit. Fewer tickets and accidents will help keep your auto insurance premiums down.
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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Who are Duliban Insurance Brokers LTD?Your Hometown Ontario Insurance Broker Since 1976
Our history starts in 1976. After 20 plus years working for a local steel mill, James Duliban purchased a small insurance brokerage in Welland called ‘R.F. Seehuber Insurance Agency’ and operated at that time under James Duliban Insurance Brokers.
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