Auto Insurance Vaughan

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Vaughan Car Insurance Quote

What is required by law?

Mandatory Auto Insurance in Vaughan

In Vaughan, you are required to have an auto insurance policy if you drive. Fines for not having valid insurance in Vaughan can be up to $5,000 and they stay on your record for 3 years. This will make getting insurance very difficult. The following coverages are mandatory:

More Tips to keep your auto insurance Rates low

Vaughan Auto Insurance

cheapest auto insurance quotes

What Type Of Coverage Should you get?

Getting the best auto insurance coverage is not simply finding the right price. Cost is very important but if an accident occurs, you won’t be looking at the price of your policy. Below we will discuss the two most common types of auto insurance policies clients purchase and who each one is suited best for.

One-Way Coverage

One-way or liability only coverage is an auto insurance policy where your vehicle repairs are not covered should an accident occur that was your fault. Ex: You drive into another persons vehicle while making a left turn. Since this accident was your fault, your vehicle repair bills are not covered. The third-party liability is still included in this policy.

This is a great way to save money if you have an older car where repairs would not be very costly. Newer vehicles or more high end cars should have a full coverage policy.

Full Coverage

Full coverage on auto insurance means the policy covers both vehicle damage as well as the liability component regardless of who’s fault the accident was. If the accident was your fault, your vehicle will be covered subject to a deductible (Usually either $500 or $1000). The lower the deductible, the higher the cost of insurance.

This policy is perfect if you have a new car and are financing/leasing it. The finance/leasing company will require you have a full coverage policy in place in order to protect their interest in the car. This policy is also great if you own a high end vehicle which would be very expensive to fix on your own.

How To Get An Auto Insurance Quote in Vaughan

Getting a car insurance quote in Vaughan is very simple. The process is as follows:

  1. The customer is asked for his basic information such as name, address and date of birth.
  2. If its a non-standard auto insurance quote, the customer will be asked a few follow-up questions to better access the situation.
  3. If the client is unsure of the coverage options, the insurance professional will explain the choices and help the client select them.
  4. Once all the required information is received, the info is put through the insurance company software for estimates. 
  5. Once a quote is generated, the coverage is discussed and the client can decide to proceed with an application. Insurance applications are simple and can be done in the same say!

Top Reasons

Why Your Vaughan Auto Insurance is High

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

01

Address

Your address is the biggest factor that will affect your car insurance in Vaughan. General, rates get better as you go North.

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 auto insurance rates. New, Luxury vehicles may cost more to repair which can increase insurance premiums. 

How to Save on Vaughan Auto Insurance

Vaughan auto insurance rates are rising every year. Now more than ever is a great time to shop around! Have a chat with a Vaughan insurance broker for more information!

Below you will find three more ways on how you can save some money on your Vaughan car insurance.