Auto Insurance Mississauga
Get the best Mississauga auto insurance rates from Canada's top insurance companies! Speak to Filip Ambroziak by calling/ texting (416) 803 2113 or emailing filipa@pbnet.ca.
Located at 250 Dundas St W #408, Mississauga ON L5B 1J2.
More Tips to keep your auto insurance Rates low
Mississauga Auto Insurance
Mississauga is an excellent city to plant your roots and enjoy life. It is known as a great place for entertainment, culture, food and so much more. In order to enjoy Mississauga to it’s fullest potential, many would agree that a car is required. Auto insurance rates in Mississauga are quite high especially if you are new to the country or had a troublesome record. For this reason, it is important to find a good auto insurance broker to help you as much as possible. Below are some tips to follow when searching for auto insurance rates in Mississauga.
Shop For Insurance Properly
When searching for the best auto insurance in Mississauga, you will come across many different ways of getting prices. From online comparison marketplaces to single company agencies. Be sure that no matter which route of obtaining insurance you take, price is not the only factor to be considerate of. There are hundreds of different coverage combinations you can select which result in many different prices.
Full Coverage of Liability Only Insurance?
The most important decision to choose is between full coverage and liability only. In some cases, such as when you are financing or leasing a car, you won’t have an option. The finance/leasing company will require full coverage at all times as part of the contract.
One way insurance is ideal if you have an older vehicle which you don’t use as often. Full coverage will always have a deductible (Ex. $500 or $1000). In some cases, the car is only worth $2000. You are better off purchasing the cheaper one way coverage and saving the difference.
Get Accident Waiver if Eligible
Regardless of which coverage you decide to purchase, be sure to always add accident waiver to your policy. Should an at-fault accident happen, the accident waiver could save you thousands of dollars in insurance premiums.
Finding an Auto Insurance Broker in Mississauga
Finding an auto insurance Mississauga does not need to be difficult. Its always a great a idea to do some of your own research. You can call Filip Ambroziak, who is a RIBO licensed insurance broker and have a chat!
Auto Insurance Rate In Mississauga Neighborhoods
Auto insurance rates in Mississauga is always a hot topic as they can be expensive depending on the drivers rating. Averages auto insurance prices in Mississauga are around $292 per month. Below are some of the cheapest and most expensive neighborhoods in Mississauga for auto insurance:
Hurontario and Dundas (Cooksville): This has become a busy area with the LRT being built and rougher roads. Thefts have also increased in this area making it an expensive neighborhood for insurance.
Square One: This is a very busy area in Mississauga, possibly the most busy in the city. Many new condos have gone up here and has many commuters. This area is average for auto insurance.
Malton: Another pricier auto insurance area as thefts have been on the rise along with many vandalism claims. To decrease rates here, clients should consider getting Telematics (UBI) apps to reduce their insurance rates.
Port Credit: This neighborhood is very close to the lake, and has had stable growth over the years. It could get busy along Lakeshore but generally its safe with less collisions and less thefts than average. Port Credit is considered well priced on auto insurance.
Clarkson: close to the Clarkson GO many commuters live here and may use their vehicles less. Its not a dense area and has wide roads such as Southdown Rd and Lakeshore. Its also right by the QEW making commutes to Toronto simple. Auto insurance premiums are also good in this neighborhood.
Meadowvale: Close to Heartland, has great rates as families are somewhat established and generally has large roads with less thefts.
These are just general ideas of which Mississauga neighborhoods offer good or bad pricing assuming the individual has a strong personal record.
Three Reasons
Why Your Mississauga Auto Insurance is High
Many factors affect your auto insurance rate, but these three have the largest impact.
01
Address
Mississauga is expensive for auto insurance. Your exact address will have the biggest impact on your rate.
02
Claims
If you have an at-fault collision on your record, expect your car insurance rate to be high. At-fault accidents are rated for six years.
03
Car
Your vehicle will have an impact on your car insurance rates. Repair costs are much higher for luxury vehicles
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Mississauga insurance rates have been increasing yearly. Whether you have a renewal coming up or are simply looking to switch companies, we are here to help!
How to reduce your Premium
Mississauga Car Insurance Tips and Discounts!
Mississauga is a very popular city for new immigrant as well as young families who commute to Toronto. As a young or new driver, insurance rates can be very high.
Here are a few discounts to help reduce your auto insurance rates even more:
- Drivers training discount
- Multi-vehicle discount
- Winter tire discount
- Pleasure usage
- Home and auto discount
- Telematics enrolment discount.
Along with all those discounts, here are a few more tips to help keep you car insurance as low as possible.
- Increase your deductible if you have full coverage. If you are confident in your driving, consider increasing your deductible. That will decrease your insurance rate.
- You should always bundle your auto insurance with your Mississauga home insurance policy. If you do not own a home to bundle with your auto insurance, inquire about purchasing a tenant insurance policy.
- Collision and comprehensive coverage are not mandatory. If you have an older car, consider insuring it just one-way to help save on insurance costs.
How to Save on Mississauga Auto Insurance
Mississauga auto insurance rates are rising every year. Now more than ever is a great time to shop around!
Below you will find three more ways on how you can save some money on your Mississauga car insurance.
What Coverage is Required By Law?
Mandatory Auto Insurance in Mississauga
In Mississauga, you are required to have an auto insurance policy if you drive. Fines for not having valid insurance in Mississauga can be up to $5,000 and they stay on your record for 3 years. Having a “No insurance” ticket on your file will make your future policies very expensive.
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- Serving Mississauga!
- Monday - Friday: 10:00am - 5:00pm
- (416) 803-2113
- filipa@pbnet.ca
Filip Ambroziak
Filip Ambroziak is a RIBO (Registered Insurance Broker of Ontario) and LLQP licensed broker operating in Mississauga. After many successful years in the industry, he has created a client base covering a range of small to large businesses, builders risk policies, commercial and personal auto, rented dwellings, high worth homes, dealerships, contractors, lawyers, real estate brokerages, non-for-profits and many more.
Filip is partnered with the largest and most reputable auto insurance companies in Mississauga.
FAQ
Frequently Asked Questions
Some companies may not accept cars that have a rebuilt title as they deem it to be too risky. However, our brokerage does have companies that will accept a rebuilt vehicle. You may have to provide a few pictures (one of each side, front and rear) or a safety certificate in order to have it approved.
Its always best to call Filip Ambroziak and discuss the situation and get approval.
This is a great question for your broker. In most cases, you absolutely should, but their are situations where its not mandatory. An example would be the driver has his or her own auto insurance policy already.
If they do not have insurance anywhere, they should be added to your policy and if you don’t want them using your car, you can exclude them.
Yes, Filip Ambroziak is a RIBO (Registered Insurance Brokers of Ontario) licensed Insurance Broker. His License is 39091 and can be searched here.
This requires a chat with your auto insurance broker because depending on what you do, you may require a “Business Use” class endorsement on your vehicle insurance, or a new commercial auto insurance policy.
This is a tough situation for anyone, you recently had a claim and perhaps your auto insurance has gone up as well.
If you accident was a not at fault, you shouldn’t see an increase from that accident. But that doesn’t mean insurance rates in general didn’t go up.
If your accident was at fault, and you didn’t have accident forgiveness, your insurance will go up a lot. It may be a good idea to shop around at this point.
You definitely should as insurance companies charge very little for a G1 driver and in some cases, it’s free. It will also build the credit of the new driver up.