Cheap Car Insurance Quotes Ottawa

You have successfully passed your driving test and you’re ready to hit the road with your brand new license. All you need now is an auto insurance plan that suits you and how you want to drive. It may feel like a daunting task at first as there are so many companies to choose from, with some offering lower prices for coverage than others. Some insurance companies might also offer competitive rates, but how do you know you are getting a quality product from a reputable source?

Look no further, because isure can get you the quote you need from companies you can trust. Working with a suite of quality insurers, isure will do the work of gathering quotes from each company to find the lowest cost for the plan that suits your needs. We work by the isure pledge to ensure that you are always taken care of, and that we work with your best interests in mind. Our dedicated insurance consultants will find you the best choice, and will only recommend moving you to another insurer if it works for you

There are many factors that go into the price of auto insurance. Your quote can fluctuate depending on if you require high risk insurance, or you can have a lower quote if you practice safe driving or if you bundle your policy, for example. Go-telematics is also an option for great drivers as it tracks how you drive (speed, braking, cornering, etc.) to determine your rate.

Ontario is notorious for having the highest auto insurance rates in Canada, but compared to other cities in the province, Ottawa is among the lowest. Other low auto interest rate cities include Kingston, Pembroke, Brockville, and Cornwall.

On the opposite side of the spectrum, the most expensive cities for auto insurance include Brampton, Toronto, Mississauga, and Scarborough.

With a professional insurance broker from isure by your side, we can help you find the best insurance rates for your needs.

If you’re a student or new driver in Ottawa, expect higher auto insurance rates—teenagers and young adults pay the most, with premiums peaking at age 16 and gradually dropping into the late 20s or early 30s. You may be able to lower costs by maintaining a strong GPA, staying listed as a secondary driver on a parent’s vehicle, or completing a certified driver’s education course.

isure makes finding affordable coverage easier. We compare quotes from trusted insurers to get you the best plan at the lowest rate. Guided by our pledge to put your needs first, our dedicated consultants only recommend switching providers when it benefits you. With isure, finding the right coverage is simple—helping you save money and drive with peace of mind.

In Ontario, the average insurance rate sits at around $1,500 per year. However, that average increases when you get to Ottawa. The average auto insurance premium in Ottawa sits much higher at around $1,900/year. Once again, that rate is higher when you enter postal codes like K1T (the Blossom Park neighbourhood) which houses some of the most expensive car insurance policies in Ottawa. 

Despite the high auto insurance costs, Ottawa’s K1B postal code has an average rate much lower than the city’s average at $1,460/year, a number much closer to the provincial average. 

You may be considered a high-risk driver if you have a number of driving infractions or have ever had your licence suspended. You may also be considered high-risk if you’ve gotten into more than one accident within a few years. Finding car insurance as a high-risk driver may be a more challenging task than others. Many typical insurance companies are wary of insuring high-risk drivers, but not isure! We are your brokerage that specializes in high-risk driving insurance, offering each driver a variety of policy options and rates from leading providers. 

As with any Ontarian insurance policy, your policy should cover accidents, liability, and theft. Accident coverage will cover repairs and damage costs if you get into an accident. Liability coverage can cover or subsidize the personal injury costs of anyone involved in an accident. Finally, if your car were to get stolen, your insurance can cover investigation and replacement costs. 

Yes, however, you might not see it right away. A paid traffic ticket on your driving record can have an effect on your car insurance rate the next time you renew your auto insurance. 

For more information, please check out this blog we created discussing speeding tickets and their effect on your Auto insurance.

If you’re searching for auto insurance in Ottawa, it’s important to understand the minimum coverage required in Ontario. Every driver must carry at least $200,000 in third-party liability insurance, along with Accident Benefits,Direct Compensation-Property Damage (DCPD), and Uninsured Automobile Coverage. These policies help protect you from medical expenses, vehicle damage, property loss, and accidents involving uninsured drivers. Many Ottawa drivers choose higher coverage limits for added financial security.

The type of car you drive plays a significant role in determining your Ottawa auto insurance rates. Some of the most affordable vehicles to insure include the Honda CR-V LX, Jeep Wrangler JL Sport, and Subaru Crosstrek. These cars are known for their strong safety ratings and low repair costs, making them cheaper to insure. Check out our blog for a full breakdown of the cheapest cars to insure in Ontario.

G2 drivers in Ottawa typically pay between $1,700 and $5,000 per year for car insurance, depending on factors like age, driving history, and insurance provider. Because G2 drivers are considered higher-risk, their premiums tend to be higher than those of fully licensed (G) drivers. One way to reduce auto insurance costs in Ottawa is to add a G2 driver as a secondary driver under a parent or guardian’s policy. Read our blog for a detailed breakdown of Ottawa auto insurance rates for G2 drivers.

New drivers in Ottawa can lower their car insurance premiums by completing a defensive driving course, being added as a secondary driver on a parent or guardian’s vehicle, and applying for student discounts offered by many Ottawa car insurance providers. Taking these steps can help young drivers in Ottawa save significantly on their auto insurance.

You should review your car insurance rates in Ottawa after major life changes such as moving, getting married, receiving a traffic ticket, being involved in an accident, adding a new driver to your policy, or completing a defensive driving course. These events can all affect your insurance premiums, and checking your rates regularly can help ensure you’re getting the best deal available in Ottawa.

Accidents can range from minor to fatal. To manage the severity of injuries, call for medical help, even if injuries are minor. You should make sure no one involved was hurt before you proceed with any of the next steps. 

Photos and notes are the best way to record information following a car accident. You need to note and photograph quite a bit of information, so we’ve made it easy for you by outlining exactly what you need:

• Take pictures of all damages to both your car and the other person’s car. Making sure you have all the photos is important in preventing insurance fraud and ensuring you get the right compensation. Make note of license plates, car makes, years and models. 

• Take a picture or note the other driver’s license number, plate number, their name and address. A quick way to do this is by asking to take a picture of their license. Exchange contact information and make sure there is a line of contact between you and the other driver for future communications. 

• Insurance is the next item to take account of. Take a photo of the other car’s insurance slip as a way to communicate with the other party should other means of communication fail. 

• Finally note the location, weather, and road conditions. Each of these are important to your specific accident, but may also serve as a warning to the city for other potential accidents. 

Once you have completed the on-scene work, it’s time to call a tow truck for your car and a taxi to a collision centre. Driving your vehicle following an accident is dangerous to both you and other drivers on the road. Avoid even more issues by calling a tow truck to the mechanic. You, on the other hand, need to get to a collision reporting centre to report your accident and get on with the insurance process. In Ottawa, there are three main collision centres you can visit; one in the west, one downtown, and one in the east. 

West: 211 Huntmar Drive, Kanata 

Downtown: 474 Elgin Street 

East: 3343 St. Joseph Boulevard, Orleans 

https://www.ottawapolice.ca/en/news-and-community/Collision-Reporting-Centres.aspx 

Hours for each location: Seven days a week from 8 am to 6 pm 

Finally, to determine if the police need to be involved, total up the cost of damages for the entire accident. If the damages exceed $2000, you must involve the police, by law. Sometimes it’s easy to tell when police need to be called on the scene, but other times, you may need a mechanic’s estimate.