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Compare Cornwall Car Insurance Quotes

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Recent car insurance quotes for Cornwall

Shopper from CORNWALL, ONTARIO
2023 HONDA CR-V EX-L 4DR AWD October 04, 2022
$ 3,798
Per year
Cheapest Rate
$ 6,045
Per year
Average Rate
$ 2,247
or
37 %
in savings
Shopper from CORNWALL, ONTARIO
2020 JEEP WRANGLER UNLIMITED SAHARA 4DR 4WD October 02, 2022
$ 715
Per year
Cheapest Rate
$ 1,057
Per year
Average Rate
$ 342
or
32 %
in savings
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Written by Alexandra Bosanac

Why comparing quotes saves you money on your Cornwall car insurance policy

Located on the St. Lawrence river, the picturesque city of Cornwall, Ontario features both urban and rural driving conditions. It serves as an arts, culture and entertainment hub for people from surrounding towns as well, which can add to traffic in the region.

In the two main downtown sections of the city (Downtown and Le Village), you might be driving to access numerous dining and shopping options. Or perhaps you need to attend a conference or sports competition hosted at the Benson Centre, Cornwall Civic Complex or NAC Centre.

Outside the busier urban districts, other popular destinations include The Waterfront Trail (which follows the twists and turns of shorelines along the Great Lakes), as well as nearby towns like Dundas, Stormont and Glengarry.

It's safe to say that as a Cornwall resident you'll likely need a car to get around town.

The cost of your car insurance is dependent on where you live and how many kilometres you log with your vehicle. A variety of other factors also affect auto insurance premiums, such as the make, model and year your vehicle was manufactured, as well as the details of your driving history.

This means there is no way to know how much insurance might cost for your car, other than to shop around and compare car insurance quotes from different insurance brokers or companies. It’s your best option for finding the least expensive rates for auto insurance.

How to reduce your Cornwall car insurance premium

There are a number of factors that affect the cost of your Cornwall car insurance, all based on the risk you pose to the insurance provider. If you want to reduce your premium, consider these key tips:

  • Live in low density areas

Where you choose to live will affect the premium you are quoted. For instance, urban areas with greater density — and thus potentially higher risk of collision or theft —tend to be more expensive than locations with smaller populations. If you live in Cornwall, you're in luck. The city boasts the lowest premiums in Ontario, according to the 2022 RATESDOTCA Auto Insuramap.

  • Buy a low-risk vehicle

The make, model and year of the vehicle you choose to drive in Cornwall can also potentially reduce your premium. Insurance companies are likely to offer cheaper rates for vehicles that have high safety rates and lower chances of theft. For instance, in 2021 the most commonly stolen vehicle in Canada was the 2018 Honda CR-V AWD, and you can be sure insurers are aware of facts like these.

  • Establish a good driving record

Insurance companies will assess and determine your driving history in Cornwall and elsewhere (as well as that of any other drivers who will be listed on the policy), so try not to accumulate tickets, licence suspensions or other driving offences that suggest you are not a safe driver.

Armed with these tips, your best bet for finding a reduced car insurance premium is to compare auto insurance premiums on RATESDOTCA

Frequently asked questions about car insurance in Cornwall

How do insurance companies calculate rates for drivers in Cornwall?

Some key factors that insurers will consider when calculating your Cornwall-based insurance premium include:

  • The safety rating and features of the vehicle you are trying to insure (and how the theft risk is associated with that make and model)
  • Your postal code, as rates are higher for those who live in a city
  • The age of any drivers on the policy — young drivers are considered higher risk
  • What your driving licence level is, be it G1, G2 or G
  • Gender, as men tend to pay more than women for auto insurance
  • How often you use your car, because greater use equal greater risk
  • Your driving record, which illustrates how likely you are to receive driving violations or get into a collision

Rates.ca’s simple car insurance calculator allows you to plug in the details that insurance companies are looking for and access multiple quotes right away.

Which cars get the lowest car insurance premiums in Cornwall

The type of vehicle you insure will certainly impact your car insurance premium. You may think that a common car model would cost less to insure than a luxury model, but this isn't always the case.

In Cornwall, as in the rest of Ontario, insurance brokers will base their estimation of a vehicle’s risk on the Canadian Loss Experience Automobile Rating (CLEAR) system.

The system estimates the likelihood of a vehicle requiring a claim due to either theft or an accident, and how much repairs might cost. Some of the details considered in a CLEAR rating are safety features like anti-lock brakes, premium tires and anti-theft devices.

How can I score discounts on auto insurance in Cornwall?

Standard considerations for lowering your auto insurance premiums include choosing a vehicle that has high safety ratings, but low risk for theft, living in parts of Cornwall with less population density, and maintaining a good driving record.

But there are other strategies you can employ to score yourself additional discounts from insurance companies such as:

  • Considering package deals that allow one provider to cover both your vehicle and home insurance needs
  • Opting not to purchase collision coverage for an older car (meaning you’re alright with paying for repairs or simply scrapping the car in case of an accident)
  • Choosing a higher deductible, which is the amount you pay when making an insurance claim
  • Especially if you are a young driver, complete a certified driving school course
  • Again, if you are a young driver, consider joining your parents auto insurance policy rather than getting your own if you only drive occasionally
  • Investing in additional anti-theft safety features to lower the risk of theft
  • Illustrating that you will drive your vehicle less in Cornwall by carpooling or using alternative forms of transportation (the less you use the vehicle, the less risk there is for the insurer)
  • Asking about usage-based insurance (UBI), based on use of an installed device that records your driving movements

To find the least expensive auto insurance premium possible — that incorporates any of these potential discounts — use RATESDOTCA to compare quotes.

Shop around and save on Cornwall car insurance today

To find the most affordable auto insurance in Cornwall, you have to shop around and compare rates. It’s the only way to truly understand how much insurance providers will charge you for whatever type of coverage you require.

With the help of RATESDOTCA, you can choose the best policy for your vehicle, driving record and location, after comparing quotes from 50+ of Canada’s top insurance companies.

*Shoppers in Ontario who obtained a quote on RATESDOTCA and transacted via our contact centre from July to December 2021 saved an average amount of $772. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by RATESDOTCA.

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