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Best Auto Insurance rates in Brantford
Out of all the Provinces and Territories in Canada, Ontario ranks highest for auto insurance rates. With that said, not every city in Ontario comes with pricey auto insurance rates. Known as the “Telephone City” where Alexander Graham Bell invented the telephone, Brantford has grown over the years to be a hotspot for growing families. With Many museums to explore and festivals to attend all year round, Brantford has something for everyone to enjoy.
If you live and drive in Brantford, It’s the law to have car insurance. When you purchase auto insurance, the policy must include uninsured car coverage, third-party liability, direct compensation property damage, and statutory accident benefits.
Why Trust isure as your Brantford Insurance Broker?
There are a number of reasons for Barrie citizens to contact an isure insurance broker. Some of the key advantages of working with an isure insurance broker include:
Save More Money
Insurance brokers are the top solution to lower your insurance rates and save you money. Our Barrie insurance brokers have access to several insurance providers, premiums, coverage types and they will help you find the most affordable quotes for you based on the information you provide.
Valuable Information from a Licensed Insurance Professional
Navigating insurance can be extremely difficult if you have little to no experience. Hiring a licensed, knowledgeable and experienced insurance broker can provide you with all of the important guidance you need to make the right insurance decisions.
Easy To Follow Quotes
Contacting several insurers for rates can take a lot of time. When you hire an isure Barrie insurance broker, they handle all of these details, including obtaining quotes from different insurers for you!
The isure insurance Advantage
isure hires only the best and most reputable Brantford insurance brokers to get you the best quotes. Experience the isure insurance broker advantage:
We Work, You Save
You can save hundreds of dollars on insurance when you work with our Brantford insurance brokers. You can discuss your insurance needs with us and we’ll find the perfect coverage options and rates.
Gain Unbiased Advice
We guarantee honest, unbiased advice about the insurance quotes we obtain for you and all details that accompany it. We will always search and locate the coverage that is best suited to your needs.
Your Needs are our Top Priority
We are real insurance brokers helping real, amazing Brantford citizens. Each of our clients are assigned to a dedicated insurance broker that advocates for their needs when dealing with insurance providers. We handle all claims, quotes, inquiries, updates and more.
We Fully Understand the Market
isure has been the top insurance choice for Ontarians since 2006. We are also one of Canada’s most progressive, reputable insurance brokers with real people that live for insurance! We’re committed to helping Brantford citizens access the best insurance coverage available.
We are Fully Licensed
We are registered under the Registered Insurance Brokers of Ontario (RIBO) to ensure your safety and that you are in good hands.
Why Choose isure As Your Brantford Auto Insurance Broker?
We understand that there are a lot of options when it comes to auto insurance in Brantford. Sometimes getting a quote from a company can feel like an obligation, rather than what it’s supposed to be: information to help you make an informed decision. This is one of the greatest reasons to use an insurance broker, as they have a suite of trusted insurers they work with to find you the best rate for your auto insurance. Their advice is independent of the companies they represent, and are professionally regulated by the Registered Insurance Brokers of Ontario (RIBO).
When selecting your broker, isure stands out for a reason. Have a look at the chart below to see what makes isure a broker of choice. We stand by our isure pledge to ensure you receive the care you deserve, because we know you’re not just another number in the system. We work with a large suite of approved insurance providers to give you the best opportunity at finding your lowest quote with a brand you can trust.
When you choose isure, you are choosing the broker that puts you first. See why more people place their trust in isure every day and talk with one of our dedicated insurance professionals today.
FAQs About Brantford Auto Insurance
isure can help you compare auto insurance rates in Brantford to help you find the best policy for you. You can save hundreds of dollars each year!
A lot of Brantford residents use their cars every day for their commute. The bad news is that Ontario car insurance rates can be one of the most expensive rates in the country.
Simply use your postal code to begin the search.
What are the factors that affect auto insurance in Brantford?
Type of Vehicle: The year, make and model of your vehicle will be used by auto insurance companies when they calculate the premium.
How You Use The Vehicle: The way you drive your vehicle, how often and your driving habits can all play a role in your insurance rate.
Your Postal Code The more populated, urban areas in Brantford often have a higher claim rate than rural parts. Urban residents can likely expect to pay a higher premium based on their postal code.
Your Age: Drivers with more experience on the road often pay much lower auto insurance premiums than newer and younger drivers.
Your Vehicle: Aside from the make, model, and year of your vehicle, frequency of theft and safety rating. Certain types of vehicles tend to be a higher risk, as they are shown to be involved in more accidents than others.
Your Age And Sex: It generally follows that older people have had more years of opportunity to learn proper driving habits. Men under 25 are also statistically more prone to crashes than women of the same age, and generally receive higher premiums, but generally evens out after turning 25 years old.
Distance Travelled: The more you’re on the road, the more likely you are to get in an accident. Those who drive more will pay more than those who commute less often.
Your Driving History: If you have had a lot of traffic tickets or major accidents in your time, auto insurance will be much more expensive for you when compared to others with a clean driving record.
Is it possible to lower the cost of your car insurance in Brantford?
Purchase and Install Anti-theft Devices:If you have anything that prevents theft or vandalism to your vehicle, it can lower your insurance premium.
Purchase and Use Winter Tires: The winters in Brantford can be unbearing, especially when you need to drive to work in the snow every day! Not only is it important for your safety to have winter tires installed during the snowy months, but you are often eligible for discounts on insurance premiums when your car has winter tires.
Which Brantford postal code has the highest average premiums?
Your postal code plays a vital role in determining your auto insurance premiums. According to our data, the postal code that will pay the highest in car insurance premiums is the N3T area. This includes the neighbourhoods around downtown Brantford, such as Brant, Brantford, Mount Vernon, Onondaga, Langford, Burtch, Tutela Heights, Osborne Corners and Newport.
Which Brantford postal code has the lowest average premiums?
According to our data, the Brantford postal code that pays the least for car insurance premiums is the N3P region, located in the northeast area. It includes Powerline Road, Lynden Road and Wayne Gretzky Parkway.
How do Brantford car insurance rates compare to other cities in Ontario?
According to our data and findings, drivers in Brantford will pay less for insurance than in the following surrounding areas:
- Caledonia insurance rates are 4% higher
- Cambridge insurance rates are 15% higher
- And Hamilton insurance rates are 38% higher
Other tips on reducing car insurance costs in Brantford
Below are some tips that you should know if you plan on getting car insurance in Brantford.
There is a Wilfrid Laurier University campus located in Brantford. If you plan to attend Laurier while you live in Brantford and have a vehicle, let your isure broker know. You might be able to save some money on your car insurance rates. Many insurance providers also offer discounts to students who have a strong GPA.
Newer drivers will be able to lower their car insurance rates on renewal if they also sign up for a telematics program. This is when you allow your insurance company to monitor your driving habits through an application, usually with your smartphone.
Many younger families are attracted to Brantford. So if you own a home in Brantford, you should bundle your home and auto policies to receive discounts.
Brantford is full of hikers and pedestrians who explore the trails and outdoor areas, so you should be extra careful when driving. Getting into an accident involving a pedestrian will result in fines and criminal charges. Both will raise your auto insurance premium considerably.
If you live in Brantford and need the absolute best options for your car insurance, isure can help you find the lowest premiums. We shop your car rates across the most extensive range of insurers with a guilt-free quoting process. Get the insurance coverage, personal care and customer attention you deserve today by calling our team: 1-877-514-7873.
Brantford Collision Reporting and Claims Process
Car accidents are never intended, but still happen and can be a headache to deal with. Determining what to do after you get into a car accident in Brantford shouldn’t be hard. That’s why isure created a clear guide to dealing with accidents, designed to prepare you for when and if they happen:
1. Make sure no one is hurt
No matter how bad the damage to either vehicle is after an accident, your priority should be the health and safety of you and the other driver/passengers. If anyone is hurt, even minorly, call for medical attention. It is much better to be safe than sorry! Once you have called for medical help or if no one was injured, you can proceed to step two: Documentation.
2. Document the accident
There are a number of things to document following an accident. Taking down as much detail as possible can make the insurance and collision reporting process much easier.
Be sure to take pictures of any damage that has resulted from the accident. No matter how big or small, get images from far away, up close and all other angles. You should also take images of all vehicles involved, sharing these images with the other driver, as well. Note the involved vehicle makes, models and years.
Ask to take a photo of the other driver’s licence. This is a quick way to note the involved party’s name, address, and license number. You should also exchange contact information to make the insurance and communication process more simple.
Snap a reference photo of their insurance slip to solidify a contact just in case they become uncooperative or unresponsive. This way, you know you won’t be left stranded.
Document the outdoor weather and road conditions at the time of the accident. You can do this with pictures, videos or words. Make note of the time and location as well.
3. Report to collision centre
Now that you have documented the personal information that you need, you can call for a tow truck and a ride to the collision centre. It is not recommended that you drive your vehicle following any level of car accident, just in case there is invisible damage to the vehicle. While you head down to the collision reporting centre, a tow truck can transport your vehicle to a mechanic to diagnose and repair.
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Tel: (519) 752-2002
Fax: (519) 752-7910
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4. Call police if need be
Make sure you find out how much total repairs for the accident will cost. You and the other driver need to communicate this information because if the total exceeds $2,000, the police will need to be involved.
What your insurance will cover
You have car insurance to cover repair costs, but each person’s policy is different and may cover different amounts and scenarios. If you have a deductible, you need to pay that and the insurance company will pay the difference. If the accident was not your fault, you could be entitled to compensation for your tow truck, taxi, and/or rental expenses. Speak with an isure broker to see what your policy covers! Remember, your claims agent will be walking you through any other questions you may have.
Save when you bundle your home and auto insurance
Lower your insurance rate and save money
How Much Should I Expect to Pay For Auto Insurance in Brantford?
There are many factors that go into the price of auto insurance in Brantford. 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.
How To Get An Auto Insurance Quote In Brantford?
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 in Brantford will find you the best choice, and will only recommend moving you to another insurer if it works for you.
Finding the right insurance doesn’t have to be difficult. See how the isure difference can help you keep your driving peace of mind.