How Can You Get Cheap Car Insurance in Orangeville?
You can get cheap Orangeville car insurance by finding the best deals. Here are several tips to help you do so:
Who Provides Car Insurance Quotes in Orangeville?
Insurance brokers, agents, aggregators, and direct writers provide car insurance quotes in Orangeville. Here’s an overview of these four insurance quote providers:
How Does Car Insurance Work in Orangeville ?
Car insurance in Orangeville works by providing financial coverage in case something bad happens to you or your car, depending on the protection you choose. Auto insurance in Orangeville 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 Orangeville .
Here’s a breakdown of the key elements of your auto insurance policy:
How Your Car Insurance Quotes Are Calculated in Orangeville
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 Orangeville car insurance quotes:
Most Expensive Postal Codes in Orangeville
The average rate for auto insurance in Orangeville, ON is $1,593. It’s over $200 more expensive than the provincial rate in Ontario, which is $1,385.
Orangeville is among the most expensive towns and cities to purchase auto insurance in the province. This is likely due to its proximity to Toronto, the busiest city in Ontario, where people from Orangeville commute to and from.
L9W is the most expensive postal code in Orangeville, and here’s a look at auto insurance prices there:
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| L9W | $1,593 |
Least Expensive Postal Codes in Orangeville
Dense urban areas often have higher claim rates than more rural areas. As such, those living in urban neighbourhoods are more likely to see higher auto insurance rates. Moreover, Orangeville only has one postal code, so there are no places where auto insurance prices are below the city average.
Car Insurance Cost in Orangeville by Age
Under 25 and looking to hit the road? You might want to buckle up for higher auto insurance premiums. Less experienced drivers can often make more mistakes on the roads. As such, insurance providers tend to put a steeper price tag on coverage for young drivers.
Insurance rates drop once you hit 25 but rise again around the age of 65. This is likely because seniors face greater risks when it comes to serious traffic accidents.
Take a look at how car insurance rates vary by age in Orangeville:
| Age | Average annual insurance cost | Average savings with MyChoice |
|---|---|---|
| 18-20 | $5,687 | $1,131 |
| 21-24 | $3,250 | $646 |
| 25-34 | $2,166 | $431 |
| 35-44 | $1,593 | $317 |
| 45-54 | $1,306 | $260 |
| 55-64 | $1,110 | $221 |
| 65+ | $1,266 | $252 |
Car Insurance Cost in Orangeville by Driving History
A clean driving record is often the key to favourable car insurance premiums, but if you have a few notches on your record, an auto insurer may consider you a high-risk driver.
Unfortunately, while traffic citations and demerit points only stay on your record for two years in Ontario, auto insurers can take these into account for up to 10 years.
Here’s a brief overview of how driving history affects auto insurance rates in Orangeville, ON:
| Driving violation | Average annual car insurance rate |
|---|---|
| Clean driving record | $1,593 |
| Insurance cancellation due to non-payment | $2,613 |
| Licence suspension for alcohol-related offences | $1,909 |
| One accident | $3,511 |
| Speeding ticket | $2,074 |
Other Factors That Affect Car Insurance Prices in Orangeville
We’ve covered several factors that influence car insurance rates in Orangeville. Aside from those, several extra factors play a part in determining your Orangeville auto insurance premiums:
The Best Car Insurance Brokerages in Orangeville
With the vast array of insurance companies and products available, securing coverage that best suits your needs can be time-consuming. A savvy insurance broker with expertise in navigating these complexities can make all the difference.
Here are some of the best insurance brokerages in Orangeville. Feel free to reach out to one for any questions you have and assistance you need:
| Brokerage | Address | Phone number |
|---|---|---|
| Absolute Insurance Brokers | 71 5th Ave, Orangeville ON L9W 1G3, Canada | +15199412266 |
| Orangeville Insurance Services Limited | 11 Mill St, Orangeville ON L9W 2M2, Canada | +15199411500 |
| Pirie & Burgess Insurance Brokers Inc | 81 Broadway, Orangeville ON L9W 1K1, Canada | +15199416769 |
Driving in Orangeville
The small town of Orangeville is home to roughly 30,000 people, many of whom commute to the Greater Toronto Area daily. Orangeville is about an hour’s drive from Toronto. But while many residents head out to the big city for work, hundreds of people from surrounding areas come into town to enjoy the range of arts, culture, and outdoor activities that Orangeville has to offer.
Learn more about driving and commuting in Orangeville below:
- Major highways: Highway 10, Highway 9
- Public transit options: Orangeville Transit (bus)
- Ridesharing services: Uber
- Parking space providers: The Town of Orangeville, private lots
- Top tourist attractions: Downtown Broadway, Opera House, Art Walk of Tree Sculptures, Island Lake Conservation Area, Museum of Dufferin, Mono Cliffs Provincial Park, the Orangeville Farmers Market, Kay Cee Gardens, Dragonfly Park
- Busy intersections: Trafalgar Road and Derry Road, Broadway and First Street
- Airports: Toronto Pearson International Airport
Main Mode of Commuting in Orangeville
Orangeville is a commuter town thanks to its proximity to the Greater Toronto Area, so most of its residents rely on cars to get to work. Cars top the chart as Orangeville’s most popular commuting method with 91.2%, while public transit comes in at a distant second at 3.7%. Here’s a detailed look at the main modes of commuting in Orangeville:
| Main mode of commuting | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 39,235 | 100.0 |
| Car, truck or van | 35,790 | 91.2% |
| Car, truck or van – as a driver | 33,035 | 84.2% |
| Car, truck or van – as a passenger | 2,760 | 7.0% |
| Public transit | 1,465 | 3.7% |
| Walked | 910 | 2.3% |
| Bicycle | 120 | 0.3% |
| Other method | 955 | 2.4% |
Commuting Duration in Orangeville
Many people in Orangeville travel to the GTA for work, so commute times can be a little bit higher than towns outside the area. Over a quarter of Orangeville’s commuters spend 30 to 44 minutes getting to work, while another quarter take 15 to 29 minutes. Check the table below for more details on Orangeville’s commute times:
| Commuting duration | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 39,235 | 100.0 |
| Less than 15 minutes | 9,335 | 23.8% |
| 15 to 29 minutes | 10,260 | 26.2% |
| 30 to 44 minutes | 10,840 | 27.6% |
| 45 to 59 minutes | 4,350 | 11.1% |
| 60 minutes and over | 4,455 | 11.4% |
Driving Conditions in Orangeville
Orangeville gets an average of 18 days of snowfall during its snowiest month, January. During winter, many roads in Orangeville are closed off due to poor visibility, slick roadways, felled trees, and other hazards. Winter tires are essential.
Here are some fast facts about driving conditions in Orangeville:
- Average daily commute time: 62 minutes round trip
- Average annual rainfall: 667 mm
- Average annual snowfall: 845 mm
- Rainy days per year: 152.4 days
- Rainiest month in Orangeville: October
- Driest months in Orangeville: February
- Snow days per year: 82.2 days
- Snowfall months in Orangeville: January – May, October – December
Traffic in Orangeville
Orangeville’s proximity to the GTA makes it a commuter town. Most residents are reliant on their cars to commute to and from work. Traffic can build up on weekdays, particularly during rush hour.
During the winter season, winter sports enthusiasts head up to the area for some skiing and snowboarding too. Expect light tourist traffic on weekends.
Here are some facts about traffic in Orangeville:
- Population: 30,167 people live within Orangeville’s city limits.
- Town area: Orangeville’s city limits span 15.61 km2.
- Busiest highways: Orangeville’s busiest highways are X.
- Time spent in traffic annually: The average Orangeville resident spends roughly X minutes in traffic each year.
The Most Common Questions About Car Insurance in Orangeville
Is ridesharing insurance available in Orangeville?
Ridesharing insurance is available throughout Ontario, which Orangeville is a part of. Drivers who use their vehicles for commercial purposes are required to purchase ridesharing insurance beforehand.
How much does Orangeville car insurance cost?
Orangeville car insurance, on average, costs $1,593/year.
Is car insurance cheaper in Orangeville than in Toronto?
Car insurance is cheaper in Orangeville than in Toronto. The average rate for auto insurance in Orangeville is $1,593, while in Toronto it is $1,796.