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Best Auto Insurance rates in Mississauga
Out of all provinces in Canada, Ontario auto insurance rates have ranked amongst the highest. As Mississauga is the second most populated city within the GTA, there are many people driving in and out of the city every day for work or leisure.
If you live and drive in Mississauga, 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. When it comes to auto insurance in Mississauga, you are in the driver’s seat with isure insurance riding along with you! Our professional insurance brokers provide the most affordable auto insurance rates you will find in Mississauga. Our promise to you is to provide knowledgeable and transparent insurance expertise every time you call us or when you get a quote online. We shop for the best auto insurance rates available for you to ensure you obtain insurance you can count on. As Ontario’s leading insurance broker, our auto insurance rates in Mississauga can provide you with high-quality coverage, convenience, and personalized service that exceeds your expectations.
Why Trust isure as your Mississauga Insurance Broker
If you live in Mississauga, 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:
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.
Allows you to save more money
If you want to lower your insurance rate and save money, Insurance brokers are the top solution. Our Mississauga 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 Mississauga insurance broker, they handle all of these details, including obtaining and comparing quotes from different insurers for you!
THE ISURE INSURANCE ADVANTAGE
isure hires only the best and most reputable Mississauga insurance brokers to get you the best quotes. Experience the isure insurance broker advantage:
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.
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.
Access to the Best Insurance Providers
We have access to all of the best, well-respected insurance providers in all of Canada for you!
Your Needs are our Top Priority
We are real insurance brokers helping real, amazing Mississauga 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 Work, You Save
You can save hundreds of dollars on insurance when you work with our Mississauga insurance brokers. You can discuss your insurance needs with us and we’ll find the perfect coverage options and rates.
We Have Coverage For All Your Insurance Needs
Our insurance brokers get Mississauga residents quotes for home, commercial, auto, life, travel and more.
Why Choose isure As Your Mississauga Auto Insurance Broker?
We understand that there are a lot of options when it comes to auto insurance in Mississauga. 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.
FAQS ABOUT MISSISSAUGA AUTO INSURANCE
What are the factors that affect auto insurance in Mississauga?
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 Mississauga 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 Mississauga?
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 Mississauga 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 Mississauga postal code has the highest auto insurance rates?
Auto insurance in Ontario is relatively high, but how does Mississauga compare? Mississauga is Canada’s 6th most populated city and spans just shy of 300km-squared. Where you live in the city can affect the amount of money you pay for your vehicle insurance. The city consists of 20 neighbourhoods and has over 400 postal codes.
- Eastern most part of Mississauga
- Major intersections – Bloor and Tomken, Bloor and Dixie
- Located in west Mississauga
- Major intersection – Britannia Rd W and Winston Churchill Blvd
- Located just south of the QEW
- Located in south Mississauga, just north of the QEW
- Major intersection – Queensway W and Hurontario St
- Landmarks – Trillium Hospital, Stillmeadow Park
- Small suburban area located at Rathburn and Mavis
- Located in north Mississauga
- Major intersection – Eglinton and Creditview
- Landmarks – Heartland Town Centre
- Located in central Mississauga
- Major intersection – Dundas St W and Glengarry
- Landmarks – University of Toronto-Mississauga campus
- One of the biggest neighbourhoods in Mississauga
- Located in west Mississauga
- Major intersections – Eglinton Ave W and Winston Churchill Blvd, Eglinton Ave W and Erin Mills Pkwy
- Landmarks – Erin Mills Town Centre, Credit Valley Hospital
- Small neighbourhood located between Cooksville and the City Centre
- Major intersection – Dundas and Hurontario
- One of the bigger neighbourhoods in Mississauga
- Major intersection – Eglinton and Hurontario
- A scenic neighbourhood along the lakeshore
- Major intersection – Lakeshore and Dixie
- Located in northwest Mississauga
- Major intersection – Derry and Tenth Line
- Landmarks – Osprey Marsh, Lisgar Fields
- Located in northeast Mississauga
- Major intersection – Derry and Airport Road
- Landmarks – Toronto Pearson International Airport
- Located in northwest Mississauga
- Major intersection – Derry and Mavis
- Landmark – Meadowvale Conservation Area
- Located on the south side of Mississauga on Hurontario Street
- Small neighbourhood in the centre of Mississauga
- Major intersection – Central Pkwy and Bloor
- Landmarks – Close to Square One
- Southern most neighbourhood in Mississauga
- Major intersection – Lakeshore and Hurontario
- Landmarks – JC Saddington Park, Port Credit Lighthouse
- Located in east Mississauga
- Major intersection – Rathburn and Dixie
- Located in southwest Mississauga
- Major intersection – N Sheridan Way and Erin Mills Pkwy
- Located in northwest Mississauga
- Major intersection – Queen Street South and Britannia
Out of the 400 postal codes, the most expensive car insurance can be found near Square One, with the three most expensive postal codes being:
- L5B 2G6
- L5B 3C1
- L5B 3C9
Which Mississauga postal code has the lowest average premiums?
Areas in Mississauga with lower premiums include Lorne Park and Port Credit. Both cities have relatively lower claim levels in comparison to other areas of the city.
Why is auto insurance so expensive in Mississauga?
Insurance rates change based on the frequency of claims made by drivers in that area. The higher the number of claims, the more you will end up paying in insurance. Factors like population also contribute to insurance costs. Seeing as Mississauga has a dense population, it is to be expected that insurance rates would be relatively higher.
What’s the best auto insurance in Mississauga?
There is no definitive answer to the question of what is the best insurance. Depending on your own personal circumstances and driving habits, you will benefit from a different policy and provider. Your best option is to find an insurance broker (like isure) with access to a variety of different insurance rates from numerous providers.
How can I get an insurance quote?
Getting an accurate insurance quote is only a few small steps away! Get started by making a single phone call to isure at 1-877-514-7873 or fill out the form below.
Mississauga Collision Reporting and Claims Process
Getting into a car accident can be scary. Your insurance broker at isure aims to make the process that follows an accident easier with this complete guide. There are four main steps to follow after an accident in Mississauga occurs:
1. Make sure no one is injured
If you observe any potential injury to either you or another passenger/driver, call 911 immediately. It is essential to provide any medical attention to those who need it before proceeding with any of these post-collision protocols.
Once you are sure that there are no injuries or that all the injuries have been taken care of, you can begin to document essential information prior to visiting a collision center.
Take photos of the damages to both vehicles. By taking pictures at the scene of the accident, you are making a note of what is damaged, as well as what remains intact. This can help prevent insurance fraud because this way, there is proof of damage severity.
Make sure you have the name, contact number, and license number of the other parties involved in the accident. A good way to get all of this information is by taking a picture of their driver’s license. Having a photo of the other person’s license will prove that they have their license and that you both remained on-scene following the crash.
Take a photo of the other driver’s insurance coverage. This way, you can sustain a reliable communication channel, regardless of whether the person refuses to cooperate. By offering a photo of your insurance as well, you prove that you are insured and can cover damage costs to your own vehicle.
Next, it is time to make note of specific details at the time of the accident. Where the accident happened, what time, and what the weather and road conditions were like are all valuable pieces of information.
3. File a police report if damages are over $2,000
You need to involve the authorities if damages for the accident total more than $2,000. This is partially why communication between parties is so important.
4. Report to a collision center
Your next step is to head to a collision center to file a report that will then lead to filing an insurance claim. You should not drive your car that has just been in an accident to the collision center. Why? Because there may be invisible issues wrong with the car. You will not be able to determine if there is any damage before you get it checked out by a mechanic so instead, call a tow truck driver to bring your car to the reporting center and contact a friend or family member to drive you. The collision center will want you to have all the information from the accident before you can accurately report it; they will also need to physically see the damage to your vehicle.
There are two collision centers in Mississauga:
4600 Dixie Road, south of Eglinton
3030 Erin Mills Parkway, near Dundas St. West
What insurance covers:
Insurance coverage will depend on if you are at fault and what your policy specifications are. You should be familiar with your policy before you get into an accident. Typically, repairs, replacements, and rentals are covered. Some policies can cover tow trucks and taxis, as well! If you need help determining what is covered, speak with your isure broker today to go through your policy details.
Save when you bundle your home and auto insurance
Lower your insurance rate and save money
5 Worst Intersections in Mississauga
Peel Region Intersection Collisions During the Day
Peel Region’s Intersection Collisions by Year
How to lower Auto Insurance costs in Mississauga
Car insurance is a compulsory requirement for driving a car. That means everyone needs to have car insurance if they plan on driving a car anywhere. But insurance costs aren’t all equal. You may be paying 50% more than your neighbour who is paying 50% more than their friend. Cities like Mississauga have a wide range of insurance costs from as low as $1,200 per year up to beyond $3,000. Here’s why and how you can lower your Mississauga insurance costs:
Why your auto insurance is so high
The amount you pay in insurance is based on how likely a provider feels you are to file an insurance claim. The higher the likelihood based on historical statistics, the higher your insurance costs will be. These are a few determining factors:
1. Driving record
If your driving record has even one driving offence or violation, you will likely be paying more each month. That is because you have already committed a violation, which indicates you may be inclined to commit more.
2. The car you drive
If your vehicle has any known mechanical faults or is known to get into more accidents, you will also be paying a higher premium than other drivers in Mississauga. Look for a car with great safety ratings, high reliability and low chance of theft if you want to save more each month.
How to get cheaper auto insurance in Mississauga
Cheap car insurance doesn’t have to be complicated with isure! We want to share our knowledge and insight to help you save more on your driving expenses. Here is how you can save on your next car insurance policy:
Increase your deductible
A deductible is a specific amount you will agree to pay out-of-pocket in case you have to file a claim. Some insurance policies have zero deductible, where others can have a high amount. When you increase your deductible, you reduce your annual costs by a few hundred dollars at least!
Keep a clean driving record
Keeping your driving record clean from any driving offences (yes, even minor ones) will keep your insurance costs as low as possible. Driving offences and claims stay on your record for at least four years and will impact your insurance rates for up to 10 years.
The last thing you can do is work with an isure insurance broker. At isure, we sort through hundreds of different policies and shop corresponding rates to offer you the perfect Mississauga auto coverage for an even better rate.
How To Get An Auto Insurance Quote In Mississauga?
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 Mississauga 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.
How Much Should I Expect to Pay For Auto Insurance in Mississauga?
There are many factors that go into the price of auto insurance in Mississauga. 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.
Not sure where and how to start?
isure experts are here to HELP you.