How Can You Get Cheap Car Insurance in Bradford?
You can get cheap Bradford car insurance by finding the best deals. Here are several tips to help you do so:
Who Provides Car Insurance Quotes in Bradford?
Insurance brokers, agents, aggregators, and direct writers provide car insurance quotes in Bradford. Here’s an overview of these four insurance quote providers:
How Does Car Insurance Work in Bradford?
Car insurance in Bradford works by providing financial coverage in case something bad happens to you or your car, depending on the protection you choose. Auto insurance in Bradford is mandatory by local laws, which means you need car insurance to avoid fines or driver’s licence suspensions.
Worse still, if you get convicted of driving without insurance, you’ll get higher premiums from carriers. This makes driving again prohibitively expensive or even nearly impossible after being caught driving without insurance. That’s why getting auto insurance is essential before buying a car or driving in Bradford.
Here’s a breakdown of the key elements of your auto insurance policy:
How Your Car Insurance Quotes Are Calculated in Bradford
Your car insurance rates are calculated based on how risky you are to insure. Naturally, drivers more likely to get into accidents will have higher premiums than those less likely to be in an accident.
Here are seven factors that influence your Bradford car insurance quotes:
Least Expensive Postal Codes in Bradford
Car insurance in Bradford costs an average of $ 1,505, about $120 more than Ontario’s provincial average. The city has only one postal code, L3Z, so it has one unified car insurance rate.
Here’s a breakdown of Bradford’s car insurance rates based on postal code:
| Postal code | Average annual car insurance premium |
|---|---|
| L3Z | $1,505 |
Car Insurance Cost in Bradford by Age
Age is a major driving factor in whether you can expect higher insurance premiums. Generally, the idea is that older drivers have more experience and are thus more likely to be responsible and capable of avoiding accidents.
Drivers under the age of 25 can expect higher insurance premiums, while those in their 50s and 60s can expect the lowest insurance rates. However, once you reach a certain age, your premium rates start to rise again – usually when you reach the age of 65 or become a senior citizen.
Based on studies, 75-year-old male drivers pay 21% more for auto insurance than 55-year-old male drivers. This is because as people get older, they go through physical changes that can affect their driving ability, such as changes in vision, attention, fitness, and reaction time.
Take a look at how much car insurance costs can vary by age in Bradford:
| Age | Average Annual Car Insurance Rate | Annual Savings with MyChoice |
|---|---|---|
| 18 – 20 | $5,230.05 | $1,040.26 |
| 21 – 24 | $2,988.60 | $594.43 |
| 25 – 34 | $1,992.40 | $396.29 |
| 35 – 44 | $1,465.00 | $291.39 |
| 45 – 54 | $1,201.30 | $238.94 |
| 55 – 64 | $1,021.11 | $203.10 |
| 65+ | $1,164.06 | $231.53 |
Car Insurance Cost in Bradford by Driving History
Take a look below at how car insurance quotes vary by violation in Bradford:
All estimated rates are based on a 35-year-old female driving a 2018 Honda Civic four-door.
Your driving record plays a major role in determining the cost of your insurance premiums. Insurance companies will usually request the following.
- Demerit point total
- Any convictions, suspensions, and reinstatements under the Highway Traffic Act and Criminal Code of Canada
- Records of collisions
- Any driver’s license replacements/renewals
A clean driving record will help you get lower premiums, while a record laden with violations will get you tagged as a high-risk driver and cause insurance companies to charge you more.
In Ontario, driving violations remain on your record for two years, but they can affect your pre
Other Factors That Affect Car Insurance Prices in Bradford
We’ve covered several factors that influence car insurance rates in Bradford. Aside from those, several extra factors play a part in determining your Bradford auto insurance premiums:
The Best Car Insurance Brokerages in Bradford
Car insurance brokers help you choose the right auto insurance policy by answering your questions and comparing policy offers.
Here are several brokers in Bradford that you can contact for extra assistance when seeking car insurance:
| Brokerage | Address | Phone number |
|---|---|---|
| Lomonte & Collings Insurance Services | 4C7W+VV Bradford, Bradford West Gwillimbury, ON, Canada | +19057755411 |
| Tupling Insurance Brokers Ltd | 198 Holland St E, Bradford, ON L3Z 1H7, Canada | +19057753379 |
| Dracup Insurance Brokers Ltd | 442 Holland St W #3, Bradford, ON L3Z 0G1, Canada | +19052222447 |
| Debbie Moran Desjardins Insurance Agent | 100 Dissette St Unit 5, Bradford, ON L3Z 3G8, Canada | +19057753584 |
Driving in Bradford
Bradford was named one of the worst cities for driving in Ontario. This means Bradford has had many instances of people getting in accidents and getting ticketed – and sometimes both. Therefore, you should exercise extra care when driving in Bradford.
Here are some key facts about driving in Bradford you should know:
- Major highways in Bradford: 400, 9
- Public transit options: BWG Transit
- Ridesharing services: Uber, Lyft, Blacklane, SuperShuttle, Talixo
- Parking space providers: The Town of Bradford West Gwillimbury, private lots
- Top tourist attractions: Holland Marsh, Scanlon Creek, The Village Inn, The Highlands Golf Club
- Busy intersections: Professor Day Drive and Line 8, 10th Sideroad and Line 8
- Airports: Bradford Aerodrome
Main Mode of Commuting in Bradford
While Bradford has a robust public transit system, cars are still the most popular commuting mode in the town. Here’s a breakdown of commuting information in Bradford:
- Average commute distance: The average Bradford resident travels x km to their workplace or school.
- Commute duration: Most (27.8%) Bradford household members spent 30 to 44 minutes on their commutes.
- Main mode of commuting: Cars, trucks, and vans are the most popular commuting modes in Bradford, with 93.5% of households using them. 85.8% of these households are drivers, while 7.7% are passengers.
Driving Conditions in Bradford
Various weather and driving conditions like snow and rain can affect your auto insurance premiums. Here’s an overview of driving conditions in Bradford:
- Average annual rainfall: 33.9 mm
- Average annual snowfall: 96 mm
- Rainy days per year: 44
- Rainiest month in Bradford: June
- Driest months in Bradford: January, February
- Snow days per year: 110
- Snowfall months in Bradford: October-April
Traffic in Bradford
What does traffic look like in Bradford? Here’s a quick look:
- Population: 35,325 people live within Bradford’s city limits.
- City area: Bradford’s city area spans 201.04 km2.
Busiest highways: Bradford’s southern border is connected to Highways 400 and 9.
Bradford Car Insurance FAQs
Is ridesharing insurance available in Bradford?
Ridesharing insurance for Uber and Lyft drivers is available in Bradford. Ask your insurer for more details.
How much does Bradford car insurance cost?
Bradford car insurance costs $1,505/year, $120 over Ontario’s provincial average.
Is car insurance cheaper in Bradford than in Toronto?
Car insurance in Bradford is cheaper than in Toronto. There’s a $591 difference between the two cities’ average auto insurance rates.
What are the best car insurance companies in Bradford?
The best car insurance company in Bradford depends on what you want out of your policy and your budget. Use My Choice to compare insurance companies and find the right one for you.
Who has the cheapest auto insurance in Bradford?
The cheapest auto insurance provider in Bradford also depends on what types of coverage you choose. You can skip optional coverage to drive your rates down and save money.
Which cars get the lowest car insurance premiums in Bradford?
Our research shows that at $126/month, Fiats are the cheapest cars to insure in Bradford.
Why should you compare car insurance rates in Bradford?
You should compare car insurance rates in Bradford because different insurers provide different coverage at different prices. Comparing rates help you choose which policy has the best value.
What information do you need for an auto insurance quote in Bradford?
You need to provide basic personal details and vehicle information like production year, make, and model to get a basic auto insurance quote. You can get more accurate quotes by disclosing extra information, like your driving record and past traffic violations.
How do you find affordable car insurance for students in Bradford, Ontario?
There’s no affordable car insurance for students in Bradford, but students can be listed as a driver in their parent’s insurance policy. This way, they don’t have to spend money paying for their own policy.
Which auto insurance is the best for young drivers in Bradford?
The best auto insurance for young drivers in Bradford should be the one that gives ample protection at a reasonable cost.