Hamilton Auto Insurance Quotes
Making Insurance Friendly and Easier
Ontario auto insurance rates have ranked amongst the highest in all of Canada. Hamilton is seeing a resurgence as a great place to live and work. The downtown core is home to many amazing restaurants, nightlife, and colleges. As the population continues to grow and more jobs are popping up around the city, more people are driving in, to, and from Hamilton. Since there are more drivers on the road, insurance rates will likely increase year after year, which is why you need to work with us to ensure you have the insurance rates in the city.
It’s the law for Hamilton drivers to have car insurance. These policies must include third-party liability, uninsured car coverage, direct compensation property damage, and statutory accident benefits. However, many Hamilton drivers choose to add additional coverage to their plans as well for optimal coverage.
The isure insurance Advantage
isure hires only the best and most reputable Hamilton insurance brokers to get you the best quotes. Experience the isure insurance broker advantage:
We Fully Understand the Market
isure has been the top insurance choice for Ontarions 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 Hamilton citizens access the best insurance coverage available.
Your Needs are our Top Priority
We are real insurance brokers helping real, amazing Hamilton 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 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.
Access to the Best Insurance Providers
We have access to all of the best, well-respected insurance providers in all of Canada for you!
We Work, You Save
You can save hundreds of dollars on insurance when you work with our Hamilton insurance brokers. You can discuss your insurance needs with us and we’ll find the perfect coverage options and rates.
Why Trust isure as your Hamilton Insurance Broker?
If you live in Hamilton, there are a number of reasons why you need to contact an isure insurance broker. Here are some of the many advantages you will see when you work with us:
Allows you to save more money: If you want to lower your insurance rate and save money, Insurance brokers are the top solution. Our Hamilton 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.
Quotes that are easy to follow: If you try to find the best auto insurance quote by yourself, you will need to contact several insurers, which will take a lot of time out of your already busy schedule. When you hire an isure Hamilton insurance broker, they handle all of these details, including obtaining and comparing quotes from different insurers for you!
Our licenced insurance professionals always provide valuable information: 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.
isure and Hamilton Auto Insurance
At isure insurance, We provide auto insurance rates that will suit your needs. Our promise to you is to provide knowledgeable and transparent insurance expertise when you call us or get a quote online. We shop for the best auto insurance rates available for you to ensure you obtain the insurance you can count on. As Ontario’s leading insurance broker, our auto insurance rates in Hamilton can provide you with high-quality coverage, convenience, and personalized service that exceeds your expectations. When it comes to auto insurance in Hamilton, you are in the driver’s seat with isure insurance riding along with you!
How To Get An Auto Insurance Quote In Hamilton?
You have successfully passed your Ontario 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.
Finding the right insurance doesn’t have to be difficult. See how the isure difference can help you keep your driving peace of mind.
Why Choose isure As Your Hamilton Auto Insurance Broker?
We understand that there are a lot of options when it comes to auto insurance in Hamilton. 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 Hamilton Auto Insurance
What Factors Affect Hamilton Auto Insurance Rates?
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.
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 Hamilton often have a higher claim rate than rural parts. Urban residents can likely expect to pay a higher premium based on their postal code.
Why is car insurance so expensive in Hamilton?
The traffic volume in your area and the likelihood of theft and fraud are just some of the factors that will influence your car insurance rates in Hamilton. As traffic volume is so high on Highway 403, the QEW and other major roads, insurance rates are higher because there is a greater likelihood of accidents. Increased vehicle theft and fraud will also lead to higher costs, and your neighbourhood and postal code will also impact your insurance rate.
Which areas in Hamilton have the cheapest auto insurance rates?
Those who live in the Ancaster, Dundas, or Westdale areas will receive more affordable auto insurance rates. These neighbourhoods are in more affluent areas with a lower amount of daily traffic. Those who live in Stinson or the L8N postal code area will pay higher rates due to the heavy traffic along Main Street and King Street, as well as higher crime rates with low-income housing and rehab clinics. This area is more susceptible to a car theft and has even had prominent articles in the news related to this problem. For these reasons, insurance rates are a little higher with the risk of more car theft, accidents, or simply wear-and-tear within traffic-heavy areas.
How will living in Hamilton affect my car insurance rates?
Hamilton is an urban area, and this vibrant city has many growing communities, which means more cars on roads, highways, and streets. This increases the odds of car accidents, which plays a role in the rates you receive. Factors considered include theft, insurance claims, fraud and medical costs when calculating rates. Regardless of where you live, we will always provide you with the best possible rates.
Is there anything I can do to save money on Auto Insurance in Hamilton?
How does car insurance work in Hamilton?
This aspect is no different from other cities in the province, and all drivers in Hamilton must have a stated minimum amount of insurance coverage to drive legally. You can choose to add more to your policy if you require additional protection.
Is car insurance cheaper in Hamilton than it is in Toronto?
Yes. Even though auto insurance rates in Hamilton tend to be on the higher side, they are still cheaper when compared to the rates in Toronto and some other cities in the province.
Hamilton Collision Reporting and Claims Process
Car accidents happen for a number of reasons: bad weather conditions, distracted driving, faulty vehicles, and sometimes, poor signage. No matter the reason, there is always a protocol to follow after an accident. This is isure’s four-step plan following an accident in Hamilton:
1. Make sure no one is injured
Car accidents vary in severity, and you won’t be able to tell the level of injury without an inquiry. Your first priority is making sure no one is hurt. If any party is injured, call medical services immediately. You can proceed with other steps only after making sure everyone else is safe.
2. Photograph and document
Taking pictures while still on scene is a way to accurately document for both the insurance company and the collision center. There are four main things to document with photos and in writing:
- The damage
Take as many pictures of the damage on-scene as possible. This provides an illustration of the events and the aftermath of how they unfolded. This can also document what damage there is as a direct result of the accident.
Take note of the other person’s driver’s licence information. You need their licence number, name and address. You can also exchange contact information to keep in contact with regards to insurance proceedings and any other issues.
Take a photo or jot down the information of the other driver’s insurance details. You will want to get their policy number in case you can’t reach them in other ways.
- The conditions
Make note of all the collision conditions. Were the roads wet? Where did the accident take place, and at what time? Each of these pieces of information can help piece together information for both insurances, as well as city authorities.
3. Report over $2,000 to police
Not all damages need to be reported to the police the same way they need to be to the collision center. With that being said, any damages over $2,000 combined must be reported to authorities within the 24-hour window following the accident. Failure to do so could result in large fines and other serious repercussions.
4. Report to collision center
Your third step is to call a friend or taxi to take you to the collision center and a tow truck for your vehicle. You must report to the collision center so damage can be properly documented for records and insurance. You should refrain from driving your car after it has been hit; even in cases where you think the vehicle is fine, you may still be risking your own life and the lives of others if you continue to drive. In Hamilton, there are two different collision reporting centers:
2825 KING STREET EAST HAMILTON, ONTARIO L8G 1J6
Email: [email protected]
Hours: Monday – Friday 10 AM – 6 PM
400 Rymal Road East, HAMILTON – MOUNTAIN, L9B 1C2
Tel: (905) 385-2426
Fax: (905) 385-2567
Hours: Monday to Friday: 8:00 AM to 6:00 PM, Saturday & Sunday: 10:00 AM to 6:00 PM
What does insurance cover?
Following the process, you will be given funds from your insurer, if required. The funds you receive can cover repairs or reimbursements, rentals, tow trucks, taxis, and other costs. The exact coverage you receive depends on your policy and if you were deemed at fault.