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Car insurance in Brantford.
Searching for affordable auto coverage in Brantford? Ontario car insurance is among the most costly in Canada. This makes comparison shopping essential if you want to get the lowest rates available.
Fortunately, DirectRate.ca can ease the process for you. Our free, online quote tool lets you quickly compare rates from all the top insurance providers in Brantford.
Our licensed brokers will work with you to customize your policy, so you pay for only the coverage you need. They’ll help you take advantage of any discounts you qualify for, too.
To find the lowest car insurance rates in Brantford hassle-free, get no-obligation quotes today from the 10+ best insurance providers in the country.
How does it work?
Why use DirectRate.ca?
We’ve helped thousands of drivers across Canada save millions of dollars on their auto insurance.
We make comparing rates simple — we gather quotes from all the best insurers in one place.
Our licensed brokers are insurance industry experts. They’ll work one-on-one with you to customize your auto policy so you get all the coverage you need and nothing you don’t.
Our recommendations are 100% free.
Get a free quote today.
It’s fast, free, and help is just a call away.
What you’ll need to get an online car insurance quote.
To use our free, online quote tool for auto insurance in Brantford, you’ll need:
- A current driver’s licence and information about your driving record.
- Details about the vehicle you want to insure.
- A phone to speak with one of our licenced brokers.
There’s no obligation to buy anything when you use our service. We’re here to help you navigate the insurance market — we know it can be confusing. Our licensed insurance brokers are happy to answer any questions.
We’re committed to helping you find the best car insurance in Brantford for the lowest possible rate.
In fact, we’re so confident we can help you find cheaper car insurance in Brantford that our quotes and advice are all completely free.
Required car insurance coverage in Brantford.
Ontario law requires all drivers to have auto insurance. Certain types and levels of coverage are required by law, but insurance companies also offer optional insurance beyond that. Many drivers prefer to have a greater level of protection against some of the financial risks of owning and driving a vehicle.
Here is the insurance coverage required for Ontario drivers, according to the Financial Services Commission of Ontario:
Accident benefits insurance.
- This type of insurance covers costs if you’re injured in an accident, including medical expenses and income replacement if you can’t work. It doesn’t matter who caused the accident. “Statutory” accident benefits coverage refers to the minimum coverage required under the law. Many drivers prefer additional coverage beyond that.
Direct compensation-property damage (DCPD) insurance.
- This type of coverage kicks in if you’re in an accident involving another vehicle and another person (the other driver, for instance) is found to be at fault. Your insurance company will cover damage to your car and property inside it, and the loss of use of those items.
- It’s important to note that this coverage only applies if the accident happens in Ontario and the other vehicle has Ontario-licensed insurance, or their insurance provider has made an agreement with the Ontario government to provide this coverage. These exceptions are a reason many drivers opt for collision coverage, too — it provides more thorough protection for vehicle accidents. This gives many drivers greater peace of mind when they’re on the roads.
- Speak with a licensed broker at DirectRate.ca to figure out what sort of coverage makes the most sense for you and how you use your vehicle.
- Our quotes are free and no-obligation. A broker will answer all your questions and make recommendations on how you can save. Give us a call today to start saving: 1-855-754-0350.
Third-party liability insurance.
- This protects you from expenses if someone is injured or killed or their property is damaged in an accident. If someone brings a lawsuit against you, this type of insurance will pay claims up to the covered amount.
- The minimum liability coverage required by law is $200,000, but many consumers prefer a higher level of protection.
Uninsured vehicle insurance.
- This kind of coverage protects you if you’re in an accident with an uninsured or hit-and-run motorist.
How to save on automobile insurance in Brantford.
By shopping around and comparing quotes and policies, you’re already on the path to saving money on your car insurance.
Auto insurance companies each have slight variations in rates. But, there are some common factors that most insurance providers take into account when calculating your premium. Knowing them can make you a savvy shopper and provide valuable insights before you decide on a policy.
Here are the main factors that can impact your car insurance costs, and some tips for lowering your rate:
Add anti-theft features.
Features and equipment that prevent theft like an alarm system, steering wheel lock or GPS tracker may earn you a discount from your car insurance provider. Each insurance company’s standards and discounts differ, so be sure to ask about the exact requirements and discount amounts if you’re planning to invest in a new device.
Bundle insurance policies.
Combining multiple insurance products from the same company is called “bundling,” and it can save you a bundle on your premiums. If you need home, condo or tenant insurance along with your Brantford auto coverage, check what discounts are available if you work with the same company for all of these insurance needs.
Buy the right car.
The make and model of your vehicle will be major factors in your insurance cost. These elements factor into your insurance company’s premiums in a few different ways.
Your car’s value is a big factor. Newer, more luxurious vehicles or ones with custom trim and luxury features are generally more expensive to insure than used cars and older models with more basic features.
Your vehicle’s safety performance is also important. The Insurance Bureau of Canada collects data on claims filed each year for different makes and models of cars. This can be a helpful reference when it comes time to buy a vehicle, if you want to purchase a car with a better performance history. Crash-test ratings are another good reference.
Additional factors insurers weigh related to the type of vehicle you drive are the likelihood of theft and the cost of repairs. If your type of vehicle is a common target for thieves, or replacement parts are hard to find or expensive, your insurance company will probably charge you more to cover it.
Finally, cars with less powerful engines are typically less expensive to insure.
Cut excess coverage.
It’s important to know what types and levels of coverage are included in an auto insurance policy before you buy. Ask the insurance agent or broker what choices you can make to lower your costs.
Some auto insurers pre-package insurance products to include coverage you might not really need. These might be things like emergency roadside assistance, no-deductible glass coverage, or transportation replacement coverage, to pay for a rental vehicle or public transit expenses if your car is damaged in an accident or stolen.
While these types of coverage sound helpful, consider them carefully. It may be cheaper to just cover these expenses yourself if needed than to add this cost to your premium on an ongoing basis.
In addition, if you’re comfortable with a higher insurance deductible, raising it can often lower your premiums.
Finally, consider your need for comprehensive and collision coverage. These higher levels of coverage typically make sense if your car is brand new. However, if your car is more than five years old or has high mileage, its value is diminished. This means your payout from covered damage would be lower, too — so continuing to pay for this level of coverage might not be worth it.
You should think of your driving record as a financial asset. In addition to keeping you and others on the road safe, your clean driving history also pays off in lower insurance premiums.
You know the basics: never drive while intoxicated. Obey speed limits and traffic signals. And keep your full attention on the road at all times.
The more experienced you are as a driver, the less of a risk you pose — to everyone using the roads, and to your insurance company’s bottom line. This is why more experienced drivers generally have lower insurance costs than inexperienced ones.
Having a well-established and positive insurance history will also help prove you’re a safe bet to auto insurers.
Know how age and gender factor in.
Some factors that insurance companies use to calculate your premiums are outside your control. Driver age and gender are examples of this. Drivers that are younger and male tend to produce more insurance claims than those who are older and female. Insurers’ premiums reflect those differences. Because these factors are out of your hands, it’s smart to take advantage of the areas where you can make a difference in your auto insurance rate, like driving responsibly to avoid accidents.
Where you live and drive most often will play a big role in your insurance costs. Cities or metropolitan regions with heavy traffic have a higher rate of claims, and insurance companies adjust their premiums accordingly.
Even within the same city, insurance costs can vary by neighborhood. Local pockets with higher criminal activity can lead to a greater incidence of claims for vandalism or theft.
Make comparing rates a habit.
Just because your Brantford vehicle insurance policy was a great deal when you signed up for it doesn’t mean it still is a few years down the road. To be sure you’re getting the lowest rate on the market today, you need to make a habit of comparing rates from different insurers.
Your policy renewal date or a certain time you choose each year can serve as a moment to check in on your insurance costs. Take this opportunity to request quotes from several competing insurance companies. It’s good financial hygiene — and the only way to ensure you’re getting the cheapest Brantford car insurance on the market.
Own rather than lease.
Vehicle lease agreements often require you to carry comprehensive and collision coverage. These types of coverage go beyond what’s legally required for drivers in Ontario, but since the leasing company owns the car, they can dictate the level of coverage you have to have to do business with them. When you own your own vehicle, you have more choice about what type and level of coverage to buy. Many drivers with newer vehicles do choose to carry comprehensive and collision coverage. But if you own an older vehicle, you might feel comfortable dropping these types of coverage and saving on your insurance premiums.
Your regular parking location can impact your car insurance rate. When you request a quote, insurance companies often ask if you have a protected, private parking spot or if you park your car on a public street. Street parking can leave your vehicle more exposed to potential damage, from other autos, vandalism, thieves, harsh weather like hail and even falling objects. Having a secure, indoor parking location is ideal if you want to get the lowest car insurance rates.
Reduce your mileage.
The more you drive, the more likely you are to get into accidents. Insurance companies prefer drivers who use their vehicles less often and drive shorter distances.
Consider whether you might be able to get to work without using your car. Is it possible to take transit or ride a bicycle instead? Maybe you work from home already.
Either way, talk to your insurer or a broker about discounts available if you use your car mainly for “pleasure” trips (think weekend activities, rather than regular commuting).
Take a class.
Many insurance companies offer discounts if you complete a driver education course. More importantly, a defensive driving course can improve your driving. And more responsible driving habits means a better record, fewer insurance claims and lower premiums.
Use winter tires.
Winter tires offer more grip on slushy and icy roads, so they can help prevent accidents and head off expensive insurance claims. For these reasons, many insurers offer discounts to drivers who use winter tires every year.
Ready to start saving?
DirectRate.ca can help you navigate all the ins and outs of car insurance coverage in Brantford, Ontario. A licensed broker will work with you individually to make sure you get a policy that meets your needs at the lowest rate on the market. Give us a call today: 1-855-754-0350.
Frequently Asked Questions about car insurance in Brantford.
- Comparison shopping is the crucial first step for getting the best car insurance in Brantford for the lowest rate.
- We’ve shopped around so you don’t have to. Use our free, online tool to discover quotes for car insurance in Brantford from the 10+ leading insurance providers in the country.
- To bring down your rate further, we recommend that you work one-on-one with one of our licensed brokers to customize your policy.
- We’ve helped thousands of Canadians save millions on their insurance costs.
- A broker will provide free recommendations on how you can reduce your rate, looking at what sort of coverage makes the most sense for you and how you use your car.
- For example, if you have an older vehicle that you only use to run errands on the weekend, you may not need the same sort of coverage you would if you’re commuting everyday for work.
- A licensed broker at DirectRate.ca will review all the options with you and help you secure the best coverage at the lowest rate.
- There’s no single provider that offers the best rates for car insurance in Brantford. Instead, rates are determined based on a range of factors. While location is certainly an important one, there are many others that have an equal or greater impact.
- For example, your age, gender, driving record and insurance claims history affect your rate significantly. The coverage you purchase as well as the other types of insurance products you have are also an influence.
- Work with a licensed broker to figure out what sort of policy makes the most sense for you. Start with a quote and then give us a call: 1-855-754-0350.
- Absolutely. Shopping for insurance online is 100% safe. It’s also convenient.
- DirectRate.ca has a lot of information about how insurance car insurance rates are determined. If you don’t have time to review it, no problem, we have licensed brokers easily available to review your options with you.
- They have the experience and expertise to make sure you get the best coverage at the lowest rate.
- Give us a call today, our recommendations are 100% free: 1-855-754-0350.