Car Insurance Brampton: Rates and Consumer Tips

Panorama-Brampton

Car Insurance Brampton: Intro

auto-insurance-symbolWelcome to your Car Insurance Guide for Brampton. This page will give you an idea of Car Insurance Premiums in Ontario, will inform about savings opportunities and also provide number of other useful tips for choosing Car Insurance protection in Brampton.

What Are Typical Car Insurance Premiums In Ontario?


Here are some car insurance average rates to give you an idea of insurance prices in Ontario and in Canada. The first chart shows rates comparison across several Canadian provinces. The second chart shows difference in car insurance premiums for drivers of different age. This difference can be quite considerable.

Overall consumers spend in Ontario more on Auto Insurance than in any other Canadian province. Despite recent government efforts to drive down auto insurance rates in Ontario these are still over-proportionally high when compared to the rest of Canada.

How Can You Save on Car Insurance in Brampton?

  • Professional Membership: Are you a member of a professional organization (e.g. Certified Management Accountants of Canada or The Air Canada Pilots Association)? Then some insurance companies offer you a discount.
  • Bundle: Do you need Home and Auto Insurance? Most companies will offer you a discount if you bundle them together.
  • Students: Being a student alone can result in a student discount.
  • Annual vs. monthly payments: In comparison to monthly payments, annual payments save insurers administrative costs (e.g. sending bills) and therefore they reward you lower premiums.
  • Car Insurance Deductibles: Increase your car insurance deductibles if you believe that you are capable of incurring higher payments for damages in case of an accident. This is especially suited for more experienced car drivers.
  • Minimal coverage: Driving an old car without large value? Get a minimal coverage required by law (mainly liability) w/o collision damage (you are still protected if you damage somebody’s car but damages on your car will not be covered).
  • Rental car rider: If your existing auto insurance policy does not cover your rental car, you can often add it as a rider (policy extension) for $20-30 dollars a year. Compared to $20/day you would pay when renting a car, it’s not a bad deal.
  • Improving your driving record: Do you have a bad driving record? Every three years previously incurred tickets are removed from your insurance history and your insurance premiums can go down.
  • At-Fault Accidents: Have you been in a couple of accidents in the past where you were at fault? With a little patience (six years with no accidents), your risk profile will improve allowing you to once again enjoy reasonable insurance premium rates.
  • Claim History: Keeping a clean claims history can sometimes be more financially feasible than submitting claims for small damage repairs which could result in increased premiums. Contacting an insurance provider/broker could help you find out what makes sense.

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