Cheapest Car Insurance Quotes in Brampton

Brampton ranks as Ontario’s most expensive city for car insurance and just in the last year alone, the city has witnessed an increase in premiums at a rate that is nearly five times higher than the provincial average. With drivers on the road increasing on a daily basis, there is a higher rate of accidents and theft. These high accident rates alone bring the premiums up (more accidents = more claims). So, regardless of how safe a driver you are, if you live in Brampton with six-lane roads jam-packed with cars and trucks, you are paying the highest premiums in the province, and possibly, in the country.

How do Mississauga and Brampton, two of the three cities that constitute the Region of Peel, compare when it comes to car insurance rates? Mississauga drivers enjoy comparatively lower insurance rates than Brampton drivers. For commuters that drive to the city, Mississauga is located closer to Toronto and there is less time spent on the road than drivers coming in from Brampton. You could be driving the same car to the same office building in the bustling Financial District in downtown Toronto and would still pay more than your friend who lives in Mississauga. Brampton is growing rapidly, has a booming real estate, a thriving downtown core, and more young professionals making it their home, all of which contribute to a higher cost of living in Flower City. These factors, along with the high accidents and crime rates, contribute to the substantial difference in car insurance rates in these neighbouring cities. However, Mississauga’s insurance rates are still higher than the provincial average and rank third on the list of Ontario’s most expensive cities for car insurance. No matter which city you live in, comparing car insurance rates is the best way to save.

While drivers from Brampton who used RATESDOTCA to complete quotes saved an average of $917 on their annual premium in 2018, Mississauga drivers saved an average of $481 on their car insurance last year.*

*Savings number is calculated by deducting the lowest available quote from the 2nd lowest available quote to determine average savings

Drivers in Brampton pay the highest in car insurance rates in the province. With three of the busiest intersections in the region, it is important that you drive with care and remain collision free. In addition to comparing rates to find savings, you can also add eligible discounts to your policy and get great coverage with comparatively lower premiums by doing the following:

• Enrol in telematics/usage-based discounts
  Some insurance providers will reward you for installing apps and devices that track your driving. If you believe that you are a good driver, this will help you score great discounts on your annual premium. By law, insurers are not allowed to increase your premiums as a result of telematics data. This is a great option for younger drivers looking to save some money on their premiums.
  
• Bundle and save
  Do you have home insurance? Bundling home insurance and car insurance together under one insurance provider will help your save on your insurance.
  
• Switch to winter tires in the colder months
  Car insurance companies provide discounts for changing into seasonal tires on time, so not only are you protecting yourself on the road in the harsh winter, but also saving huge!
  
• Drive a hybrid/electric vehicle
  Brampton isn’t alien to newer kinds of vehicles on the road, and if you are one of those who drive a hybrid car or an electric car, not only are you doing the planet a favour, but yourself too! Driving a hybrid vehicle lets you save up to 10% on your car insurance premiums.
  
• Take transit
  Brampton has a thriving local transit system, and if you are able to take the public transport to work, you can roll in great savings on your insurance. Your commute has a big influence on your rates, so reduce your driving time and a reduction in your premiums usually follows.
  
• All in one
  If you have more than one vehicle in your family, insuring all of them under the same policy can help you save on your car insurance rates.
  
• Increase your deductible
  When you raise your deductibles, you benefit from a reduced monthly premium. A word of advice: make sure you can afford an increased deductible, as that's the amount you would have to pay in the event of a claim.
  
• Shop around and save
  To save on car insurance, shop around for quotes from trusted insurance companies, and pick the quote that fits your budget. This will save you hundreds of dollars on your monthly insurance premiums. Compare using RATESDOTCA today!
  
• Take a certified driver education course
  When you take a ministry-approved driver education class, not only can you benefit from getting an expert-led program, but also get you savings of up to 15% on your insurance premiums. There are schools that offer MTO-approved beginner driver education courses, and you can find the list of schools in the Ministry of Transportation's website.
  
• Drive safe
  You are a good driver, sure, but things happen. Be careful and mindful on the roads, and avoid at-fault accidents, and speeding tickets. A clean driving record will fetch you great savings.

According to the Insurance Bureau of Canada, Brampton has seen increased crime rates in the area, particularly with the rise of auto theft and staged collisions. Staged collision is one of the most common types of auto insurance fraud that contributes to the increase in insurance premiums. In fact, GTA has earned the notorious title of being the “staged collision capital of Canada” by Rick Dubin, Vice President Investigations of IBC . You can play your part in fighting insurance fraud—make sure you understand your policy and coverage, never sign blank forms, get all your detailed bills, and review your claims diligently.

There are many factors affecting car insurance in Brampton, like traffic ticket and violations, high volume of auto theft, and increased auto insurance fraud. However, insurance companies also look at the driver and assign a risk profile based on various factors like driving experience, driving record, type of car, age, and more. If you have had one or more at-fault accidents, collisions, careless driving convictions, multiple speeding tickets, lapse in payments, etc., you could fall under the bracket of a ‘high-risk driver’. Did you know that driving a high-risk vehicle, like a luxury car or a sports car, could put you in the same bracket? High-risk drivers are more common in cities like Brampton where there are more cars on the road, with a higher likelihood of accidents, and auto crimes. When you compare quotes online, you can find the best rates and coverage for your unique driving situation.