Car Insurance Ottawa: Rates, Quotes, Consumer Tips

Car Insurance Ottawa: Intro

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

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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 Ottawa?

  • Bundle: Do you need Home and Auto Insurance? Most companies will offer you a discount if you bundle them together.
  • 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.
  • Seniors: Many companies offer special pricing to seniors.
  • 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.
  • Being a second driver: Driving a car only occasionally? Become a second drive instead of being a principal driver.
  • 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!
  • Driving Course: Successfully completing a driving course is sometimes recognized by some insurance providers and could help you reduce your premiums.
  • Car Make and Model: Wisely choose your car, as some car models are more susceptible to theft or even have a history of more risky drivers (e.g. Toyota Camry, Acura MDX, Toyota RAV4, and Honda Civic are usually quite expensive to insure).
  • Anti-theft system: Installing a certified anti-theft system in your car results in a lower risk of theft and thus can lead to insurance discounts.
  • 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.
  • Interested in more saving tips for Car Insurance in Ottawa? Get an insurance quote below and connect with an experienced insurance professional to get more tips.

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