Auto Insurance Burlington

There is no better time to shop around then 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!



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.