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Recent Whitby car insurance quotes

Shopper from WHITBY, ONTARIO
2015 HONDA CIVIC LX 4DR October 03, 2022
$ 1,943
Per year
Cheapest Rate
$ 2,847
Per year
Average Rate
$ 904
32 %
in savings
Shopper from WHITBY, ONTARIO
2019 MAZDA CX-5 GT 4DR AWD October 03, 2022
$ 1,181
Per year
Cheapest Rate
$ 1,860
Per year
Average Rate
$ 679
37 %
in savings
Icon - Human
Written by Alexandra Bosanac

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

Located about 45 minutes east of Toronto within the GTA, the city of Whitby is very much a commuter suburb, with drivers hopping on and off the nearby 400-series highways daily. Driving is likely a part of your daily life if you live in Whitby, and your household may even have more than one vehicle.

Whitby drivers looking to get the best deal on their auto insurance premiums can get the best rates possible by comparing auto insurance quotes online. It takes just a few minutes and only some basic information to get started — plus, it’s completely free.

How to reduce your Whitby car insurance premium 

If you’re looking to reduce your Whitby car insurance premium, you should know that there isn’t one best insurance company to use. Because each insurance company assesses your risk profile differently, they all offer different rates.

The good thing about the Whitby auto insurance market is that there are a lot of companies to choose from and we’ll compare them for you. Using a rate comparison site like RATESDOTCA's makes it quick and simple to compare car insurance.

One of the most important factors that will affect your rates for insurance in Whitby is your driving history, so it’s important to practice safe driving any time you’re behind the wheel. Following the rules of the road can help you secure the most affordable auto insurance available in Whitby.

Additionally, ask your insurance provider about any available discounts, such as those offered for students, by bundling your policies, or for completing a driver’s education course, to take advantage of the best possible rates.

Frequently asked questions about Whitby car insurance

How do insurance companies calculate rates for drivers in Whitby?

When it comes to calculating rates for drivers in Whitby, there are several different factors that insurers consider, including:

  • Driving history. Your driving history is one of the most important factors insurers consider when assessing your risk. You’re likely to face higher rates if you have a history of infractions, such as speeding tickets and careless driving, compared to someone with a clean driving record. Practice defensive driving and follow the rules of the road any time you get behind the wheel.
  • Your mileage. How much you drive will affect your car insurance rates in Whitby. You’re more likely to be involved in a collision the more you drive, which results in higher rates for those who drive more.
  • Your postal code. Where you live in Whitby can have an impact on your insurance rates. One neighbourhood can have much different rates than another, if there are a high number of claims.
  • Your age. Another factor that can have an impact on your insurance rates in Whitby is your age. Young drivers are statistically more likely to be involved in traffic collisions than older, more experienced drivers. This results in higher premiums for young drivers. On the flip side, senior drivers are also likely to face higher premiums as they’re statistically most likely to file claims.
  • Your policy. The coverage you choose will also affect your rates. The more coverage, the higher the premiums. You are required to have minimum coverage amounts, which in Ontario is third-party liability, accident benefits, uninsured automobile insurance, and direct compensation property damage (DCPD). However, you can choose to add on collision and/or comprehensive coverage.
  • Insurance history. Your insurance history also plays a role when determining your insurance rates in Whitby. You’re likely to face higher rates if you’ve missed payments or made multiple claims than someone who hasn’t. Additionally, newcomers to Canada are likely to have higher rates due to their lack of Canadian insurance history.

Which cars are the cheapest to insure in Whitby?

The vehicle you drive is one of many factors that go into your Whitby insurance quote. However, a used car with good safety ratings and low theft rates can be more affordable to insure.

How can I score discounts on auto insurance in Whitby?

There are a few different ways Whitby drivers can secure discounts on auto insurance, including:

  • Shop and compare. Don’t just settle for any insurance carrier, make sure you’re comparing providers. The difference in price between insurance companies within the same city can be substantial. The good news is, RATESDOTCA makes it easy to compare rates from dozens of providers in Whitby.
  • Bundle your coverage. Another way to save on your car insurance in Whitby is to bundle your policies. You could save hundreds of dollars each year by bundling your home and auto coverage with the same provider.
  • Get a multi car discount. Putting multiple drivers and vehicles from the same household under one policy can save you money.
  • Install safety features. Installing safety features like winter tires and alarm systems can help reduce your insurance premium, and will prove to insurance companies that you are taking all necessary precautions.
  • Take a driver’s education course. New or inexperienced drivers can help slash their rates by completing an accredited driver’s education course.
  • Increase your deductible. Increasing your deductible (the amount you pay when settling a claim) can result in lower premiums.
  • Pay premiums annually instead of monthly. Your insurer must deal with administrative costs when you pay your premiums monthly. By opting to pay in full annually if you’re able, you can help lower your premiums.
  • Consider usage-based insurance. A usage-based insurance (UBI) or telematics device is one way for Whitby drivers to lower their annual premium. Once you enroll in the program, an app on your phone monitors various aspects of your driving such as your braking habits, average speed, and how far you travel. Premiums can’t be increased for risky behaviour, but individuals who demonstrate good, safe driving are eligible for discounts of up to 30%.

Shop around and save on Whitby car insurance today

Shopping around for the best auto insurance rates is a smart way to keep your transportation costs in check. That’s where we come in. RATESDOTCA site lets you compare Whitby auto insurance quotes from multiple insurance companies in a matter of minutes. If you’re ready to start comparing now, simply enter your postal code and we’ll get to work finding you the best possible price on your Whitby auto insurance rates.

*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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