Brantford Car Insurance Quotes

Calculating insurance rates for Brantford drivers involves looking carefully at all the distinct factors which impact premiums. These range from the basics (like your driving record and vehicle) to less obvious factors. Here’s a list of some of the most vital information companies look at when quoting rates:

• Your vehicle: Certain vehicles, like newer luxury or sports cars, particularly those with lots of technical options, often cost more to insure than other models. This is because they cost more to repair or replace if an accident occurs.
• Driving history: Your unique driving record, including tickets, driving violations and at fault accidents plays a huge role in how much you pay. During the several-year period these are on your record you’ll pay more for insurance. Keep a pristine driving record to maximize your savings.
• Age and experience: Newly-licenced drivers and those under 25 tend to pay more than average for auto insurance. Drivers 70 and over may also pay higher premiums. This is because both groups are statistically at a greater risk of being involved in a collision and usually need more healthcare to recover.
• Discount eligibility: Many car insurance discounts are available, from discounts based on age or occupation, to alumni status or membership affiliation. Be sure to ask your insurance provider about available discounts to make sure you get the best rate. Want to reduce your premium by 5-15%? Bundling your home and auto insurance policies with the same insurer may be possible.
• Optional coverage needs: Brantford (like all Ontario cities) has certain categories of car insurance which all drivers must buy. Other categories, however, are optional. Drivers who select coverage beyond the minimum requirements will pay more for auto insurance.
• Postal code: If drivers in your neighbourhood are more likely to file auto insurance claims, this may mean higher rates for you. The opposite is also true.
• Driving frequency: Insurers ask for your annual mileage for a reason: the more you drive, the more likely you are to get in an accident. Cutting back on driving, by integrating some public transit use into your lifestyle for example, can help trim your insurance costs.
• Additional drivers: Extra drivers on a policy mean extra costs. If you add secondary drivers to your insurance policy, expect a higher premium.

Vehicles that cost less to insure typically have lower replacement or repair costs. This includes older-model and pre-owned vehicles, as well as those with high safety ratings. Insuring newer luxury and sports cars with lots of high-tech options, and those which have higher risks of theft or collision, costs more.

Car insurance customers who plan and shop around will save the most. This is true for drivers in Brantford or anywhere in Ontario.

Using an online comparison tool like RATESDOTCA is the easiest way to review multiple car insurance quotes at once. If you’re planning to buy a new vehicle, compare quotes for the models you’re considering first. That way you know which one is cheapest to insure.

The following tips will help you score car insurance discounts:

• Increase deductibles: The more you agree to pay out-of-pocket when filing a claim, the lower your premium will be.
• Bundle home and auto insurance: By bundling your home and auto insurance with the same insurance company, you can receive multi-line discounts of 5-15% off bundled policies.
• Install winter tires: Using winter tires saves you about 5% annually while keeping you and your passengers safe in snowy conditions.
• Reduce add-ons: Review your coverage annually and cancel optional insurance you no longer need. For instance, if you drive an older car, paying for collision coverage may not make economic sense.
• Pay annually: By paying for your premium once annually instead of monthly you often save. Ask your insurance company if this is an option.
• Drive less: Since insurers consider your annual mileage, cutting back (like using public transit more) can reduce your premium. Always tell your insurance company about significant changes in your driving frequency.
• Driver education: New drivers who complete training from an accredited driving school qualify for discounts with most insurers.
• Multi-vehicle discounts: Insuring more than one vehicle with the same company can result in a 5-15% discount on premiums.
• Group discounts: Certain professional associations and other groups are eligible for discounted premiums when insured under a group policy.
• Safety features: Installing approved anti-theft devices or other safety features on your car can help you save. Be sure to check a device’s eligibility before purchasing and installing it.