Car Insurance in Richmond Hill

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Car Insurance for Richmond Hill

Everyone know that car insurance is mandatory. However, what's not mandatory is overpaying for it which is why it's essential to regularly shop around for the coverage you need. Shopping around is key to paying less for your Richmond Hill auto insurance because rates often change. The auto insurer who offered you the best Richmond Hill car insurance rate last year, may not be the provider who can give you the best rate this year.
  • It's a fact, rates change frequently. Every quarter the Financial Services Commission of Ontario (FSCO) reviews and approves the latest changes. Keep track of your Richmond Hill auto insurance and sign up for the Car Insurance Rate Tracker.

The framework for your Richmond Hill car insurance

Your Richmond Hill auto insurance policy, like all policies in Ontario, are made up mandatory coverages including:
  • Accident Benefits: Regardless of who is at fault for the collision, Accident Benefits covers you if you are injured in an accident. These benefits are made up of many components and, depending on the injury, can cover expenses from things like physiotherapy and chiropractic services to hiring someone to clean or upkeep your house.
  • Third Party Liability: Third Party Liability coverage pays for a legal claim for a collision that causes injury or damage to a third party.
  • Direct Compensation - Property Damage: DCPD provides coverage for damage to your car as well as the stuff you have inside the vehicle that stems from a collision in which you are not-at-fault.
  • Uninsured Motorist Coverage: This coverage protects you and your family if you are injured or killed by a hit-and-run driver or by an uninsured motorist.
Your Richmond Hill auto insurance policy, may also include optional coverages too and the most well known are:
  • Collision: This covers damage to your vehicle if you hit another vehicle or object, or if you're hit by another driver.
  • Comprehensive: This covers damage to your car for non-collision events like damage that may result from a theft or vandalism.
What goes into your Richmond Hill car insurance rate? More than 185,500 people now live in Richmond Hill. It is interesting to note that in the early 1990s, Statistics Canada reported that Richmond Hill was the fastest-growing community in Canada. While growth in the community may have scaled back a bit, Richmond Hill is still a town of drivers in search of the best priced auto insurance rates. The average age of drivers shopping from Richmond Hill for car insurance at is 40 and male drivers (67%) outnumber their female counterparts (33%) quite significantly. When drivers decide to renew existing insurance policies in Richmond Hill or apply to obtain insurance for the first time, their car insurance rate will encompass a number of different factors. Among the notable points of consideration that factor into your car insurance rate are where you live in Richmond Hill, your commute, the car you drive, and your driving record, to name just a few.

Your Richmond Hill neighbourhood

Richmond Hill is the 28th most populous municipality in Canada and the motorists that reside in the area face the same driving conditions, challenges and frustrations that are encountered by Toronto drivers each day. The possibilities of car theft and getting into accidents or collisions are risks that are considered when generating the cost to insure vehicles.

How often, far, you commute

Richmond Hill drivers are part of the Greater Toronto area and this will be incorporated in the cost of car insurance. Should you work near your home or use public transit there may be some benefit when your car insurance rates are determined.

The car you drive in Richmond Hill

Many drivers choose specific vehicle models to help lower the cost of their insurance. These drivers know that car insurance companies use this information to figure out the insurance premiums to charge. There is plenty of data available to compare safety ratings, repair costs and even the likelihood of theft among the thousands of car models driven today. When filling in information while shopping for the lowest rates on, Richmond Hill drivers list the Honda Civic as the most popular car followed by the Toyota Corolla, Mazda3, Honda Accord, and the Hyundai Elantra, respectively. Not surprisingly, 2015 is the most common model year indicated by insurance shoppers as shoppers often compare rates during the car buying process. Buying a new car? Factor in the cost of insurance before you spend a dime. Compare car insurance quotes for multiple vehicles, side by side. Your driving history Car insurance companies scrutinize your driving history when determining auto insurance rates. Insurance premiums often depend on your past driving behaviour; therefore, accidents, infractions, tickets or charges will count against you when the insurance rate is being composed. Naturally, those with clean driving records should end up saving on insurance costs. According to data, about 60 per cent of Richmond Hill drivers have had at least one car accident, as reported while obtaining their auto insurance quotes. Significantly less (45%), have reported getting at least one ticket. However, there is just a slight difference between male drivers (46%) and female drivers (42%) in terms of obtaining at least one ticket. Car insurance discounts for Richmond Hill drivers When it comes to Richmond Hill drivers that use snow tires to combat inclement driving conditions in the winter months, the vast majority (84%) indicate that they swap out their all season tires for tires designed for the winter season. In keeping with the safe driving theme, many insurance companies also provide a car insurance discount to drivers that are enrolled in some type of roadside assistance program. Drivers in Richmond Hill seem to favour the idea, as 35 per cent of car insurance shoppers mention that they use roadside assistance programs. What other car insurance discounts are out there? Auto insurance firms realize that it is a good business practice to provide hefty discounts to customers who hold multiple policies. Car insurance customers in Richmond Hill have warmed up to the idea of using the same provider for different insurance needs. Home insurance is one of the most popular insurance policies bundled in getting the multi-line discount and more than half (57%) consider doing it. There are still other discounts to be explored when choosing your car insurance company. Astute insurance shoppers have found savings by taking driver training courses, installing additional safety and security features on their vehicle, belonging to certain organizations and even noting to their provider their age and retirement status.

Shop around to see if you can save on your Richmond Hill auto insurance

The best way to make sure you're getting the best car insurance rate out there is to shop around. Compare what your provider charges you to the market. Compare your Richmond Hill rates at renewal, or when lifestyle changes affect your coverage like when you get married, move, or buy a new car. Compare quotes for a lower auto insurance rate today.
*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 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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Car Insurance Quotes Premium
Customer 19, ESPANOLA, ON
TD Insurance$2951
Gore Mutual$3057
Echelon Insurance$3493
Range of top quotes$1498
Customer 34, KITCHENER, ON
CAA Insurance$1940
Range of top quotes$732
Customer 37, TORONTO, ON
TD Insurance$1082
Dominion of Canada$2649
Chieftain Insurance$2808
Aviva Agency$3024
Range of top quotes$1942
Customer 68, SCARBOROUGH, ON
Johnson Insurance$1708
Dominion of Canada$2356
Intact Insurance$2506
Range of top quotes$822
Customer 24, CORNWALL, ON
The Co-operators$1473
TD Insurance$1710
Intact Insurance$1947
Gore Mutual$2513
Range of top quotes$1040
Customer 33, CORNWALL, ON
Desjardins Insurance$1548
The Co-operators$1936
Chieftain Insurance$2220
TD Insurance$2348
Range of top quotes$800
Customer 79, ETOBICOKE, ON
Desjardins Insurance$1634
TD Insurance$1967
The Co-operators$2493
Range of top quotes$931


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