Looking for the Cheapest Car Insurance Quotes in Windsor?

When you look at provincial averages, Ontario is second when it comes to high insurance premiums in Canada, according to data by the Insurance Bureau of Canada.

Provincial averages
British Columbia: $1,680
Ontario: $1,445
Alberta: $1,251
Newfoundland and Labrador: $1,132
Manitoba: $1,080
Saskatchewan: $936
Nova Scotia: $842
New Brunswick: $819
Prince Edward Island: $796
Quebec: $661

Even though Windsor has comparatively lower insurance premiums in the province, it's always good to shop around and compare quotes because even a little can go a long way. In fact, the Financial Services Regulatory Authority of Ontario (FSRA) recommends that drivers compare quotes from at least three different companies before you make a decision.

Your Canadian auto insurance will extend to your car while in the U.S., although there are differences between the insurance in Canada and the coverage you get when in the U.S. When you’re planning a trip across the border to Detroit or other states, check with your insurance company to ensure you have adequate coverage, especially if this is a trip you take often. Do not forget to get your insurance provider’s international toll-free number in case of emergencies.

In most cases, the deductible amount ranges from $500 all the way up to $5000, though $1,000 is the most common deductible option for drivers looking to save.

By increasing your deductible from $500 to $1,000, you can save an average of 10 percent off your policy.

The deductible is the money that you pay out of your pocket in the event of an insurance claim. Deductibles have an impact on your car insurance rates; the higher your deductible, the lower your premiums will be. Raising your deductible is then one way to lower your insurance rates, but you should do so only if your financial situation permits. If you are equipped with sufficient savings, you can always choose a higher deductible. It also depends on where you live and the type of vehicle you drive, not just your bank account.

With so many insurance companies to choose from, getting the cheapest insurance quotes in Windsor might seem like a daunting task. Here’s how you can make the process a little easier:

Before you begin comparison shopping, educate yourself. Determine what kind of auto insurance you need, and what coverage you want. This includes mandatory coverage options like choosing a limit of liability insurance, as well as optional coverages like comprehensive insurance and collision insurance. For more information on different types of auto insurance coverage, check out our guide.

If you have comparison shopped before, you may know that different insurance companies provide different rates for the same amount of coverage. The trick is to keep looking and comparing as you could save hundreds of dollars on your premiums by switching to a different provider that offers you better rates.

There are a lot of factors that determine how much your premiums will cost you annually. Some of the key ones are:

• The vehicle you drive – The make and model of your vehicle affects your premiums because new cars are often more expensive to repair or replace than older ones.
• Driving and insurance history – Avoiding collisions and speeding tickets will help bring down your insurance rates.
• Where you live and the length of your commute – The neighbourhood you live in plays a role in your insurance rates. This has to do with the incidence of crime, claims, and insurance fraud that occur in certain areas.
• Any other drivers on your policy – Adding someone with a driving record that is not great onto your policy could affect the premium you pay.