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Burlington Auto Insurance

Burlington, Ontario, is a beautiful city that sits next to Lake Ontario. People are friendly and warm, and most residents drive to work. In fact, about 79% of Burlington’s population drives to work, as opposed to walking or taking public transit.

If you’re part of that 79%, you’re going to need insurance, but getting quotes can be a hassle. Luckily, My Choice can save you money on Burlington car insurance, compare quotes today!

What’s the Average Price of Car Insurance in Burlington?

Living in Burlington, you know that the very busy QEW and highway 403 run through town, and sometimes those roads are heavily congested with traffic.

While the median age of the population is a tick over 40, finding cheap car insurance in Burlington is affected by many things besides age, including gender, marital status, how many years you’ve been driving, credit history, and much more.

Some of these factors are obviously out of your control. Some you’ll need to work on over the long-term, such as credit score and driving record.

Burlington, Ontario, has a relatively low crime rate—the lowest crime severity index in all of Canada for cities with populations of 100,000 or more. If you are trying to find cheap rates in Burlington, the crime rate will not affect those rates as much as they would in a high crime area.

However, your credit score will affect your Burlington car insurance rates. The insurance industry finds that drivers with great credit are less likely to file a claim, so you want to make sure you are in good standing. Pay your bills promptly, and try not to borrow too much credit. Also, keep a low debt-to-income ratio to get cheap Burlington auto insurance.

What type of vehicle you drive could also affect your auto insurance rate. Some companies offer discounts if you drive a hybrid or electric vehicle. You can also score points with auto insurance companies if your car has up-to-date safety features.

How To Save On Car Insurance in Burlington

Keeping your driving record clean is key to finding cheap car insurance in Burlington. Tickets and accidents will raise your car insurance rates by hundreds of dollars. With moving violations on your record, it will take anywhere between three and ten years for insurance companies to stop counting it against you.

Raising your deductible can save you money on car insurance. Just remember to put aside the amount of the deductible in case you get into an accident. Deductibles can be as little as $500 or as high as $2,000.

Some insurance companies offer lower rates if you pay in one lump sum as opposed to monthly installments. Many people can’t afford this, but if there’s a way you can swing it, you can get a nice discount.

Finally, it’s important to get as many quotes as possible. One insurer might weigh these factors differently than another. You might find cheaper car insurance just by comparing rates and seeing if other insurers can match it or do better.

Driving in Burlington, What You Need to Know

Burlington is a rare pocket of Ontario where you can find cheap car insurance. Competition and free enterprise encourage insurance companies to offer competitive rates. That’s good news for drivers because even though the Financial Services Commission of Ontario regulates car insurance, insurance companies are free to set their own rates. 

Basic insurance is mandatory, so if you drive a car, you’ll need some protection. 

There are four areas of basic coverage you’ll need:

Third-person liability insurance: $200,000 is the minimum requirement

Statutory accident benefit: Covers injuries related to car accidents, both yours and the other driver’s

Direct Compensation Property Damage: Reimburses you for damage to your vehicle if someone else is at fault

Uninsured/Unidentified motorist: Covers you if you are in an accident with someone with no insurance or the victim of a hit-and-run

Collision and comprehensive insurance are not part of basic insurance. Collision and comprehensive cover damages to your car if you’re in an accident. These are not technically required, but if you have financed your vehicle, the lending company will require these policies.

Collision takes care of damages to your vehicle in the event of an accident with another car. Comprehensive covers damage to your car caused by things like vandalism or weather-related incidents. If you hit a deer, for example, comprehensive pays for the damages to your vehicle.

How to Find Cheap Car Insurance in Burlington

You’re going to need at least basic car insurance if you drive since it’s required by law. Car insurance companies are often adjusting rates, so the number one way to find cheap car insurance in Burlington, Ontario, is to shop around and get quotes from multiple car insurance companies.

Even if you already have car insurance that you’ve been happy with, it still pays to compare quotes. Switching to a new insurance company can potentially save hundreds of dollars.

Compare Quotes for Burlington Car Insurance with My Choice

If you want to compare car insurance quotes in Burlington, shop with My Choice. 

If you had to shop for Burlington car insurance yourself, you would have to get quotes from individual insurance companies, going from website to website. This process is time-consuming and tedious. Besides, why would you do that when we can do the same thing in about three minutes? 

We compare monthly rates, different coverage levels, deductibles and limits to find you the lowest rates. You’ll receive quotes from different companies and be able to see which one seems best. We’ll help you compare every aspect of the insurance quote so you can choose the ideal policy for you. 

Three minutes could save you as much as $1,000. Get a Burlington insurance quote from My Choice today!

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