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! 

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Burlington Car Insurance Quote

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

cheapest auto insurance quotes

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

We know that insurance is usually seen as a necessary evil but you shouldn’t just be looking at the price of your policy. There are a few coverages that are highly recommended to have on your auto insurance policy which may cost more upfront, but should something happen, can save your thousands in premium. 
 

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

When shopping around for auto insurance in Burlington, one of the questions you may be asked is if you would like to include collision and comprehensive to your auto insurance policy. 
 
There are times where it makes sense to opt out of collision coverage. For example, if you have an old vehicle which is worth very little, it makes sense to only insure it one-way and save on premiums. It is also a good idea to keep comprehensive coverage as it is inexpensive and will cover the vehicle should it be stolen. 
 
If your vehicle is financed, the finance company will require that you insure your vehicle for both collision and comprehensive coverage at all times. You can only change it once the vehicle is no longer financed.

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!

01

Address

The address is the biggest factor that will affect your auto insurance. Different parts of Burlington will have different rates.

02

Claims

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. 

03

Vehicle

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:

  1. Pleasure usage 
  2. Telematics enrolment discount 
  3. Multi-vehicle discount
  4. Home and car discount
  5. Winter tire discount
  6. 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

Commercial auto insurance
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

It is always best to contact an insurance professional if you are unsure of your insurance requirements. Below are a few examples of businesses which will require commercial auto insurance:

Electricians

General Contractors 

Janitors

Couriers

Painters

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. 

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