How Can You Get Cheap Car Insurance in Timmins?
You can get cheap Timmins car insurance by finding the best deals. Here are several tips to help you do so:
Who Provides Car Insurance Quotes in Timmins?
Insurance brokers, agents, aggregators, and direct writers provide car insurance quotes in Timmins. Here’s an overview of these four insurance quote providers:
The Best Car Insurance Brokerages in Timmins
Insurance brokerages help make the process of finding the best rates easier. They take all your information, including your driving history, habits, vehicle make and model, age, gender, etc., and find the best insurance companies and deals that match your needs.
Here are some of the best auto insurance brokerages in Timmins:
| Brokerage | Address | Phone number |
|---|---|---|
| PAIB Insurance Inc. | 101 Pine St S Timmins, ON P4N 2K1, Canada | +18443605300 |
| BrokerLink | 100 Algonquin Blvd E Timmins, ON P4N 1A4, Canada | +17052693000 |
| BMT Insurance & Financial Services | 65 Maple St S Timmins, ON P4N 1Y6, Canada | +17052689988 |
| PBL Insurance Ltd | 100 3rd Ave Timmins, ON P4N 1C3, Canada | +17052681011 |
How Does Car Insurance Work in Timmins?
Car insurance in Timmins works by providing financial coverage in case something bad happens to you or your car, depending on the protection you choose. Auto insurance in Timmins 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 Timmins.
Here’s a breakdown of the key elements of your auto insurance policy:
How Your Car Insurance Quotes Are Calculated in Timmins
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 Timmins car insurance quotes:
Most Expensive Postal Codes in Timmins
The average auto insurance rate in Timmins, Ontario is $1,157, lower than Ontario’s provincial average of roughly $1,673. P4N is the most expensive postal code for auto insurance in Timmins:
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| P4N | $1,197 |
Least Expensive Postal Codes in Timmins
In terms of the cheapest postal code in Timmins that lies within the P4R area:
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| P4R | $1,150 |
Car Insurance Cost in Timmins by Age
Your age plays a key role in determining your auto insurance premiums. Insurance companies typically charge more to young drivers and seniors. This is because the former are inexperienced and don’t have a sufficient driving record to prove how capable they are on the road, while the latter are at an increased risk of severe injury in the event of a traffic accident.
Below, we list the average cost of auto insurance by age group in Ontario:
| Age | Average Annual Rates | Average Savings with MyChoice |
|---|---|---|
| 18-20 | $4,130 | $822 |
| 21-24 | $2,360 | $469 |
| 25-34 | $1,574 | $313 |
| 35-44 | $1,157 | $230 |
| 45-54 | $949 | $189 |
| 55-64 | $806 | $160 |
| 65+ | $919 | $183 |
Car Insurance Cost in Timmins by Driving History
Auto insurers are always looking at how much risk they have to bear for each client, so driving history is another factor that affects car insurance premiums. High-risk drivers have a higher chance of getting in a traffic accident, thus costing the insurance company more money. Drivers who incur more demerit points and traffic violations are more likely to be labelled “high-risk” drivers and charged higher premiums.
See how different traffic violations impact your auto insurance rates below:
| Driving Violation | Average Annual Car Insurance Premium |
|---|---|
| Clean driving record | $1,157 |
| Insurance cancellation due to non-payment | $1,897 |
| Licence suspension for alcohol-related offences | $1,388 |
| One accident | $2,545 |
| Speeding ticket | $1,504 |
Other Factors That Affect Car Insurance Prices in Timmins
We’ve covered several factors that influence car insurance rates in Timmins. Aside from those, several extra factors play a part in determining your Timmins auto insurance premiums:
Driving in Timmins
Known as the “City with a Heart of Gold”, Timmins is a large city in Ontario with a history in gold mining. Today, much of Timmins’ economy is based on the extraction of natural resources, including gold, copper, zinc, nickel, and silver. Timmins is just a few minutes away from the Trans-Canada Highway (Highway 11) and is about a seven-hour drive to Toronto.
Despite being one of the largest cities in Ontario land-wise, Timmins has a modest population of just 42,000 residents. It has plenty of opportunities in terms of employment, education, and recreational activities, yet it still retains a small-town charm to it.
Here are some more fast facts about driving in Timmins:
- Major highways: Highway 11, Highway 144, Highway 101, Highway 655
- Public transit options: Timmins Transit (bus, accessible minibus)
- Ridesharing services: Uride
- Parking space providers: The City of Timmins, private lots
- Top tourist attractions: Timmins Museum and National Exhibition Centre, Cedar Meadows Wilderness Park, Mount Jamieson Resort, Connaught & District Pioneer Museum, Thurston Stained Glass Studio
- Busy intersections: Algonquin Boulevard and Mountjoy Street, Algonquin Boulevard West and Theriault Boulevard, Algonquin Boulevard East and Brunette Road
- Airports: Timmins Victor M. Power Airport
Main Mode of Commuting in Timmins
Out of the 16,710 commuters in Timmins, 86.8% of them travel by car or other personal vehicle. Cycling is by far the least-popular commuting mode, with under a hundred bicycle commuters. Here’s a closer look at how Timmins’ commuters travel:
| Main mode of commuting | Counts | Rates |
|---|---|---|
| Total – 25% sample data | 16,710 | 100.0 |
| Car, truck or van | 14,510 | 86.8% |
| Car, truck or van – as a driver | 13,120 | 78.5% |
| Car, truck or van – as a passenger | 1,390 | 8.3% |
| Public transit | 715 | 4.3% |
| Walked | 1,025 | 6.1% |
| Bicycle | 70 | 0.4% |
| Other method | 390 | 2.3% |
Commuting Duration in Timmins
Over half of the city’s commuters enjoy a short commute of under 15 minutes. Even if their commute lasts over 15 minutes, most of them don’t spend over half an hour on the road. There are some people who spend over 30 minutes getting to work, but they’re relatively few and far between. Here’s a detailed look at commute times in Timmins:
| Commuting duration | Counts | Rates |
|---|---|---|
| Total – 25% sample data | 16,710 | 100.0 |
| Less than 15 minutes | 8,750 | 52.4% |
| 15 to 29 minutes | 4,975 | 29.8% |
| 30 to 44 minutes | 1,755 | 10.5% |
| 45 to 59 minutes | 360 | 2.2% |
| 60 minutes and over | 865 | 5.2% |
Driving Conditions in Timmins
Situated in Northeastern Ontario, Timmins gets very cold winters. From December to March, the average daily temperature is about -12°C. In the summer, average daily highs reach about 24°C. Winter tires are essential for driving around in Timmins during the snowiest months.
Here is an overview of the average driving conditions in Timmins:
- Average daily commute time: 22 minutes round trip
- Average annual rainfall: 555 mm
- Average annual snowfall: 1,653 mm
- Rainy days per year: 117.7 days
- Rainiest month in Timmins: June
- Driest months in Timmins: January
- Snow days per year: 142.2 days
- Snowfall months in Timmins: January – June, September – December
Traffic in Timmins
Traffic isn’t a major problem in Timmins, unlike other large cities in the province like Toronto or Ottawa. Most of its workforce enjoy a relatively short commute of just 11 minutes one way. Many residents bike or walk to work as well.
Traffic is perhaps most notable during winter months when the city is inundated with tourists seeking winter activities like snowshoeing, ice fishing, skiing, and snowmobiling. Timmins has 440 kilometres of wide snowmobiling trails that draw crowds from across the country.
- Population: Timmins has a population of about 41,145 people
- City area: Timmins’ city limits span 3,210 km2.
- Busiest highways: Highway 101 is the busiest in Timmins, Ontario.
- Average commute distance:
- Time spent in traffic annually:
- Average number of collisions:
The Most Common Questions About Car Insurance in Timmins
How much does Timmins car insurance cost?
Timmins car insurance costs about $1,157 on average.
Why should you compare car insurance rates in Timmins?
You should compare car insurance rates in Timmins because each insurance provider has its own way of computing premium rates. The best way to find a good deal would be to compare rates across different providers.