Car 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.

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.

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. 

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 

• 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 

• 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 

• 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 

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. 

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. 

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. 

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 you. We shop rates from over 25 insurance providers and will then offer you a variety of rates and coverages to suit your needs. 

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. 

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? 

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 24–hour rule is put in place. 

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