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Cheaper car insurance in Sudbury
Sudbury has a relatively smaller population than major city centres in Canada. And with less people, comes fewer cars fighting for their spot on the road. Thus, less accidents occur, and residents of Sudbury might be enjoying cheaper car insurance rates than residents in, let's say, Toronto or Vancouver. But who's to say that you can't save even more on your insurance? At Kanetix.ca, we compare rates from over 50 insurance providers with our rate comparison tool. Not only is it free, it's simple and secure. Compare rates today and see how much you could be saving with another company!
It's hard to tell if you're getting a good deal
This is probably why over half of Ontario drivers (52%) automatically renew their policies. But this also means that many drivers in Ontario are missing a great opportunity to lower their rate.
Rates change often. The Financial Services Commission of Ontario (FSCO) reviews, approves and publishes rate changes every three months. Just because you got a great rate last year doesn't mean that it's still the lowest rate available. We know that it's hard to keep track of rate changes though, so we made it easy with the Kanetix.ca Car Insurance Rate Tracker. Never miss an opportunity to lower your insurance rate again!
Auto Insurance Rates from Real Drivers
What your auto policy covers:
- Accident benefits: Covers the people in a vehicle in the event of injury. Coverage can include medical and rehabilitation costs, funeral expenses, death benefits, as well as income replacement. As of June 2016, there have been some changes to general Accident Benefits. Learn more about the changes.
- Third party liability: Coverage that pays for legal claims against the policyholder in the event that they are responsible (whether wholly or partially) for a collision that causes injury or damage to a third party. The minimum coverage requirement is $200,000 although most drivers commonly choose policies with at least $1 million in coverage.
- Direct compensation - Property damage (DCPD): This provides coverage for physical damage to your car and any property inside the car as a result of an accident in which you are not-at-fault.
- Uninsured motorist coverage: This component of the standard Ontario auto insurance policy provides coverage for you and your family if you are in an accident with a hit-and-run driver or a driver who is not insured and you are injured or killed.
- Collision: This covers damage to your vehicle as a result of impact or a collision with another vehicle or object, even if the collision was your fault.
- Comprehensive: This insures your car against damage caused by events like theft and vandalism.
Both of these optional coverages typically come with a deductible. A deductible is the portion of an insurance claim you agree, to pay and it factors into how your auto insurance rates are calculated. The higher the deductible, the lower your rate.
What determines the rate you pay for car insurance in Sudbury?
When applying for new auto insurance policy or renewing an existing one, your car insurance rate depends on different factors, including the following:
- Where you live: If you live in a high traffic area with more road congestion, be prepared to pay more for your coverage. Living further away from busy roads on the other hand, will likely mean you'll pay less for your coverage.
- Your commute: The shorter your drive to work, the lower your premiums will be. Having a long commute means you're on the road for a longer period of time, increasing your risk of an accident in the eyes of insurance companies.
- Your driving history: All tickets, accidents, charges, and infractions are taken into consideration when determining if you're an "at-risk" driver. A clean driving record generally means a lower premium.
- The car you drive: Your vehicle model and year are used to calculate rates as safety ratings, theft rates and repair costs fluctuate from car to car.
Shopping for a new vehicle? Before you buy, consider the cost of insurance. We offer a great tool that can help compare car insurance quotes for multiple vehicles, side by side.
Additional ways to lower your rate
Insurers may offer you a discount if you belong to a certain group, association, or university, or if you're enrolled in a roadside assistance program. Always ask your insurer about appropriate discounts you might be eligible for. You may end up saving more than you expect!
Sudbury drivers know that winter roads can be hard to navigate, especially when it's slippery and there's poor visibility all around. One way to make life easier (and more safe) is by installing winter tires on your car. Ontario drivers can save up to five per cent on their premiums during the winter if they install four winter tires in November and leave them on until April.
Ensure you're getting the best price for your coverage by comparing rates regularly. As life changes, your rates may change too. Key times to shop around for cheaper insurance include:
- when it's time to renew your policy
- when you get married or divorced
- when you move
- when you change jobs
- when you buy a new car
- when you add drivers to your policy (like a teenaged child)
- when you get into a collision
- when you receive a ticket
Not ready to shop for insurance today?Set a renewal reminder and we'll let you know when it's time to save.
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