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CAR INSURANCE
UNDERSTANDING AUTO INSURANCE IN NIAGARA

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

The Niagara area is a beautiful vacation destination, and it is an even more beautiful place to live. In addition to living near Niagara Falls, the area is home to picturesque botanical gardens, wineries, hiking trails, and casinos. Traveling in the Niagara area 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 Ontario, Canada auto insurance, which is mandatory in Ontario.

477,941

People Live in Niagara

66%

Of Niagara residents drive a car

46

Median age of drivers in Niagara

41.75 km

Average daily commute in Niagara

$2052

Average annual premium in Niagara

$171 month

Average monthly premium in Niagara

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What Does My Auto Insurance Policy in Niagara 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 some of Niagara's cities compare to others in Ontario.

Ontario $1,505
St. Catharines $1,327
Niagara Falls $1,327
Welland $1,327
Waterloo $1,351
Pelham/Fonthill $1,327
Grimsby $1,368
Dunnville $1,394
Hamilton $1,564
Burlington $1,374
Ajax $2,104
Toronto $1,953
Brampton $1,976
Guelph $1,391
Milton $1,498

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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
  • Gender
  • 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.

Google Rating: 4.7Some awesome words from our Duliban Client Family

Chase Creemer
Chase Creemer
2022-03-29
Verified
I have never used a broker before. Trevor was able help me secure lower payments for my insurance inquiries. He was very knowledgeable and professional. I would highly recommend everyone speak to Trevor about their insurance needs. I am very pleased and thankful for the savings. Chase
erick evans
erick evans
2022-03-23
Verified
One of the best brokers in niagara , i would recommend them 💯 . Amy does what she do best to find you a better insurance . Thank you amy for doing amazing job.
nelster01
nelster01
2022-03-16
Verified
Wanted to specifically thank Amy Brown for such excellent service. I cannot stress the level of service I have received from you as I look forward to a long term relationship with you and this company! Amazing pricing (truth be told they blew out all other companies pricing by decent margins). Def worth trying these guys out, you won’t be disappointed. A company that made shopping for insurance an actual enjoyable experience!!!! I can confidently refer you guys to my family and friends.
Ben Daly
Ben Daly
2022-03-05
Verified
Great service from the first call and Trevor Walton found me a great rate! I was skeptical of brokers and I’m not sure why as this has been nothing but a really good experience!
Carmen Bilcea
Carmen Bilcea
2022-02-20
Verified
I used this company recently to get an updated and a ... better quote for my car insurance. As new to Canada, my previous car insurance quote was ... astronomical, despite my driving history being imported from the UK due to the exchange driving license agreement between UK and Canada. Dealing with this company was smooth, fast, efficient, very pleasant and I got a very good pice for my car insurance. Domenic was just amazing. There were no pressure as to buy any other additional products I was not initially planning on buying and everything was done in an expedite manner. I will definitely use them in the future and I would highly recommend them based on my experience.
J G
J G
2022-02-06
Verified
I had my license since I was 16 years old, but moved out of the country to work for 10 years, during that 10 years my Ontario license expired, and basically, I had to start over again from G1 to G, which only took 3 weeks to complete when I came back to Canada. However, most insurance companies were giving me outrageous quotes per month, $250 to $350 a month because they considered me a new driver, even though I had been driving for 20+ years. So, I searched a few brokers to see if they could help, but they were not doing much better. I found Duliban and spoke with Warren. Warren found an insurance company willing to give me credit for my previous driving experience. Warren was friendly, hardworking, and really saved me a lot. Thanks, Warren!
Anna Delpero
Anna Delpero
2022-01-26
Verified
Duliban was referred to us by a friend who raved about the lower costs of auto/property insurance so we decided to call. We had never used a broker before and dealing with Amy Brown made such a difference. Her attitude and ability to answer any questions we had plus her follow-through was exceptional. The best part was the SAVINGS that clinched changing our Insurance Company. Highly recommend - just call and see what's possible. It was worth it for us!
Betty Gadon
Betty Gadon
2022-01-25
Verified
Amy Brown is the best, she was very professional and helpful.
Graham Cobb
Graham Cobb
2022-01-23
Verified
Very helpful and friendly service

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