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Car insurance in Ottawa
At Kanetix.ca, we know how to get the best rate for car insurance in Ottawa, without sacrificing any of the coverage you need. We help you shop the market for the biggest savings on car insurance available. Compare auto insurance quotes today. It's simple, secure, fast and free to use.
Shop around for a better rate
Everyone knows that you need car insurance to drive; it's the law. But just because it's a necessity doesn't mean you should overpay for it. Shopping around is the key to avoiding inflated prices, because rates often change. The company who gave you the best rate last time you got auto insurance may not be giving you the best rate this year.
- Rates change frequently - about every three months to be precise. The Financial Services Commission of Ontario (FSCO) reviews and approves the latest changes in car insurance rates on a quarterly basis. Keep track of how much people are paying for auto insurance in Ottawa with the Car Insurance Rate Tracker.
Real rates for real customers.
The basics of your car insurance policy
Car insurance policies are generally made up of a mixture of mandatory and optional coverages. The following is a summary of both:
- Accident benefits: If you're injured in an accident, this coverage can include medical and rehabilitation costs, funeral expenses, death benefits, as well as income replacement.
- Third party liability: If you're held legally responsible for a collision that causes injury or damage to a third party, this coverage helps with the legal claim. The minimum coverage starts at $200,000, although most drivers go with at least $1 million.
- Direct compensation - Property damage: This provides coverage for damage to your car and any property inside the car as a result of an automobile accident in which you are not-at-fault.
- Uninsured motorist coverage: This component of the standard Ontario auto insurance policy provides coverage for you and your family if you are injured or killed by hit-and-run driver or by a driver who is not insured.
The following are the two most common optional coverages:
- Collision: This covers damage to your vehicle as a result of an impact or collision with another vehicle or object.
- Comprehensive: This insures your car against damage caused by events like theft and vandalism.
Both of these optional coverages typically come with a deductible. A deductible is the portion of an insurance claim you agree to pay. Your deductible will factor into how your auto insurance rate is calculated; generally a higher the deductible means a lower rate.
What determines how much you pay for auto insurance in Ottawa?
You may have discovered that the rate of auto insurance can vary based on where you live. As the country's capital, the city of Ottawa continues to increase in population year after year. This means that more drivers are on the road, traffic is bound to increase, and more accidents are likely to occur.
Aside from where you live, however, there are other factors that can affect the rate you pay for auto insurance:
- Your commute: Those who drive greater distances to get to work or school are at risk of paying more for their car insurance than those who work near their homes or use public transit.
- Your driving history: Auto insurance companies examine your driving record carefully when calculating your rate. Insurance premiums will reflect your past driving behaviour, including accidents, infractions, tickets or charges. If you have a long history of safe driving, you may qualify for lower insurance premiums.
- The car you drive: Your vehicle model, year, and safety rating are major components in determining your auto insurance rate. Not only do certain cars have higher theft rates than others but repair costs may vary considerably depending on the vehicle model.
If you're in the market to buy a new car, make sure you factor in the cost of insurance. Compare car insurance quotes for multiple vehicles, side by side.
When should I shop around?
It's safe to say that the best way to save is by shopping around regularly - but how often is regular? Generally, you should compare quotes with different carriers annually before you renew, but also when you move, when you buy a new car... even when you get married. Anytime there's a major lifestyle change, it's probably a good time to see if a cheaper car insurance rate is available.
Other great ways to save more on your Ottawa insurance
Ottawa winters come with their fair share of driving difficulties. It only makes sense to install winter tires to steer clear of potential hazards and brake with ease. Those who install four winter tires in November and keep them on until April can also take advantage of the winter tire discount now offered by all car insurance providers in Ontario.
Some auto insurance companies will even consider lowering insurance rates for drivers who use some form of roadside assistance program.
While comparison shopping, it is a good idea to ask your insurance provider about all of the discounts offered. For example, you can usually get a discount for buying multiple policies with the same carrier. You could also save if you have completed a driver training course, installed additional security features on your vehicle, or put an alarm system in your garage.
Not ready to shop for insurance today?Set a renewal reminder and we'll let you know when it's time to save.
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