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How much do you spend on your auto insurance in Oshawa? Call us outrageous, but we’re sure that you’ll find a cheaper auto insurance rate after comparing quotes at RATESDOTCA. With access to more than 30 insurance providers, we’ll find your lowest rate in about 5 minutes. It’s 5 minutes well spent to see if you could be spending less money on your Oshawa car insurance premiums.
Are you ready to decrease your Oshawa car insurance premiums? Because we’re ready to find an insurance provider for you that not only fits the bill, but will help you lower your bills too.
To get started, complete our easy to follow online form by answering a few quick questions about yourself and the car you drive. In a matter of minutes, you’ll be viewing the lowest Oshawa auto insurance rates we’ve found for you. Then all that’s left to do is to seize the savings! You can either provide us with your contact details so that we can ensure an insurance representative gets in touch with you, or you can call us straight away to secure your rate.
We ran the numbers and in 2017 we estimate that the average price for auto insurance in Oshawa comes in at about $1,870. This is about the same as what drivers in Toronto pay, but considerably less than what drivers in Brampton, Hamilton, Mississauga and Vaughan pay. Drivers in each of these cities, on average, pay about $2,100 a year (or more) for their coverage.
Despite paying less than some GTA cities, if you live in Oshawa there are ways to further reduce what you pay for coverage. Read below for our frequently asked questions and tips on savings on car insurance!
| Postal Code | Average Premium |
|---|---|
| L1G | $1,766.00 |
| L1H | $1,933.00 |
| L1J | $1,933.00 |
| L1K | $1,766.00 |
| L1L | $1,766.00 |
Above average insurance premium numbers are according to data from RATESDOTCA Insuramap.
Learn more about what contributes to car insurance rates in Oshawa.
Car insurance providers look at a range of factors when deciding on a premium. There’s no single provider that offers the lowest rate in the market. Instead, they consider the driver’s claims history and driving record. They also examine their location and vehicle type. Of course, the coverage amount and its associated limits are also part of the equation.
To secure the best coverage at the lowest rate, there’s a lot an Oshawa driver can do. In addition to shopping available rates from dozens of the most-trusted providers in the country, a drive can save by bundling their auto and home policies, applying discounts such as those available to drivers who install winter tires, they can also reduce their amount of coverage to make sure they’re only paying for the protection they need and nothing more. In addition, a driver can opt-in to a telematics program which monitors driving behaviour and offers discounts for good driving.
Most car insurance providers offer one-year policy terms. It’s unlikely that a driver will be able to secure a month-to-month policy. Driving in Canada without car insurance is illegal. And any gaps in coverage can result in long-term insurance problems – especially if a driver is in a collision and doesn’t have coverage. We encourage drivers in Oshawa to compare rates from 50+ providers using our free, online auto insurance quote tool. Next, they can speak to an insurance provider to secure a policy that makes the most sense for their circumstance. Oshawa drivers saved an average of $673* on their car insurance premiums last year using RATESDOTCA. Total savings represents the average savings multiplied by the number of shoppers who generated a quote in 2021.
New drivers tend to pay more for car insurance, regardless of location. This is because insurance providers have no driving history to refer to when trying to gauge how likely the driver is to make an auto insurance claim.
We recommend that new drivers in Oshawa get auto insurance by applying for a quote and providing proof of coverage from a previous insurance provider.
If that’s not an option, a new driver can secure a lower rate by developing their insurance history by being added as a secondary driver on the policy of an experienced driver such as a parent or guardian. After one year of driving (without infractions), providers may be willing to provide a lower premium.
Yes. Most ride sharing companies have insurance they require drivers to purchase. Drivers should be aware that this coverage is likely to only apply while their driving for the ride sharing service or app. So that they have adequate car insurance coverage at all other times, we recommend that the driver have their own auto insurance policy. The driver should disclose to their insurance provider that they’re using the car for ride sharing to ensure that a future claim is covered rather than denied.
In addition to shopping around for the best deal on Oshawa auto insurance, you can save money on the premiums you pay with the following five tips.
Although paying monthly is convenient, it comes at a cost as many insurers charge an administrative fee if you decide to go with the monthly payment route. If you can afford to pay your premium in full, you can avoid these fees.
Review your policy to see what your deductibles are for your collision and/or comprehensive coverage. If you increase your deductibles from $500 to $1000, you’ll save about five to 10 percent. Of course, increasing your deductibles means you’re increasing how much you’ll have to pay should you need to submit a claim, so only increase them to an amount that you can comfortably afford.
If you purchase at least two insurance policies (usually home and auto insurance) from the same insurer, you’ll usually benefit from a discount. This discount, called a multi-line discount, can range from anywhere from five to 15 percent off one, or even both of your policies.
Before buying a new vehicle, make sure the insurance for it doesn’t leave you strapped. Car insurance rates are calculated, in part, by the car you drive and the chances it’ll be stolen, its repair costs, and how well it protects passengers from injury if involved in a collision, for example.
Cars, like drivers, are all rated differently and if you pick a vehicle that is more expensive to insure than others, you could be paying hundreds of dollars more in car insurance each year. Don’t purchase a new vehicle before finding out how much it costs to cover it. If you compare auto insurance quotes before making the big purchase, you’ll have a truer sense of whether or not that vehicle fits in your transportation budget.
Did you know, the Honda Civic is the most popular car based on Oshawa car insurance quotes at RATESDOTCA? The following are the 10 vehicles you’re most likely to spot on Oshawa’s roads based on drivers from the city who have previously got quotes from RATESDOTCA:
There are a whole slew of discounts available from insurers that you may not know exist, or that your insurer didn’t know to offer you. For example, did you know all Oshawa auto insurance companies (in fact, all insurers in Ontario) have to offer you a winter tire discount if you change your tires to match the season? Usually, this discount will save you about five per cent. There are other discounts too, that a quick chat with your insurer, can add up to significant savings.
Of course, if you get quotes through RATESDOTCA, we’ll take into account the discounts you’re eligible to receive. For example, we’ll make sure you get the discounts for using winter tires, being accident-free, belonging to a school, employer or organization that offers a group program, having roadside assistance, bundling, and even for considering a usage-based insurance program. If you’re eligible to receive the discount, your quotes from RATESDOTCA will include it.
Hands down the best way to save on your Oshawa auto insurance is to shop around. Stop overpaying for your coverage today and compare quotes at RATESDOTCA.
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