Burlington Car Insurance
Burlington, Ontario, nestled along the picturesque shores of Lake Ontario, serves as a harmonious blend of vibrant urban life and tranquil waterfront living. Strategically located near the bustling Greater Toronto Area, it offers a unique mix of daily convenience and serene lakeside charm. This balance of city dynamics and the scenic beauty of Lake Ontario accentuates the importance of reliable Burlington Car Insurance. It brings a sense of security to residents and visitors alike as they traverse the lively cityscape or enjoy leisurely drives along the waterfront. Having access to comprehensive car insurance in Burlington ensures that all travels, be it for work or relaxation, are protected against unforeseen circumstances.
Mandatory Car Insurance in Ontario
Liability portion of your car insurance policy provides protection against damage you cause to other people or their property
Direct Compensation property Damage
Covers damage to your vehicle from your own insurance company to the extent you are not at fault. (For portion you are at-fault you would need collision or all perils coverage)
Uninsured Automobile Coverage
Protects you if you are hit by an uninsured motorist or by hit and run driver. This portion will cover damage to your automobile caused by an identified uninsured motorist.
Provides compensation if you or others are hurt or killed in a car accident.
Extra Coverages for your Burlington Car Insurance to TakeYou Those Extra Km’s
Covers your damage to your car a result of hitting an object or another car.
Covers some insured damages such as falling objects, theft and fire.
All Perils Coverage
Most extensive physical coverage for your car. Covers collision + comprehensive and better theft coverage.
Accident Forgiveness Coverage
Extra coverage that protects your driving record and your insurance rate from going up from your first at-fault accident. Typically, you need to have been insured accident free for a set number of years to qualify.
Depreciation Waiver Coverage
Gives you the purchase price of the vehicle in the event of a total loss.
Rental Vehicle Coverage
Provides you with a rental vehicle to a specified limit after an insured loss.
How Burlington Car Insurance Rates Determined
The Car you Drive
Factors such as engine size, the cost of the vehicle and safety ratings can all make an impact to how much you will pay for car insurance.
How you Drive
Generally, if you are driving many kilometers or driving to work you will generally pay more than someone that just used their vehicle for occasional driving and errands.
The Area in Which You Live
The area in which you live and where you most often drive affect the price you pay for car insurance. Generally, big cities have more traffic this makes the risk of accidents being higher.
Things like your age, your driving history, how many tickets, accidents, when you got licensed as well as other factors can all play a part in making your rate..
All the Coverages You Choose
Some coverages you choose can add up and it is up to you to determine which are best fit for you. Our brokers can help you decide.
Discounts You Qualify for
A variety of eligible discounts can be added if you qualify that may impact your final car insurance rate.
Ways you Can Save to Get Cheap Burlington Car Insurance
Add your house policy to get a multi-line discount..
Insure two or more vehicles
Insuring your vehicles with the same company can result in a multi-vehicle discount.
In Ontario, there are many options for car insurance whether through agents, brokers or direct companies. There are many offerings.
Determine how much you are comfortable covering yourself if minor damage occurs and adjust your deductible accordingly.
Some insurers charge a maximum rate of 1.3% for paying for your car insurance on a monthly basis. If your company is charging you for paying monthly – ask about paying annually or in larger installments to avoid fees.
Install winter tires
Installing winter tires on your vehicles just makes sense for winter driving, but it can also save you money on what you pay for your car insurance.
Take a Drivers Training course
If you are a young or inexperienced driver the price you pay for car insurance might be improved by taking an approved driver training course.
Insurers typically give renewal discounts after a year or three and it might be wise to consider what the renewal price will be when you are shopping around.
Tips for Driving in Burlington
Watch Out For Wildlife
Wildlife running across roads and highways is very common and it is something to watch out for.
Put On Snow Tires
Snow tires will help you control and stop in inclement weather, they do make a difference.
Check the Weather
Check the weather of where you are planning to go. Even an hour away can be the difference between rain or shine.
You Get One Dedicated Broker
We are not a call center, you will have the same broker for your policy.
In Business Since 1982
We are an independent broker located in Toronto since 1982
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Burlington Car Insurance FAQ
How much car insurance do I need in Burlington, Ontario?
The types of mandatory car insurance coverage in Burlington are similar to those in the rest of Ontario: Third-Party Liability Coverage, Statutory Accident Benefits Coverage, Uninsured Automobile Coverage, and Direct Compensation-Property Damage (DC-PD) Coverage. The minimum coverage for Third-Party Liability in Ontario, including Burlington, is $200,000, but many drivers opt for at least $2 million. Optional coverages, such as Collision or Upset Coverage, Comprehensive Coverage, All Perils Coverage, and Specified Perils Coverage, are also available and should be considered based on factors like your car's value, your deductible, and additional liability needs. Consulting with a Burlington-based insurance broker can help you understand your options better
How much is car insurance per month in Burlington, Ontario?
Car insurance costs in Burlington can vary based on factors such as age, driving history, vehicle type, coverage level, and specific location in Burlington. While Ontario drivers generally pay between $100 to $250 per month, rates in Burlington can be affected by its proximity to the Greater Toronto Area. To get the most accurate estimate, compare quotes from different insurers and consider potential discounts for clean driving records, multiple vehicles, or bundling insurance types.
How much is insurance for a G2 Driver in Burlington, Ontario?
Insurance premiums for G2 drivers in Burlington are typically high due to the increased risk associated with less experienced drivers. They might range from $1,800 to over $5,000 per year. However, rates in Burlington could be somewhat lower than in the GTA. It's advisable to obtain multiple quotes and explore discounts, such as those for certified driver's training courses or being added as an occasional driver on a parent's policy.
Which car has the cheapest insurance in Burlington, Ontario?
Cars with cheaper insurance in Burlington include economy sedans, vehicles with good safety ratings, models with lower theft rates, and older cars. Popular choices are Toyota Corolla, Honda Civic, Hyundai Elantra, and Mazda3. However, insurance rates are personalized, so factors like driving history and coverage choices play a significant role. Considering Burlington's winter conditions, cars equipped for winter driving should also be considered.
How much is car insurance in Burlington, Ontario for a new driver?
New drivers in Burlington face high insurance rates, around $200 to $500 per month, influenced by factors like vehicle type, coverage options, and driving courses. New drivers who have recently moved to Ontario may leverage their previous driving experience to mitigate high rates. It's crucial to compare quotes and discuss unique situations with insurers.
Do all drivers in a household have to be insured in Burlington, Ontario?
In Burlington, like the rest of Ontario, all licensed drivers in a household should generally be listed on the car insurance policy. Informing your insurer about all licensed drivers, even those with separate policies, is important to avoid policy voidance. Discuss specific circumstances with your insurance provider for proper coverage.
Burlington Car Insurance Quotes For Different Types of Car Insurance
Clean Record Car Insurance in Burlington
In Burlington, individuals with clean driving records can access some of the best car insurance rates, acknowledging their commitment to safe driving. At Humberview Insurance Brokers, we specialize in providing affordable car insurance solutions tailored for the Burlington community. Our experienced, licensed Insurance Brokers are dedicated to guiding you through selecting the right policy and offering expert advice, especially in navigating the claims process.
Burlington Commercial Auto Insurance
Humberview Insurance Brokers has been a trusted name in Commercial Auto Insurance in Burlington for over thirty years. Serving a diverse range of clients, from contractors to cafe owners, and any business that relies on vehicle use, we're committed to supporting your commercial ventures. Our custom policies are crafted to safeguard your business and assets, establishing us as a dependable choice for your Burlington commercial auto insurance requirements.
High-Risk Car Insurance in Burlington
Certain drivers in Burlington may find themselves in the category of high-risk car insurance, particularly if they are considered a higher liability due to their driving history. Issues like impaired driving not only pose a threat on the road but also carry serious legal consequences. High-risk car insurance may also be necessary for those with a history of repeated traffic violations, involvement in accidents, or lapses in insurance coverage. This type of insurance serves as a crucial step for drivers aiming to rebuild a positive driving record while staying properly insured on Burlington’s roads.