Auto Insurance in
Oakville

Making Insurance Friendly and Easier

Best Auto Insurance rates in Oakville

If you live in Ontario, you are likely subjected to the highest auto insurance rates in the entire country. But if you work with isure insurance, you will have access to the most affordable premiums in the market! As Oakville is the middle point between Hamilton and Toronto, many people live in Oakville if they want to live in a quieter neighbourhood but still remain close to Toronto.

If you live and drive in Oakville, 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.

We provide affordable auto insurance rates that will give you the coverage that you need. 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 Oakville can provide you with high-quality coverage, convenience, and personalized service that exceeds your expectations. When it comes to auto insurance in Oakville, you are in the driver’s seat with isure insurance riding along with you!

Why Trust isure as your Oakville Insurance Broker?

If you have little or no experience, navigating insurance can be extremely difficult. 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.

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Our licenced insurance professionals always provide valuable information

If you have little or no experience, navigating insurance can be extremely difficult. 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.

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Allows you to save more money

If you want to lower your insurance rate and save money, Insurance brokers are the top solution. Our Oakville 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.

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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 Oakville 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 Oakville insurance brokers to get you the best quotes. Experience the isure insurance broker advantage:

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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.

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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.

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Your Needs are our Top Priority

We are real insurance brokers helping real, amazing Oakville 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.

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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 Oakville citizens access the best insurance coverage available.

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We Have Coverage For All Your Insurance Needs

Our insurance brokers get Oakville residents quotes for home, commercial, auto, life, travel and more.

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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 Oakville Auto Insurance Broker?

We understand that there are a lot of options when it comes to auto insurance in Oakville. 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 Oakville AUTO INSURANCE

What are the factors that affect auto insurance in Oakville?

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 Oakville 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 Oakville?

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 Oakville 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.

How do Oakville car insurance quotes compare to other cities in Ontario?

Insurance in Oakville is generally lower than surrounding cities around Ontario, clocking in around $200 less per year. That is not to say that insurance is cheap, it is just less expensive in comparison to surrounding cities, such as Mississauga or Hamilton. 

What are the neighbourhoods in Oakville?

Oakville features 16 different neighbourhoods. Why does this matter? The price you pay for your car insurance depends on where you live, right down to your exact postal code. Here are the different neighbourhoods in Oakville: 
 

  • Old Oakville 

    • Quaint downtown location with historic shops 
    • Major intersection – Lakeshore and Dorval 
    • Landmarks – Oakville Museum, Water Works Park 
  • Morrison 

    • Located beside Old Oakville on the Lakeshore 
    • Major intersection – Lakeshore and Morrison 
    • Landmarks – Oakville Centre of Performing Arts 
  • West Oak Trails & Westmount 

    • Located in west Oakville 
    • Major intersection – Upper Middle and Third line 
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  • Ford 

    • Located in southeast Oakville along the lakeshore 
    • Major intersection – Lakeshore and Ford 
    • Landmarks – Joshua’s Valley Park 
  • Glen Abbey 

    • One of the bigger neighbourhoods in Oakville that runs through the middle of the city 
    • Major intersection – North Service and Third Line 
    • Landmarks – Glen Abbey Golf Course, Fourteen Mile Creek Lands 
  • River Oaks 

    • Located in north Oakville 
    • Major intersection – Upper Middle and Sixth Line 
    • Landmarks – Nipigon Trail 
  • Joshua Creek 

    • Located in the northeastern corner of Oakville 
    • Major intersection – Upper Middle and Grand Blvd 
    • Landmarks – Bayshire Woods Park, the Parkway 
  • Southwest Oakville 

    • As the name suggests, this neighbourhood is located in southwest Oakville 
    • Runs along the lakeshore from Third Line to Dorval Street 
    • Landmarks – Coronation Park, Sedgwick Forest 
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  • Falgarwood 

    • Located near the centre of Oakville 
    • Major intersection – Grand Blvd and Eight Line 
    • Landmarks – Iroquois Shoreline Woods Park, Morrison Valley South 
  • Bronte 

    • Located in southwest Oakville 
    • Major intersection – Lakeshore and Bronte 
    • Landmarks – Bronte Beach Park, Bronte Heritage Waterfront Park 
  • Wedgewood Creek 

    • Located in north Oakville 
    • Major intersection – Glenashton and Eight Line 
    • Landmarks – Postridge Park, Morrison Valley North 
  • College Park 

    • Located in central Oakville 
    • Major intersection – McCraney and Sixth Line 
    • Landmarks – Oakville Park, Oakville Golf Club 
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  • Clearview 

    • One of the smaller neighbourhoods in Oakville; located at the northeast corner of the city 
    • Major intersection – Kingsway and Winston Churchill Blvd 
    • Landmarks – Jonathan Park 
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Which Oakville postal code has the highest premiums?

The postal code in Oakville with the highest insurance premiums is L6H. The L6H region includes the neighbourhoods: College Park, River Oaks, Wedgewood Creek, Falgarwood, and Joshua Creek. The area is fairly populous, which contributes to higher costs in auto insurance. 

Which Oakville postal code has the lowest premiums?

The L6K region, which includes southwest Oakville, central Oakville and old Oakville, offers residents the lowest annual auto insurance rates. This is partly because of its proximity to quiet and residential neighbourhoods. 

How easy is it to get an insurance quote in Oakville?

Getting an insurance quote is super easy in Oakville. Get your quote over the phone or online by requesting one from isure! The isure team will get back to you as soon as possible with an accurate quote and perfect coverage for your driving habits. 

Who provides the lowest auto insurance in Oakville?

The answer to this depends on who’s asking! Based on a number of personal factors, your best rate will be offered by a different provider. The only way to ensure you get the best rate for your insurance plan is by shopping rates from different providers, which is exactly what isure does for youWe shop rates from over 25 insurance providers and will then offer you a variety of rates and coverages to suit your needs. 

Halton Region Collision Reporting and Claims Process

The number of car accidents in Canada over the past few years speaks further to the fact that Canadians should be prepared if they are ever involved in an accident. When it comes to collision reporting, things can be very confusing. That is why isure has put together an easy-to-follow guide for collision reporting in the Halton region: 

1. Address medical concerns

Injuries like whiplash, cuts, scrapes, internal bleeding, and broken bones are all common injuries that follow an accident. Some of these injuries need to be treated by professional doctors. For this reason, if you or anyone involved is remotely injured, call 911 first before proceeding with the next steps. 

 

2. Take photos

Photos are some of the most concrete examples of evidence that we have today. Photos can be used to document damage, as well as information, with just the click of a button. Use this to your advantage on the scene of an accident by photographing the following: 

  • Damages 

From light scrapes to missing bumpers, document any damage to either car in order to offer a visual record of the vehicle’s destruction. In the photos, aim to capture the license plate, make, and model, followed by the year of the cars. If you need to go through your insurance or reporting centre, knowing this information will make your experience much easier. 

  • Licenses 

Taking a photo of the other driver’s license offers a quick solution to obtaining all the necessary information. A driver’s license includes full name, address, and license number. A driver who offers an image of their license also proves they remained on the scene following an accident. 

  • Insurance 

Exchanging insurance information is common following a collision. The best way to do this is by taking a picture of each other’s insurance slips. Policy number, provider, as well as car make and model, are all on the insurance slip. 

  • Conditions 

Jot down the specifics leading up to the car accident. Was it a sunny day? Did the accident occur in the morning? Which intersection or street did the accident take place on? 

3. Does your accident need to be reported?

If you and the other driver suspect your accident will total more than $2,000 in repairs, you will need to report the event to a collision reporting centre or the police within 24 hours. Sometimes collision centres are closed – that is why the 24hour rule is put in place. 

4. Where to report to

If you are reporting to a collision centre in Halton, you have two different locations to choose from. When it comes to getting to the locations, you should not drive your newly-damaged car there. Instead, call a friend or taxi to drive you there and a tow truck to drive your vehicle there. 

HRPS 2 District (20 Division), 95 Oak Walk Drive, Oakville, ON, L6H 0G6 

Hours: Monday – Friday from 10:00 a.m. – 6:00 p.m. (closed Saturday and Sunday) 

Telephone: 905-825-4640 

HRPS 3 District (30 Division), 3800 Constable Henshaw Blvd. Burlington, ON, L7M 3Y2 

Hours: Monday to Sunday, 8:00 a.m. – 4:00 p.m. (7 days a week) 

Telephone: 905-331-0233  

What does insurance cover? 

Your accident insurance coverage will depend entirely on your specific insurance policy. Some insurance policies cover the bare minimum of repairs, while others cover towing costs and taxi costs. To find out more information with regards to your insurance coverage, contact your broker today. 

Save when you bundle your home and auto insurance

Lower your insurance rate and save money

How To Get An Auto Insurance Quote In Oakville?

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 Oakville 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 Oakville?

There are many factors that go into the price of auto insurance in Oakville. 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.

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