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Hamilton Car Insurance

There are many different methods and resources available to help you find affordable auto insurance. This article addresses some frequently asked questions associated with car insurance.

What is Liability Insurance?

In Hamilton, as in all of Canada, it is required for all people who operate vehicles on a regular basis to purchase liability insurance. Liability insurance is a type of auto insurance that will help pay for any damages that occur if the person who holds the insurance policy should get into an accident. This is important because without liability insurance, most Hamilton residents would be unable to afford the large amount of money needed to repair or replace any damaged personal property that resulted from an accident that they caused.

What is Collision Insurance?

Collision covers the repair or replacement cost of your vehicle if you're involved in an at-fault accident. Even if you're not at-fault and you don't have collision insurance, you may still be covered by most auto insurance policies in Ontario.

How Can I Get the Best Price Possible?

  • Determine What You Need: The first step in getting the best price possible for a car insurance policy is to know exactly what you need. Make a list of what coverage you require.
  • Ask About Discounts: When looking to purchase car insurance, it is critical to always ask about any discounts that might be available. There might be discounts for having multiple drivers on the same policy, or for having multiple cars on the policy. There are almost always discounts for safe driving. If a person has gone for an extended period of time without being in an accident or receiving a ticket, then he or she is considered to be a lower risk by the insurance company and therefore more likely to qualify for lower cost insurance.
  • Check Your Car's Rating: Owning certain models of cars may require higher insurance payments. Cars that rate highly in the fields of durability and safety may result in less costly insurance premiums.
  • Improve Your Credit Score: Take steps to ensure that your credit score is as high as possible. Some auto insurance companies consider people with low credit scores to be more at risk and may choose to charge those candidates higher premiums. By improving your credit score, you can eliminate this possibility and save money on your insurance in the process.

Recent Hamilton car insurance quotes

Shopper from HAMILTON, ONTARIO
2014 TOYOTA CAMRY LE 4DR
Scottish and York
$1548
per year
Aviva Agency
$1783
per year
Zenith Insurance
$1949
per year
SGI Canada
$2214
per year
Range of quotes $666
Shopper from HAMILTON, ONTARIO
2011 CHEVROLET MALIBU LT 4DR
Dominion of Canada
$1352
per year
Zenith Insurance
$1402
per year
Chieftain Insurance
$1440
per year
Desjardins General Insurance
$1564
per year
Range of quotes $212
Shopper from HAMILTON, ONTARIO
2005 NISSAN SENTRA 1.8 SPECIAL EDITION 4DR
Aviva Agency
$1674
per year
Gore
$1715
per year
Intact Insurance Company
$1815
per year
Dominion of Canada
$2180
per year
Range of quotes $506
Shopper from HAMILTON, ONTARIO
2014 DODGE AVENGER SXT 4DR
Aviva Agency
$1379
per year
Zenith Insurance
$1640
per year
Gore
$1875
per year
CAA Insurance
$2117
per year
Range of quotes $738
Updated May 23, 2019

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