Auto Insurance in Burlington
There is no better time to shop around than now! Insurance rates change every few months, the company that was best in Burlington last year may not be today. Shop around for the best current car insurance rate!
What is required in Burlington?
Mandatory Auto Insurance Coverage
In Burlington, you must have an auto insurance policy in force to drive. Fines for not having valid insurance in Burlington can be up to $5,000. The following coverages are mandatory at all times:
How do rates compare to other cities?
Car Insurance Rates in Burlington
Burlington Rates are good Compared to the GTA
Living in one of the best cities in Ontario (number 2 according to MoneySense magazine) does require a vehicle like most cities outside the downtown Toronto core. Lucky for you, Burlington has great auto insurance rates especially when compared to cities like Mississauga or Brampton.
We have many clients who live in Burlington and it’s surrounding cities and we have a very good idea of auto insurance premiums. Assuming you have a good driving history with no accidents or tickets, and a modest car, getting cheap insurance should be a very simple task. The quickest way to get your best rate is by calling an insurance broker who will be able to shop the insurance companies in Ontario and compare their offerings.
Coverage and Price
Did you know that if you only have “one way” coverage (also called liability only) and you are the victim of a hit and run where the other party is never found, you will have to cover the costs of your car? Or if the third party is caught but doesn’t have insurance (around 10% of Ontario drivers according to recent statistics) you will be left with the bill to pay for damages to your car.
These are coverages that may increase your monthly premium, but could save you a lot of money if something ever happens.
Collision and Comprehensive coverage
Why Your Current Burlington Auto Insurance Is High
These three factors have the most weight on your rate and are likely the reason your premium is higher compared to your friends!
The address is the biggest factor that will affect your auto insurance. Different parts of Burlington will have different rates.
If you have an at-fault accident on your record, expect your insurance rate to be high. At-fault claims are rated for six years.
Your vehicle will have an impact on your car insurance price. New, expensive vehicles will cost more to repair and can increase insurance rates.
Save on your Burlington Car Insurance
Burlington 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 Burlington car insurance.
Get the Best Auto Insurance rates in Burlington!
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How to reduce your Insurance Rate
Burlington Auto Insurance Discounts and Tips!
Burlington is one of the nicest cities to live in. That’s already known. But did you know that X-men was filmed in Burlington? Obviously not the whole movie, but it still makes Burlington famous!
Burlington may be nice, but you do need a car to get around the city making.
Below are a few discounts to help reduce your auto insurance rates even more:
- Pleasure usage
- Telematics enrolment discount
- Multi-vehicle discount
- Home and car discount
- Winter tire discount
- Drivers training discount
Along with all those discounts, here are a few extra tips to help keep you auto insurance premiums as low as possible.
- If you do not own a home or condo, you can consider getting tenant insurance to qualify for the home and auto discount.
- Increase your deductible. If you are confident in your driving ability, you should consider increasing your deductible because that will decrease your insurance rate.
- 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.
- Be sure to bundle your auto insurance along with a Burlington home insurance policy. Even if that property policy is small, it will still qualify for the discount.
Commercial Auto Insurance in Burlington
Can be very affordable!
Is your car used for business?
Burlington Commercial Auto Insurance
Are you an independent contractor and use a vehicle regularly to get to job sites or transport tools? Are you a delivery driver with a cargo van? If situations similar to those above apply to you, you will require a commercial auto insurance policy.
The biggest mistake many drivers make is assuming that a normal auto insurance policy will cover them. If an insurance company notices that a vehicle is commercially rated, they may cancel you for misrepresentation.
Commercial Auto Insurance Questions and Answers
Burlington Commercial Auto Questions
Is commercial auto insurance a lot more expensive than a normal auto insurance policy?
Here is where most people are surprised. In many cases, a commercial auto insurance policy can be less expensive than a standard auto insurance policy. Commercial auto insurance has different rating factors and in many cases are much more tolerable of tickets and accidents.
Does getting a commercial auto insurance quote take long?
Getting a commercial auto insurance quote does not take long at all. The quoting process is very similar to the normal quote process with the addition of a few more questions. The insurance company will want to know what the vehicle is used for as well as the kilometer radius of usage in the city.
Examples of businesses in Burlington which may require commercial auto insurance
Can I use my commercial vehicle personally?
You may use the commercial vehicle personally as long as you are being rated as a class 36 on your policy. Be sure to notify the insurance company that this vehicle is used for pleasure as well.
Find more Great auto insurance rates
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