Cheap Car Insurance Rates 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. Check out this blog we posted regarding speeding tickets and their effect on auto insurance in Ontario.

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.

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.  

• Applewood  

• • Eastern most part of Mississauga 
  • Major intersections – Bloor and Tomken, Bloor and Dixie 

• Churchill Meadows 

• • Located in west Mississauga 
  • Major intersection – Britannia Rd W and Winston Churchill Blvd 

• Clarkson-Lorne Park 

• • Located just south of the QEW 

• Cooksville 

• • Located in south Mississauga, just north of the QEW 
  • Major intersection – Queensway W and Hurontario St 
  • Landmarks – Trillium Hospital, Stillmeadow Park 

• Creditview 

• • Small suburban area located at Rathburn and Mavis 

• East Credit 

• • Located in north Mississauga 
  • Major intersection – Eglinton and Creditview 
  • Landmarks – Heartland Town Centre 

• Erindale 

• • Located in central Mississauga 
  • Major intersection – Dundas St W and Glengarry 
  • Landmarks – University of Toronto-Mississauga campus 

• Erin Mills 

• • 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 

• Fairview 

• • Small neighbourhood located between Cooksville and the City Centre 
  • Major intersection – Dundas and Hurontario 

• Hurontario 

• • One of the bigger neighbourhoods in Mississauga 
  • Major intersection – Eglinton and Hurontario 

• Lakeview 

• • A scenic neighbourhood along the lakeshore 
  • Major intersection – Lakeshore and Dixie 

• Lisgar 

• • Located in northwest Mississauga 
  • Major intersection – Derry and Tenth Line 
  • Landmarks – Osprey Marsh, Lisgar Fields 

• Malton 

• • Located in northeast Mississauga 
  • Major intersection – Derry and Airport Road 
  • Landmarks – Toronto Pearson International Airport 

• Meadowvale 

  • Located in northwest Mississauga 
  • Major intersection – Derry and Mavis 
  • Landmark – Meadowvale Conservation Area 

• Mineola 

  • Located on the south side of Mississauga on Hurontario Street 

• Mississauga Valleys 

• • Small neighbourhood in the centre of Mississauga 
  • Major intersection – Central Pkwy and Bloor 
  • Landmarks – Close to Square One 

• Port Credit 

• • Southern most neighbourhood in Mississauga  
  • Major intersection – Lakeshore and Hurontario 
  • Landmarks – JC Saddington Park, Port Credit Lighthouse 

• Rathwood 

• • Located in east Mississauga 
  • Major intersection – Rathburn and Dixie 

• Sheridan 

• • Located in southwest Mississauga 
  • Major intersection – N Sheridan Way and Erin Mills Pkwy 

• Streetsville 

• • 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 

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. 

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. 

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. 

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. 

Third-party liability and accident benefits are mandatory for every driver in Mississauga. This type of insurance is a must, as it will protect your liability and help you cover the cost of any medical treatments you may require. You can also consider many add-on options if you are interested in additional coverage, which we are happy to discuss in more detail whenever you give us a call. We’ll go over collision insurance, comprehensive insurance, specified perils insurance and all-perils insurance. 

There are many things you can do to get cheap car insurance in the city of Mississauga, including driving responsibly, bundling your policies, driving safely, and taking a defensive driving course. Combining these steps will help lower your car insurance rate, as will buying the right coverage. We will make sure you pay only for the coverage you need and inform you if bundling would apply in your case. You can always rely on isure for honest information that will help lower your policy! 

Every driver needs to be responsible on the roads, regardless of what city they’re in. Driving is the only thing you should focus on when behind the wheel, as distractions can lead to dangerous consequences and higher premiums. When driving, keep your eyes on the road and always check your blind spots before changing lanes. 

Distracted driving is a severe offense that can land you in trouble as it is illegal in Ontario. Texting will cause you to take your eyes off the road, and an accident can happen in a split second. In short, put your cell phone away to avoid temptation when you drive. Even something as simple as adjusting your music can result in an accident, so you must avoid distractions of every kind. 

There are many construction zones in Mississauga and avoiding these would be ideal if that is a possibility. Try taking alternate routes so that you don’t become frustrated, as well as plan your drive ahead of time so that you are not late for work or an appointment. Always follow the rules of the road and avoid conflict with aggressive drivers so that you remain safe. 

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. 

• Damages 

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. 

• License 

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. 

• Insurance 

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. 

• Conditions 

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. 

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. 

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 

Telephone: 905-453-3311 

OR 

3030 Erin Mills Parkway, near Dundas St. West 

Telephone: 905-453-3311 

Ontario requires you to have liability coverage when driving in Mississauga. It provides financial protection in the event of an accident in which you are found to be at-fault.

Medical, rehabilitation, and income replacement costs will be covered by standard benefits if you are injured in an accident. Alternatively, you can purchase optional benefits or upgrade any of your standard Accident Benefits.

You will be covered if your vehicle hits another vehicle or object, as well as cover the costs to repair or replace your vehicle.

Ontario comprehensive insurance protects your vehicle from damage caused by falling objects, vandalism, fire, theft, lightning, windstorms, or earthquakes.

A write-off vehicle can be repaired or replaced with financial assistance under this coverage. A liability policy covers damage to other vehicles and property.

Other than collisions or other upsets, this coverage pays for losses caused by falling objects, missiles, and vandalism, among other perils or dangers.

Perils are situations or circumstances that result in a loss. This type of coverage protects you in perilous occurrences, such as car accidents, fire, lightning, earthquakes, explosions, and damage as a result of the weather, for example.

Mississauga is a large city, and many people assume that auto insurance claims are lower because the city has so much space, especially compared to the compact Toronto core. Mississauga car insurance is not cheaper, however, because Toronto’s subway system reduces cars on the road every day and reduces risk, which decreases rates in Toronto. For this reason, drivers in Mississauga will receive higher car insurance rates than those living in Toronto.

While it’s true that Mississauga does not have a light rail transit system at present, there are plans in place to have one implemented very soon, and as of now, the project is scheduled to be completed in 2024. The city’s first LRT system will run along Hurontario, the city centre, featuring 19 stops across 18 kilometres of track. 

The city of Mississauga is ideally located; however, commuting is not always a breeze, especially during rush hour. The roads tend to get very congested during this time, lasting from 8:00am to 10:00am and 4:00pm to 6:00pm. You’ll need to plan accordingly if you want to get to your destination on time, and if you have to drive further than one adjacent city, you will have to leave even earlier. 

Not all brokers are the same because they don’t all work with the same car insurance companies. Each broker, including isure, partners with different insurers to offer the best solution for your needs.