Everything You Need to Know About Windsor Car InsuranceLooking for the lowest car insurance rate in Windsor? Compare auto insurance rates easily and save an average of $750.
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Windsor auto insurance
Since rates change about every three months, it's important to shop around to ensure you're getting the best value for your car insurance. It's the law to have car insurance when you drive, but you don't need to overpay for it. You may have gotten a great rate last year, but don't be surprised to find out you qualify for a lower rate at another auto insurance company.
- About every three months, the Financial Services Commission of Ontario (FSCO) reviews and approves the latest changes, which can affect your rate. Keep track of your Windsor auto insurance rates with the Kanetix.ca Car Insurance Rate Tracker.
The basics of your car insurance policy
Your car insurance policy is made up of some mandatory coverages, things like:
- Accident Benefits: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.
Did you know? As of June, 2016 there are some changes to your Accident Benefits that you'll want to read up on: Ontario Car Insurance Is Changing. What You Need to Know.
- 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 hit-and-run driver or by a driver who is not insured.
- Third Party Liability: Third Party Liability coverage pays for a legal claim 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 limit requirement is $200,000 although most drivers go with at least $1 million.
- Direct Compensation - Property Damage: This component of your policy 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.
Your car insurance policy is also made up of optional coverages, the most common being:
- 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. A deductible is the portion of an insurance claim you agree to pay and generally the higher the deductible you choose the lower your car insurance rate.
What goes into your Windsor car insurance rate?
More than 210,000 people now live in Windsor, which is the southernmost city in Canada.
Windsor is located on the southern shore of the Detroit River and continues to be a major contributor to the automotive industry in Canada.
Windsor's Department of Parks and Recreation maintains 1,200 hectares (3,000 acres) of green space, 180 parks, 64 km (40 miles) of trails, 35 km (22 miles) of sidewalk and 60 parking lots, which residents use extensively.
The average age of drivers from Windsor shopping for car insurance at Kanetix.ca is 39 and male drivers (69%) outnumber their female counterparts (31%) quite significantly.
The same factors that apply to residents in any community such as where you live, the car you drive, your commute and your driving record are important when insurance costs are determined.
Where you live in Windsor
Motorists that reside in Windsor face challenging driving conditions and experience all the frustrations that major cities present each day. The possibilities of car theft and getting into accidents or collisions are risks that insurance advisors and brokers examine carefully before generating the cost to insure vehicles.
As you know, insurance providers usually assign lower rates to drivers who work closer to home or use transit to get to their place of employment.
Statistics Canada reports that Windsor has one of the highest proportions of drivers in a metropolitan centre at 91.3 per cent and carpooling in the city is among the least popular with only 12.9 per cent participating.
The car you drive in Windsor
While researching insurance costs, many drivers choose a specific vehicle model and year to help lower their overall cost. Car insurance companies use a vast amount of vehicle data 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, Windsor drivers list the Honda Civic as the most popular car, followed by the Ford Focus. In third place is the Dodge Grand Caravan, with the Ford Escape and Chevrolet Cruze reported as the fourth and fifth most popular models.
Your driving history
Your driving history is another important source of information used when determining auto insurance rates. Past driving behaviour, including accidents, infractions, tickets or charges can count against you when the insurance rate is being composed. Those with clean driving records should end up saving on insurance costs.
About 54 per cent of Windsor drivers report having at least one car accident, as indicated while obtaining their auto insurance quotes. Significantly less (42%), have reported getting at least one ticket. When it comes to getting a ticket, Male drivers (46%) outnumber female drivers (35%).
Reap the rewards of driving safely
When it comes to winter, 65 percent of Windsor drivers noted that they use snow tires for safer driving in the winter months.
Kanetix.ca customers from Windsor and throughout Ontario are benefiting from a discount to those who buy and install four winter tires in November and keep them on until April. Since January 1, 2016, when the measure was introduced by the provincial government, thousands of drivers have saved up to 5 per cent on car insurance rates by simply getting snow tires installed.
Drivers that are enrolled in some type of roadside assistance program may be offered a slight discount on their insurance premiums. In Windsor, 28 per cent of car insurance shoppers mention that they use roadside assistance programs and qualify for a discount.
Additional car insurance discounts
Customers who hold multiple policies with one insurance firm may enjoy cost savings for doing so. It turns out that car insurance customers in Windsor like the idea, and about 50 per cent say they will use same provider to take advantage of a multi-line discount plan.
When choosing your car insurance company, it is always beneficial to discuss any possible discount before finalising your policy. Insurance shoppers have discovered further savings may be applied if you have taken and passed a driver training course. Installing additional safety and security features to your vehicle, belonging to certain organizations and even being retired are also ways to lower insurance costs.
Windsor drivers can save by shopping around
Compare your Windsor auto insurance rates on a regular basis to make sure you're not overpaying for your coverage. Shop around annually at renewal as well as anytime when your lifestyle changes. If you get married, move, or buy a new car are all times when you should shop around for 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.
How to save with Kanetix