Cheap Auto Insurance rates in St. Catharines

The Niagara Region is home to many great cities to live in, especially St. Catharines! If you are planning to move to Ontario, St. Catharines is a great place to settle down as it boasts a multicultural community with a lot of things to do. St. Catharines is close to many shopping centres, features over 50 golf courses, has long hiking trails to explore, and is close to the water if you like boating, canoeing, or kayaking. If you do decide to move to St. Catharines, you will require auto insurance if you own a car.

If you live and drive in St. Catharines or anywhere in the Niagara Region, It’s the law to have auto insurance. When you purchase auto insurance, the policy must include third-party liability, uninsured car coverage, direct compensation property damage, and statutory accident benefits.

Tips on how to get cheap car insurance in St. Catharines

We will do everything we can to provide our clients with the best and lowest car insurance rates. However, there are also things you can do to enjoy lower rates. If you’re concerned about high car insurance premiums, the following tips will help you get cheap auto insurance rates in St. Catharines:


1. Maintain a clean driving record

Driving carefully and following all the rules of the road will pay off because maintaining a clean driving record will help decrease your premiums and improve your own safety and that of everyone else. Always signal when turning, do not speed and never drive under the influence. 


3. Choose the right vehicle

Driving a car that has a good safety rating and a low likelihood of theft will reduce your premiums because we will view the car as less of a risk. 


2. Attend driving school

Government-certified driving lessons will help you become a better driver and will lower your chances of getting into a car accident. Driving school is taken into consideration of your overall quote, which may lower your premiums. 


4. Bundle your policies

Consider bundling your home insurance with your car insurance because we may be able to provide you with a discount. 

Why Trust isure as your St. Catharines Insurance Broker

If you live in St. Catharines and are looking for affordable car insurance, 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

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.


Allows you to save more money

If you want to lower your insurance rate and save money, Insurance brokers are the top solution. Our St. Catharines insurance brokers have access to several insurance providers, premiums, coverage types and they will help you find the cheapest car insurance 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 St. Catharines insurance broker, they handle all of these details, including obtaining and comparing quotes from different insurers for you!


isure hires only the best and most reputable St. Catharines insurance brokers to get you the best quotes. Experience the isure insurance broker advantage:


We Work, You Save

You can save hundreds of dollars on insurance when you work with our St. Catharines insurance brokers. You can discuss your insurance needs with us and we’ll find the perfect coverage options and rates.


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.


Your Needs are our Top Priority

We are real insurance brokers helping real, amazing St. Catharines 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 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 St. Catharines citizens access the best insurance coverage available.


We Have Coverage For All Your Insurance Needs

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


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 St. Catharines Auto Insurance Broker?

We understand that there are a lot of options when it comes to auto insurance in St. Catharines. 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.

About St. Catharines Auto Insurance

What are the factors that affect auto insurance in St. Catharines?

Type of Vehicle: The year, make and model of your vehicle will be used by auto insurance companies when they calculate the premium.

strong>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 St. Catharines 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: Drivers with more experience on the road often pay much lower auto insurance premiums than newer and younger drivers.

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 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 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 St. Catharines?

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 St. Catharines 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.

St. Catharines Collision Reporting and Claims Process

Car accidents happen each day without fail in Ontario. Your best defense against accidents is to have and understand your car insurance policy. The next best thing is to know what to do if you ever find yourself in an accident. isure is here to offer St. Catharines drivers a complete guide to accident reporting: 

1. Make sure everyone is safe

Accidents can be scary, traumatic and can cause serious injuries. Your first priority should always be to make sure everyone is safe. You can always worry about the cars later, but call 911 immediately if anyone has injuries, even minor ones. 


2. Start taking pictures

A picture is worth 1,000 words. Taking pictures is a good way to document the information quickly and without too much effort. You might be in shock after an accident and miss information if you go to write it down. Avoid missing critical information by taking lots of pictures of these four things: 

  • Damages 

Now, people typically have smartphones and can promptly snap a photo of any damages. When taking pictures, be sure to get images of all the vehicles involved. This way, you have complete documentation of the accident and not only your portion of it. 

  • License 

Most of the personal information you need from the other person can be found on their driver’s license. A quick picture can shorten the amount of time you need to remain on the scene of the accident. 

  • Insurance 

Exchanging insurance is required after an accident. You need to collect the other person’s policy provider and policy number, as well as the make, model, and year of their car. This can all be found on the insurance slip, captured with a quick photo on your phone. 

  • Details 

Finally, document all the details of the accident, including the time, date, location, and road conditions of the accident. This can provide a better idea for the insurance companies, as well as the collision centre. 

3. When you need to report an accident

Reporting an accident can be done anytime within 24 hours of it occurring. You do not always have to report an accident, though you need to report any accident over $2,000. You also must report any accident where you need to go through insurance. 

4. Filing a report at the St. Catharines collision centre

To file a report, you and your car both need to visit the collision centre. To get to the centre, take either a taxi or have a friend drive you. When it comes to your car, you are best off calling for a tow truck. Any issues with your car because of the accident could become magnified if you drive it to the centre. After a report is filed, it will be sent to the insurance companies so you can file a claim and make your repairs. 

Niagara Accident Support Services Ltd. 

5700 Valley Way, Niagara Falls, Ontario L2E 1X8 

Telephone: 905-980-6366 

Fax: 905-980-6368 

Hours of Operation: Mon – Fri: 10 am to 6 pm 

St. Catharines driving tips:

  • Pay extra attention when driving on the QEW. Do not get distracted by music or your phone, and do not eat or attempt distracted driving while you’re on the road. All of your attention must be on the road, and you must focus on what’s ahead and your surroundings.
  • Consider different routes during rush hour and high traffic times on the QEW. Map out alternative routes in advance. If you must take the QEW, give yourself lots of extra time to get to your destination.
  • Delays should be expected, and you must factor this into your commute time. Poor road conditions will cause delays during the winter. Road construction will cause delays in the summer.
  • Be mindful of U.S. drivers. You may come across drivers from the U.S. because of the proximity to the border, and they may be unfamiliar with Canadian driving rules and laws. 

Knowledge will result in safer driving habits. We are always here to provide you with the information you need. This applies to both car insurance and driving tips that are relative to your specific city. Our team is always ready to answer questions or concerns, and drivers in St. Catharines can contact us at any time to learn more.

Save when you bundle your home and auto insurance

Lower your insurance rate and save money

How Much Should I Expect to Pay For Auto Insurance in St. Catharines?

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

How To Get An Auto Insurance Quote In St. Catharines?

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 St. Catharines 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.

St. Catharines: Optional Car Insurance

Drivers in St. Catharines need car insurance, but not every type of coverage is mandatory. Our brokers at isure will present you with optional car insurance choices if you require more protection. To get started, let’s take a look at the following you can choose to include in your policy:

Collision coverage

If you are involved in an accident with an object or are at-fault, damages to your vehicle will be covered. 

Comprehensive coverage

Incidents, other than a car accident, can happen at any time. This type of coverage will cover damages to your car. Hail, wind, water, theft and vandalism are examples of said damages. 

Specified Perils

Damages caused by named perils in your policy will be covered. This can include theft, fire, lightning, and any other risks specifically named in your policy. 

All-Perils coverage

All-Perils coverage will combine collision, comprehensive coverage and provide additional protection if a household member or employee steals your car. 

Accident Forgiveness

This will provide you with one free pass if you are at-fault in an accident. This means your car insurance rate will not increase after your first accident. 

Depreciation coverage

This coverage will protect you from depreciation if your car is considered a complete loss. You will likely be entitled to the original price you paid or the current sales price of your vehicle. 

Emergency Roadside Service

If you need to tow your car after an accident, this will cover the expenses related to this service. 

Car rental service

Your car insurance coverage can extend to protect you while driving a rental vehicle. You will receive coverage up to a certain limit, and our brokers will discuss the details of this option.

Not sure where and how to start?

isure experts are here to HELP you.