Car Insurance in Mississauga

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What is the best rate for car insurance in Mississauga? At Kanetix.ca, we will find the lowest rate and best insurance coverage you require. Use our convenient rate comparison tools, and shop for the best prices and the biggest savings on car insurance available. Compare Mississauga auto insurance quotes today for the best rate. It's fast, secure, and easy to use.
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Car Insurance in Mississauga

Car insurance in Mississauga is required by law. While you can't change the law, you can control how much you spend on your auto insurance, and who will get your business. Since rates change frequently, shopping around is vital to ensure you're getting the best Mississauga insurance rate. The rate you can get now compared to a year ago can be significant savings in your pocket!
  • Rates change about every three months. The Financial Services Commission of Ontario (FSCO) each quarter, reviews, approves and publishes the rate changes. Make sure you're up to date on your Mississauga car insurance rates with the Car Insurance Rate Tracker.
 

Mississauga car insurance policy 101

Your Mississauga car insurance policy is made up of some mandatory and some optional variety of coverages. The following are some of the mandatory coverages:
  • Accident Benefits: Accident Benefits are benefits you receive if you are injured in a collision, regardless of who was at fault.
  • Third Party Liability: Third Party Liability coverage pays for a legal claim for a collision that causes injury or damage to a third party. The minimum limit requirement is $200,000 although most drivers go with at least $1 million.
  • Direct Compensation - Property Damage (DCPD): This provides coverage for damage to your car and any property inside the car as a result of a collision in which you are not to blame.
  • Uninsured Motorist Coverage: This portion of your policy provides protection if you are in an accident and injured or killed by an uninsured driver or a hit-and-run driver.
As of June 2016, there are changes to your standard Accident Benefits coverage. Learn more about what's different and read, "Ontario Car Insurance Is Changing. What You Need to Know" Two of the most common optional coverages that can be added to your Mississauga car insurance policy are:
  • Collision: Damage to your vehicle as a result of impact or collision with another vehicle or object is covered.
  • Comprehensive: In the event your car is damaged in non-collision events like theft, vandalism or severe weather, you are covered.
Both of these optional coverages typically come with a deductible. A deductible is the portion of an insurance claim you agree to pay. Your deductibles will factor into how your auto insurance rates are calculated. The higher the deductible the lower your rates.  

What goes into your Mississauga car insurance rate?

The population of Mississauga now exceeds 715,000 people making it the sixth largest city in Canada.

The average age of drivers shopping for car insurance at Kanetix.ca is 40 and male drivers (70%) outnumber females (30%) by a significant degree. As many car insurance shoppers in Mississauga have found, the rate offered by auto insurance firms relies on several different elements.

Where you live in Mississauga, your commute, the car you drive, and your driving history are all factors that will be evaluated by your insurance provider.

Where you live in Mississauga

As one of the fastest growing major communities in Canada, Mississauga continues to experience busy traffic conditions and the proximity to the largest city in the nation adds to the driving challenges. Residing in certain areas of a busy city where there is more traffic congestion and other demanding driving conditions will sometimes result in a heavier insurance premium than living in quieter, more remote locations.

Your commute

Thousands of Mississauga residents commute to Toronto and other neighbouring communities for long periods. Those travelling greater distances by car to get to work are at risk for paying a bigger premium than those who work near their homes or make use of public transit to reach their place of employment.

The car you drive in Mississauga

Motorists, who currently hold insurance policies or those in the process of researching the best rates, realize the vehicle model and year is a major component in determining an auto insurance rate. Some cars have higher theft rates than others. Other models cost more to repair while some score higher on safety. These variations and dozens of other differences are examined carefully when generating insurance premiums. Drivers shopping for auto insurance in Mississauga, list the Honda Civic as the most popular car. The Toyota Corolla is the second most commonly insured automobile followed by the Honda Accord. The Mazda3 and Toyota Camry hold the fourth and fifth spot in terms of popularity among drivers searching for low rates on Kanetix.ca.

Your driving history

It should surprise no motorist that his or her driving record will be carefully scrutinized while calculating car insurance rates. Insurance premiums will reflect your past driving behaviour as insurance professionals examine all accidents, infractions, tickets or charges that appear on your driving record. A stellar driving history, with exemplary driving habits, will certainly be treated with high regard and therefore should qualify you for lower insurance premiums. More than half of all drivers in Mississauga have had at least one car accident, as reported while getting their auto insurance quotes. In fact, 62 per cent have reported at least one incident. Significantly less drivers (39%), report that they have received at least one ticket. Less than half of all male drivers (42%) indicated they had at least one ticket, which is a little higher when compared to the female group at 34%.

Drive Safely and Save

The vast majority of Kanetix.ca customers in Mississauga (82%) appear to use winter tires to steer clear of tricky and hazardous conditions. The most common pattern is to buy or install four winter tires in November and keep them on until April. If you follow this practice, you definitely should take advantage of the discount being offered by car insurance providers in Ontario to motorists who do so. Since January 1, 2016 when the Ontario government introduced the measure to promote safety, thousands of drivers province-wide have saved up to 5 per cent on car insurance premiums by installing snow tires. If drivers use some form of roadside assistance program, insurance companies sometimes offer a slight discount in rates.  According to shopping rate data from Kanetix.ca, 37 per cent of car insurance customers in Mississauga use roadside assistance programs and would qualify for the discount if it is available.

Pursue Other Discounts

Car insurance companies will provide significant cost savings to customers that hold multiple policies. Slightly more than half (56%) of Mississauga insurance customers are expected to apply for a multi-line discount from their provider. As you compare rates, it is a good idea to ask potential insurance firms about all of the discounts they offer. Completing a driver training course is one way to get a discount. To save even further, consider installing additional security features on your vehicle, or having an alarm system in your garage.

Shopping around can save you money

Comparing Mississauga auto insurance rates on a regular basis will ensure you're not overpaying for your coverage when it's time to renew. When your lifestyle changes, or you get married, move, or buy a new car, these are also good times to save and get a lower auto insurance rate.
*60% of Kanetix customers in Ontario who participated in the survey said Kanetix helped them identify an average savings amount of $776.58 (December 1, 2015 - February 29, 2016) on their car insurance. The cited amount represents the average difference between the best quote obtained at www.kanetix.ca and the current premium amount of participants in the survey. The savings amount varies by individual and does not constitute a guarantee; in each individual case, the difference may be smaller or greater than the savings amount cited.  

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auto INSURANCE QUOTE TICKER
Car Insurance Quotes Premium
Customer 54, MISSISSAUGA, ON
2004, HONDA, CR-V EX-L 4DR AWD
belairdirect$1654
Aviva$1967
CAA Insurance$2027
The Co-operators$2157
Economical Insurance$2247
Range of top quotes$593
Customer 23, MISSISSAUGA, ON
1998, ACURA, 3.5RL 4DR
belairdirect$1930
Economical Insurance$2394
Allstate$2558
Johnson Insurance$2712
Intact Insurance$2717
Range of top quotes$787
Customer 51, MISSISSAUGA, ON
2004, FORD, TAURUS SEL 4DR
CAA Insurance$1165
TD Insurance$1241
belairdirect$1312
Johnson Insurance$1321
Aviva$1624
Range of top quotes$459
Customer 41, MISSISSAUGA, ON
2013, CADILLAC, ATS TURBO 4DR
Desjardins Insurance$1579
Johnson Insurance$1898
Aviva$1996
The Co-operators$2243
Wawanesa$2355
Range of top quotes$776
Customer 44, MISSISSAUGA, ON
1999, HONDA, CIVIC LX 4DR
Economical Insurance$1421
Johnson Insurance$1928
The Co-operators$1932
belairdirect$1942
CAA Insurance$2083
Range of top quotes$662
Customer 26, MISSISSAUGA, ON
2001, VOLKSWAGEN, NEW BEETLE GLS 2DR
belairdirect$1662
CAA Insurance$1904
Economical Insurance$2022
Wawanesa$2045
Coachman Insurance$2171
Range of top quotes$509
Customer 48, MISSISSAUGA, ON
2007, HYUNDAI, TUCSON GL 4DR 2WD
Desjardins Insurance$1239
Johnson Insurance$1254
Aviva$1552
Economical Insurance$1665
Dominion of Canada$1674
Range of top quotes$435

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