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Car insurance in Vaughan
At Kanetix.ca, we shop the market for you. Our goal is to make it quick and easy to get quotes and coverage from top insurers all in one place, and to help you find a better rate and pay less for your coverage.
Shop around for a better rateInsurance is required by law in Ontario. However, there's no law that forces you to stay with the same car insurance company for the rest of your life. It may be convenient to stick with the same company and renew your policy every year, but you could be missing out on significant savings. Why? Rates often change, and chances are, the low rate you were offered a few years ago may not be the best rate you can get today.
Real rates for real customers.
The basics of a car insurance policy
Ontario auto insurance policies are made up of mandatory and optional coverages.
Mandatory coverages include:
- Accident benefits: Covers the people in a vehicle in the event of injury. Coverage can include medical and rehabilitation costs, funeral expenses, death benefits, as well as income replacement. As of June 2016, there have been some changes to general Accident Benefits. Learn more about the changes.
- Third party liability: Coverage that pays for legal claims against the policyholder in the event that they are responsible (whether wholly or partially) for a collision that causes injury or damage to a third party. The minimum coverage requirement is $200,000 although most drivers commonly choose policies with at least $1 million in coverage.
- Direct compensation and property damage: Commonly referred to as DCPD, this provides coverage for physical damage to your car and any property inside the car as a result of an 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 in an accident and injured or killed by a hit-and-run driver or a driver who is not insured.
Optional coverages include:
- Collision: This covers damage to your vehicle as a result of an impact or collision with another vehicle or object, even if the collision was your fault.
- Comprehensive: This insures your car against damage caused by events like theft and vandalism.
These optional coverages typically come with a deductible, which is the portion of an insurance claim you agree to pay. The higher the deductible, the lower your rate. Just keep in mind that if you choose to go with a higher deductible, you'll have to pay more in the event of an accident.
What goes into your Vaughan rate?
Your rate is calculated by taking a number of factors into consideration, including:
- Where you live: The higher the population in your city, the the higher the chances of a collision occurring or theft. Find out the average of how much others pay for car insurance with Insuramap.
- Your commute: If you work close to home or take public transit, you're likely to pay less for your coverage than someone who commutes to work everyday. The more time you spend driving on roads or highways, the higher your chances of getting into an accident.
- The car you drive: Vehicle model and year is used in generating car insurance rates because theft history, vehicle safety ratings, and the historical repair costs for different cars may vary significantly.
- Your driving record: Your driving record is one of the most influential factors in determining your insurance rate. Tickets and accidents stay on your record for years. With a bad driving record, or no past experience, you can find yourself paying a lot more than the average premium. Find out how much a ticket or collision can affect your rate.
If you're in the market to buy a new car, let us help make your decision easier. Compare car insurance quotes for multiple vehicles, side by side.
Save more on car insurance with these tips:
Driving in the winter is no fun! But winter tires do help drivers stay safe. Not only do winter tires save lives, but they also save drivers money on their insurance, thanks to a winter tire discount. Depending on the insurer, drivers who buy and install winter tires in November and keep them on until April can save up to 5 per cent on their insurance coverage.
When you go shopping, you probably look for sales and use discounts when you can. Shopping for insurance should be no exception. Always ask about discounts you could be eligible for. Things such as driver training courses, road-side assistance programs, being a part of a group or association, being a retiree and even installing additional security and safety features in your car can make you eligible for more savings.
Comparing auto insurance rates regularly will ensure you're not overpaying for your Vaughan car insurance coverage when it's time to renew. When there are significant changes in your life such as marriage, divorce, moving, or buying a new car - these are also good times to get a lower auto insurance rate.
Not ready to shop for insurance today?Set a renewal reminder and we'll let you know when it's time to save.
Major Conviction, Minor Conviction...What's the Difference?
Mar 20, 2018
A part of what goes into determining your auto insurance rate is your driving record, including any tickets you may have received. There are a variety of different types of tickets and some have more influence on your premiums than others.
Auto Insurance Rates Expected to Increase in the Coming Year
Mar 19, 2018
Brace yourself. Auto insurance rates are expected to increase, Canada-wide, this year and this is bad news for Ontario drivers who already pay more for coverage, on average, than any other province.
Seasons Change and So Does Your Car Insurance
Mar 19, 2018
A change in season is the ideal reminder to take a few quick minutes to see if you're still getting the best car insurance rate out there. And now that spring has officially sprung, it's time to see if you could spring into some savings on your car insurance.