Car Insurance Hamilton: Rates, Quotes, Consumer Tips

Panorama-Hamilton

Car Insurance Hamilton: Intro

auto-insurance-symbolWelcome to your Car Insurance Guide for Hamilton. 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 Hamilton.

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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.

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How Can You Save on Car Insurance in Hamilton?

  • Shop around: Search, Compare, and switch insurance companies. There are many insurance providers and their price offerings for the same policies can be very different, therefore use multiple online tools and talk to several brokers since each will cover a limited number of insurance companies.
  • Bundle: Do you need Home and Auto Insurance? Most companies will offer you a discount if you bundle them together.
  • Alumni: Graduates from certain Canadian universities ( e.g University of Toronto, McGill University) might be eligible for a discount at certain Insurance providers.
  • 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.
  • Being married: In most provinces your marital status affects your insurance premiums (except in Nova Scotia).
  • 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.
  • Repair costs: Choose a car that would cost less to repair in case of damage. The repair costs for certain cars (e.g. Mini Cooper or BMW) are higher than other (e.g. Ford Focus) and insurance providers are aware of that.
  • Age: Senior drivers enjoy lower auto insurance premiums. Thus in several years your premiums can go down.
  • 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.
  • 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).
  • Interested in more saving tips for Car Insurance in Hamilton? Get an insurance quote below and connect with an experienced insurance professional to get more tips.

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