Auto Insurance Ontario
Are you looking for the best rates on car insurance in Ontario? Car insurance rates can vary greatly between insurance companies. They can also vary greatly from one city to the next. Just read our blog post on Auto insurance rates and postal code discrimination. A 40 year old married male driving a 2016 Toyota Camry LE 4 will pay $3,230 in Brampton but only $1,219 in Kingston.
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Tips to save money on your car insurance
- Shop around – In Ontario, car insurance rates are changed every 3 months by 1 or more insurance companies. The best time to shop around is when you receive your car insurance renewal policy.
- Multi-policy discount – If you insure your home and auto insurance with the same company, you will get a multi-policy discount of up to 15%
- Multi-vehicle discount – Insure all of your vehicles on one policy. Insurance companies will add a multi-vehicle discount of at least 10% to each vehicle
- Winter tire discount – Change out your tires seasonally. Since 2016, all insurance companies in Ontario are required to offer a winter tire discount. The discount varies from one insurer to the next but you could get a discount of up to 5%.
- Ask about other discounts – Good student, student away, loyalty, claims free, conviction free, anti-theft, roadside assistance.
- Lower your deductible – If you have a $500 deductible, consider increasing it to $1,000 for additional savings.
- Telematics – Install a telematics device in your vehicle. Some insurance companies will offer discounts for good driving habits.
- Pay your premium annually – If you pay annually, you can avoid the financing charges on monthly payment plans.
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