Auto Insurance in Milton

Get the best auto, commercial auto and fleet insurance rates in Milton from Canada's largest insurance providers!

+ 0
Quotes
+ 0
Happy Clients
+ 0
Cars Insured
+ 0 %
Retention Rate

Let us find you the best rate!

Milton Car Insurance Quote

What is required by law?

Mandatory Auto Insurance in Milton

In Milton, you are required to have an auto insurance policy if you drive. Fines for not having valid insurance in Milton can be up to $5,000 and they stay on your record for 3 years. This will make getting insurance very difficult. High risk auto insurance has become very difficult to attain in recent years so keeping your record clean is very important. The following coverages are mandatory:

More Tips to keep your auto insurance Rates low

Milton Auto Insurance

cheapest auto insurance quotes

Milton has been growing every year. It comes at no surprise with so many things to do. Milton is part of the Halton Region which is known for its wonderful hiking trails. If you are looking to go for a walk on some nice trails, visit Rattlesnake Point or Kelso Conservation Area.  Perhaps you prefer going for a nice drive, simply drive up Appleby Line up the mountain and you’ll get some stunning Milton views. 

Optional Auto Insurance Coverage in Milton

Previously, we have discussed the mandatory auto insurance coverages which includes DCPD, Uninsured automobile insurance, third part liability and accident benefits. Every driver must have these coverages in Milton and all of Ontario. 

There are many optional endorsements which can be added and several additional coverage options. By far, the two most important optional auto insurance coverages are collision and comprehensive coverage. 

Collision covers your vehicle in the event that the accident is your fault. Example: You rear-end the car in front of you and damage their rear bumper. Your vehicle also sustains damage to your front. This is an at-fault accident and without collision coverage, you will need to pay out of your pocket for your repairs. The third-party will be covered under their own insurance policy. 

Comprehensive auto insurance coverage covers your vehicle in the event that the incident is caused by something other than a vehicle. Examples include a tree falling on your car or someone stealing your vehicle. 

Both coverage options are very important and can be costly if your vehicle is new. Be sure to speak to your insurance company and inquire about pricing.

In Milton, a car is a necessity

In Milton, living without a car can be very, very inconvenient. Although it is a wonderful place to live, a car is almost mandatory. In fact, most families own more than one car! Depending on where you work, commuting East towards Toronto can take some time especially if you are traveling on highway 401. Winter makes things even tougher which is why winter tires are highly recommended if you live in Milton. Many companies offer a small discount for using winter tires!

How to get a Good Insurance Rate in Milton

If you are looking for good auto insurance rates, the only way is to shop the market and see what each insurer is offering. This is where an insurance broker comes in. An Ambroziak & Rao insurance broker has many insurance companies to shop with and can offer you the best rate with the best coverage. We have many clients living in Milton and know the area very well. 

How to Get a Milton Auto Insurance Quote and Policy

 We start with asking some basic questions to get an idea of your situation. Perhaps you have a brand new vehicle and require “gap insurance” or maybe you will be moving to a new address soon and it’s better to place you with a different company right away. Second, we see which discounts you can qualify for such as bundling your auto with a home insurance policy or combining multiple vehicles for the best rate. Finally, we compare all the quotes and coverage offered to you and suggest the company offering the best value. 

The process generally looks like this:

  1. We first want to get an idea of how your current situation looks like. Perhaps we may need to combine certain policies and keep others separate. We ask for some basic information such as your name, address and the vehicle you drive.
  2. With that information, we input all the data into the insurance company software and get some rates.
  3. One we have some estimates, we contact the client and discuss the coverage offered. 
  4. If the client agrees, we the begin the application process. In some cases, we may need to call underwriting for approval. The application can be done in the same day!

Top Reasons

Why Your Milton Auto Insurance is High

There are many factors which affect your auto insurance rate, but these three have the largest impact.

01

Address

Your exact address is the biggest factor that will affect your car insurance in Milton. Luckily, Milton has great rates.

02

Claims

If you have an at-fault collision on your record, expect your auto 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. New, Luxury vehicles may cost more to repair which can increase insurance rates. 

How to Save on Milton Auto Insurance

Milton 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 Milton car insurance.

Compare Milton auto insurance Rates!

whether you are adding a vehicle to an existing policy or would like to simply review your renewal, it will be the quickest quote you do! Shop and save on your auto insurance today! 

How to reduce your rate

Milton Auto Insurance Discounts and Tips!

Milton is home to many young families which means many of them aren’t at their peak earning potential. This makes it very important to cut down on major expenses such as car insurance.

Here are a few discounts to help reduce your auto insurance rates even more:

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

Along with all those discounts, here are a few extra tips to help keep you auto insurance premiums as low as possible.

  • You should always bundle your auto insurance with your Milton home insurance policy. If you do not own a home, you can create a tenant (renters) insurance policy as long as you are currently renting your home.
  • 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.
  • The telematics program is offered only by a few insurance companies. It’s an application which you download on your phone and it tracks how you drive for several months. For enrolling in the program, clients can save 10% and assuming the driver is good, a client can save up to 30% for every renewal that they stay with that company.

Quotes We made

Recent Milton Auto Insurance Quotes

Car: 2015 Ford Escape

Coverage: Full

Rate: $130.00 per month 

Car: 2014 Honda CR-V

Coverage: Full

Rate: $121.00 per month

Car: 2012 Toyota Prius

Coverage: Full

Rate: $111.00 per month

Cars: 2013 Audi Q5

Coverage: Full

Rate: $149.00 per month

Car: 2015 Ford F150

Coverage: Full

Rate: $101.00 per month

Car: 2009 Chevrolet Equinox

Coverage: Liability only

Rate: $134.00 per month

Commercial Auto Insurance in Milton

Do you use your vehicle for Business?

Milton Commercial Auto Insurance

Do you have a vehicle which you use for commercial purposes? Sometimes it may be difficult to tell the difference between a vehicle that should be commercial rated and a business use car. 

If you are unsure whether you require a commercial auto policy or a personal auto insurance policy, speak to an insurance professional. Having the incorrect policy type can nullify your policy. 

commercial vehicles in Milton

Milton Commercial Auto Insurance Questions

Commercial auto insurance

Whats more expensive? Commercial or Personal Auto Insurance in Milton?

Luckily for most Milton residents, auto insurance rates are very competitive for both personal and commercial auto insurance rates. We have noticed commercial auto insurance rates are a little more expensive than a standard insurance policy. This may not always be the case as it all depends on the usage of the vehicle. 

How Are Commercial Vehicles Rated in Milton?

Commercial and personal auto insurance have many similarities in how they are rated. Factors such as your address, driving history, accidents and tickets will still have an impact on your rate. 

The primary difference between personal and commercial auto insurance is the vehicle usage. If your vehicle is used for deliveries, it may be more costly than an electrician. 

How Do You Get A Commercial Car Insurance Quote?

Getting a commercial car insurance quote is simple. Simply fill out the form at the top of this page and in the message section, simply state the business use of the vehicle. 

Alternatively, you may call us at (416) 803-2113 and speak to an insurance professional. 

Do I qualify For Fleet Insurance?

In order to qualify for fleet commercial auto insurance, you must have at least 5 vehicles for the same business. 

By City

Find more Great auto insurance rates

We have been providing auto insurance quotes across the entire province. Are you looking to move somewhere outside of Milton? Get the best auto insurance quote in your city! View our service areas below! 

Request a Car Insurance Quote

Latest Resources

Our Insurance Publications

Why Insurance Rates Have Gone up in Ontario

As an insurance broker, one of the most common questions I receive is “why have auto/home insurance rates gone up so much?”. This is a fair question especially that a majority of people asking are great drivers with great records. Today’s blog post was inspired

Read More »

The Result of a Non-Pay Insurance Cancellation

If you read my previous blog post The Importance of a Clean Driving Record in Ontario, you will know that getting cancelled by an insurance company is one of the worse things you can have on your insurance record. What is a Non-Payment Cancellation? As

Read More »

The Importance of a Clean Driving Record in Ontario

Today I wanted to discuss something obvious to people who have been living in Ontario for some time, but may not be as obvious to newcomers. The importance of a clean driving record. Today I made about 4 “high-risk” quotes. Whenever I make a quote

Read More »

Insurance Insider: Intro

Hello Everyone and happy Tuesday! Welcome to my Blog! Goal: To help bring transparency into the insurance world one post at a time! Working as an insurance broker, each day brings a new task and challenge resulting in many new lessons. It is my goal

Read More »

I Have Life Insurance From My Work, Is That Enough?

Many companies offer their employees a benefits package which commonly includes a small group life insurance policy.  The life insurance benefit (amount of insurance) is usually 1.5x – 2x your annual salary. Is that “enough”? The answer as always is: It depends.  If you are single with

Read More »

Life Insurance for Smokers

I’m sure people have constantly told you how much smoking costs you… If you smoke a pack weekly, you’re looking at about $50 per month. You know this very well and all your loved ones won’t let you forget it. But there is an additional

Read More »

When Should I Buy Life Insurance?

When Should I Get Life Insurance?   We heard it all: “Life Insurance. Not exactly my priority, I got other bills that I have to pay now.” Or… “I’m too young for life insurance, I don’t have any kids so what’s the point?” And finally…

Read More »

What are the Benefits of Term Life Insurance?

  The Benefits of Term Life Insurance   Life insurance. One of the most responsible purchases of our lives. It’s probably not a conversation that everyone is excited to have , but its one that’s inevitable and every adult at one point will have it.

Read More »

Should I Buy Mortgage Insurance?

Is Mortgage Insurance Worth it?    You got the call from your bank that you’ve been approved for a loan.  You go out and place a bid on your dream home.  Your realtor calls and says the house is yours.   You run over to the

Read More »

Accident Forgiveness

What is Accident Forgiveness? Even the best drivers can make mistakes. Insurance companies know this and created an endorsement known as Accident Waiver (each company may have a different name for it). When a client has a policy with this feature, their rate will not

Read More »

“I hate how auto insurance is mandatory!”

If I got a dime for each time someone got angry with insurance being mandatory, I’d start my own insurance company and provide free coverage for everyone! It is Mandatory! Living in Ontario, Canada, every driver must carry adequate amounts of insurance. Yes… that includes

Read More »