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Cornwall Auto Insurance

As an industrial hub and gateway into Canada, Cornwall sees a lot of traffic, and the roads can be dangerous—especially in the winter. That makes having quality car insurance a must. If you’re looking for the best Cornwall car insurance at the lowest possible rate, you’re in the right place.

At My Choice, you can quickly compare quotes from over 30 top Canadian insurance providers. Best of all? The entire process takes less than three minutes. Check your rates today—what do you have to lose besides your high insurance premium?

Is Car Insurance Expensive in Cornwall?

Cornwall car insurance rates aren’t exactly low, but then, they are lower than most of Ontario. The average annual premium in Cornwall is $1,027.70, roughly a third less than the provincial average.

Drivers in Eamers Corners, Glen Falloch, Grants Corners, Lakeview Heights, and Long Sault can expect to pay slightly higher premiums than those in other neighbourhoods, but rates are usually still under $100 a month.

Many factors influence the price of car insurance. In Ontario, all drivers must have at least $200,000 in liability coverage but may choose to carry more. Newer cars typically cost more to insure, and other factors such as your age, driving record, claims history, and more also influence your rate.

Driving In And Around Cornwall

Driving in any city can be hazardous, especially in bad weather. A recent comparison of traffic data showed an increase in Cornwall traffic accidents from 2018 to 2019, particularly in the winter months.

In 2019, there was a total of 1,428 traffic collisions in Cornwall, which is 48 more collisions than in 2018. These accidents caused a total of two fatalities and 140 non-fatal injuries, compared with zero fatalities and 118 non-fatal injuries in 2018.

In 2019, there was an average of four accidents per day. Most of the accidents were concentrated in the winter months, especially January and February. In terms of days of the week, more traffic collisions occurred on Thursday and Friday than any other days of the week. Collisions involving drivers under the influence of drugs or alcohol occurred most frequently between 7 p.m. and 11 p.m. on Fridays, Saturdays, and Sundays.

What Are The Accident Hotspots in Cornwall?

In addition to weather, location also affects driving safety. Certain areas of Cornwall are more dangerous to drive than others due to traffic patterns, driver habits, and construction.

Ninth Street, which has many east/west intersections, has about 95 accidents each year, the highest average in Cornwall. McConnell Avenue sees about 43 traffic collisions each year, particularly at the Second Street, Ninth Street, and Eleventh Street intersections.

Other areas with a high incidence of traffic accidents include Brookdale Avenue from Tollgate Road to Ninth Street, the intersection of Tollgate Road and Pitt Street, and the intersections of Second Street and Glengarry Boulevard, Pitt Street, and Marlborough Street.

The City of Cornwall works hard to keep its streets safe. The Municipal Works Department maintains the roads in terms of potholes and other repairs, snow plowing, and snow removal from parking lots, curbs, and sidewalks. The city also maintains all street signs but outsources streetlights and traffic signals. 

How to Get the Best Car Insurance Rate in Cornwall

Most insurance companies offer discounts for bundling insurance policies or having multiple vehicles on the same policy. You may also be able to get a discount for safe driving, driver education courses, how much you drive, and more. These offers can be a great way to improve your car insurance rate.

The Financial Services Commission of Ontario also approves insurance rate changes on a quarterly basis, making comparing rates regularly one of the best ways to get the best car insurance rate in Cornwall. You can compare quotes right here on My Choice as often as you like, entirely free.

Make sure that the rates you compare reflect similar levels of coverage, deductibles, and other factors for the most accurate comparison. Cornwall insurance quotes can differ by as much as $300 from provider to provider, so it is worth your time to look around before making your choice.

Find a Cheap Quote for Cornwall Car Insurance Here!

Car insurance can be an expensive but necessary purchase for drivers. Savvy shoppers want to get the best rates they can without sacrificing coverage. No one wants to get in an accident only to find out that their policy will only pay a fraction of the damage.

If you are looking for a good deal on Cornwall auto insurance, try out our price comparison tool. It allows you to compare car insurance in Cornwall from all the top providers.

Many car insurance comparison tools simply compare the price per month or year from different insurance providers. While that information is useful, it doesn’t provide the full picture. At My Choice, we go a step beyond to include rates, coverage, limits, and deductibles, so you can make a fully informed decision when it comes to car insurance.

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