Cheap Ottawa Car Insurance Rates

You have successfully passed your 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.

Anti-Theft Devices: If your car is harder to steal, it makes it less of a risk. Insurers reward drivers with lower premiums for having anti-theft equipment.

Winter Tires: Safety is important, and Ottawa suffers from some of the worst snowstorms in Ontario. Not only is it generally a good idea, but if you happen to travel to Quebec, winter tires are mandatory between December 1st and March 15th inclusive for all motorized road vehicles. In Ontario, insurers will often give you rate reductions for owning winter tires.

Bundling: There are lots of ways bundles can save you money. Whether it’s by insuring more than one vehicle, combining your home and auto insurance, or having multiple drivers at the same residence, you generally have some sort of opportunity to save.

Tracking Your Driving: By opting into having your driving monitored, you have the potential to reduce your insurance rates. This allows you to prove that you are a safe driver, regardless of what the statistics say.

Drive Safely: It pays to be safe! Fewer accidents means more money in your pocket! Most minor tickets will be removed from your driving record after three years, and six years without an accident will reduce your rates as well.

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.

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

Ontario is notorious for having the highest auto insurance rates in Canada, but compared to other cities in the province, Ottawa is among the lowest. Other low auto interest rate cities include Kingston, Pembroke, Brockville, and Cornwall.

On the opposite side of the spectrum, the most expensive cities for auto insurance include Brampton, Toronto, Mississauga, and Scarborough.

With a professional insurance broker from isure by your side, we can help you find the best insurance rates for your needs.

If you are a student or new driver in Ottawa, you can expect to pay a bit more for your auto insurance. Out of all demographics in Canada, teenagers and young adults pay the highest insurance premiums. The highest premium amount will start at age 16, then gradually go down until you reach your late 20’s or early 30’s. However, there are a few things a young person can do to pay less for their auto insurance:

• A student in high school or a post-secondary institution may receive a discount if they maintain a certain GPA.
• If possible, remain as a second driver on your parents’ vehicle as this will lower the insurance rates.
• Taking and passing a certified driver’s education course may help you get a lower insurance rate.

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.

As a major city in Ontario, Ottawa is home to many old and new neighbourhoods that are populated by just under one million people! If you drive in Ottawa, where you live can determine the amount of money you pay for your insurance. Here are some of the major neighbourhoods in Ottawa: 

• Overbrook 

• • Located in east Ottawa 
  • Major intersection – Coventry and Vanier Pkwy 
  • Landmarks – Close to the Rideau River 

• Alta Vista 

• • Located in south Ottawa 
  • Major intersection – Heron and Alta Vista 

• Billings Bridge 

• • Located south of Ottawa 
  • Major intersection – Heron and Airport Pkwy 

• Stittsville 

• • Located west of Ottawa in Kanata 
  • Major Intersection – Hazeldean and Carp 

• Rockcliffe Park 

• • Located in north Ottawa 
  • Runs along the Sir George-Etienne Cartier Pkwy, just south of the Ottawa River 
  • Landmarks – Rockcliffe Airport, Canada Aviation, and Space Museum 

• Beacon Hill North 

• • Located in east Ottawa 

• Blackburn Hamlet 

• • Located in east Ottawa 
  • Major intersection – Innes and Bearbrook 

• Westboro 

• • Located west of Ottawa 
  • Major intersection – Richmond and Churchill 

• Davidson Heights 

• • Located south of Ottawa 
  • Major intersection – Crestway and Prom. Leikin 
  • Landmarks – Chapman Mills Conservation Area 

• Hunt Club 

• • Located south of Ottawa 
  • Major intersection – Hunt Club and Albion 

• Blossom Park 

• • Located east of the Ottawa International Airport 
  • Major intersection – Bank and Davidson 

• Pineview 

• • Located in east Ottawa 
  • Major intersection – Innes and Cyrville 

In Ontario, the average insurance rate sits at around $1,500 per year. However, that average increases when you get to Ottawa. The average auto insurance premium in Ottawa sits much higher at around $1,900/year. Once again, that rate is higher when you enter postal codes like K1T (the Blossom Park neighbourhood) which houses some of the most expensive car insurance policies in Ottawa. 

Despite the high auto insurance costs, Ottawa’s K1B postal code has an average rate much lower than the city’s average at $1,460/year, a number much closer to the provincial average. 

You may be considered a high-risk driver if you have a number of driving infractions or have ever had your licence suspended. You may also be considered high-risk if you’ve gotten into more than one accident within a few years. Finding car insurance as a high-risk driver may be a more challenging task than others. Many typical insurance companies are wary of insuring high-risk drivers, but not isure! We are your brokerage that specializes in high-risk driving insurance, offering each driver a variety of policy options and rates from leading providers. 

As with any Ontarian insurance policy, your policy should cover accidents, liability, and theft. Accident coverage will cover repairs and damage costs if you get into an accident. Liability coverage can cover or subsidize the personal injury costs of anyone involved in an accident. Finally, if your car were to get stolen, your insurance can cover investigation and replacement costs. 

Auto insurance in Canada’s capital is actually significantly cheaper than most other cities in Ontario, ringing in at an average of $1,200. That being said, some drivers will pay significantly more in insurance, and who wouldn’t want to lower their overall insurance costs? Here is why your insurance might be higher than expected, and how you can potentially lower your rates. 

Why your auto insurance is so high  

All insurance rates are based on how likely you are to get into an accident and file a claim. To determine these odds, your provider will create a driving profile. Your specific profile will be compared to other drivers’ profiles, some who have filed claims and some who have not. Here are a few of the areas that they will use to build your profile: 

Your age 

How old you are gives an accurate indication of how long you have been driving. The older you are, the more driving experience you have, and the less likely you are to get into an accident for inexperienced reasons.  

Where you live 

Specific postal codes in Ottawa have naturally higher insurance rates than other areas based on accident statistics. The more claims in specific areas, the higher the insurance rates will be.  

How to get cheaper auto insurance in Ottawa 

While you cannot control the statistics, you can control specific elements of your own driving habits and insurance practices. Here are three ways to lower your Ottawa insurance rates: 

1. Drive less 

When you drive your vehicle less, there is less time spent behind the wheel and less chance of getting into an accident. This element reflects well to providers and you might get a lower rate as a result. 

2. Get insured as soon as possible 

When you build a relationship with your insurance provider from the beginning, you have built trust. This driving trust will quickly translate into lower insurance costs.  

3. Use an isure broker 

When you get your insurance policy through a provider rather than a broker, you are limited to the rates and policies from that single provider. Insurance brokers, on the other hand, are able to shop the rates and coverage specifics from a number of different providers. While you can do this on your own, it is time-consuming, plus, why do it on your own when isure can do it for you? 

Start saving on your Ottawa auto insurance today with isure! Speak with our brokers about your specific insurance needs and learn how we can find you the best insurance policy for an even better rate!  

Yes, however, you might not see it right away. A paid traffic ticket on your driving record can have an effect on your car insurance rate the next time you renew your auto insurance. 

For more information, please check out this blog we created discussing speeding tickets and their effect on your Auto insurance.

Accidents can range from minor to fatal. To manage the severity of injuries, call for medical help, even if injuries are minor. You should make sure no one involved was hurt before you proceed with any of the next steps. 

Photos and notes are the best way to record information following a car accident. You need to note and photograph quite a bit of information, so we’ve made it easy for you by outlining exactly what you need:

• Take pictures of all damages to both your car and the other person’s car. Making sure you have all the photos is important in preventing insurance fraud and ensuring you get the right compensation. Make note of license plates, car makes, years and models. 

• Take a picture or note the other driver’s license number, plate number, their name and address. A quick way to do this is by asking to take a picture of their license. Exchange contact information and make sure there is a line of contact between you and the other driver for future communications. 

• Insurance is the next item to take account of. Take a photo of the other car’s insurance slip as a way to communicate with the other party should other means of communication fail. 

• Finally note the location, weather, and road conditions. Each of these are important to your specific accident, but may also serve as a warning to the city for other potential accidents. 

Once you have completed the on-scene work, it’s time to call a tow truck for your car and a taxi to a collision centre. Driving your vehicle following an accident is dangerous to both you and other drivers on the road. Avoid even more issues by calling a tow truck to the mechanic. You, on the other hand, need to get to a collision reporting centre to report your accident and get on with the insurance process. In Ottawa, there are three main collision centres you can visit; one in the west, one downtown, and one in the east. 

West: 211 Huntmar Drive, Kanata 

Downtown: 474 Elgin Street 

East: 3343 St. Joseph Boulevard, Orleans 

https://www.ottawapolice.ca/en/news-and-community/Collision-Reporting-Centres.aspx 

Hours for each location: Seven days a week from 8 am to 6 pm 

Finally, to determine if the police need to be involved, total up the cost of damages for the entire accident. If the damages exceed $2000, you must involve the police, by law. Sometimes it’s easy to tell when police need to be called on the scene, but other times, you may need a mechanic’s estimate.