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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.
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:
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.
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.
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
Some key factors that insurers will consider when calculating your Cornwall-based insurance premium include:
RATESDOTCA's simple car insurance calculator allows you to plug in the details that insurance companies are looking for and access multiple quotes right away.
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.
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:
To find the least expensive auto insurance premium possible — that incorporates any of these potential discounts — use RATESDOTCA to compare quotes.
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 Cornwall who obtained a quote on RATESDOTCA from January to December 2023 saved an average of $384 per year. The average savings represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third-lowest quoted premiums generated by RATESDOTCA.
Alexandra Bosanac has been a content manager for RATESDOTCA since 2021, specializing in auto insurance. She began covering auto insurance in 2017. Alexandra has a bachelor's degree in journalism from Toronto Metropolitan University. Before joining the RATESDOTCA editorial team, she reported for the Canadian Business, the Toronto Star, the National Post, and the CBC.
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