Car Insurance Brockville

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Most Brockville drivers know that they are legally required to hold current, up-to-date auto insurance at all times. In addition to being mandatory in the province of Ontario, car insurance offers many benefits to Brockville drivers. With auto insurance comes peace of mind, knowing you are protected when travelling from point A to point B on the road.

BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.

Mandatory car insurance in Brockville

As mentioned above, auto insurance is compulsory in Brockville. Ontario drivers must have valid car insurance at all times. Driving without insurance or with expired insurance puts you in breach of the law (more on that below).

Further, in Ontario, your car insurance policy must feature specific types of coverage, including $200,000 in third party liability coverage. Anything less and your policy is invalid.

It’s also worth noting that to purchase auto insurance in Brockville, you must show proof of a valid driver’s license. An insurance company may also ask for your Ontario driver’s abstract (a record of your driving history), as well as basic information about yourself and any other people who may be driving your car, such as your spouse.

The consequences of driving without auto insurance in Brockville

Insurance is mandatory in Ontario, so driving without it is illegal and puts you at serious risk.

Uninsured motorists in Brockville can be fined anywhere from $5,000 to $25,000 for a first offense and as much as $50,000 for a second offense. Plus, there is a 15% surcharge applied to all fines that the driver is responsible for paying.

In essence, you never want to be caught driving without insurance in Brockville. So if you’re currently without an auto insurance policy, or your existing policy is set to expire any day now, contact your local broker. A broker can help explain the coverage options available to you and compare quotes to ensure you’re receiving the best possible rate.

Types of auto insurance coverage

Insurance brokers will help you determine the right coverage for you and your needs. There are many types of auto insurance coverage available. Depending on where you live, certain types of insurance coverage are required by law, and others are optional. Before purchasing insurance coverage, you should find out what kind of car insurance coverage is required where you live. You can find out if you have the right insurance coverage in your province by speaking with a broker who understands the laws in your home province. Let's learn more about each one to help you find the best coverage available:

Mandatory

Optional

Liability insurance, also known as third-party liability coverage, helps pay for accidental injuries and property damage that occur in a car accident. It might also cover medical expenses or lost wages, as well as legal defence and court fees if necessary. This mandatory coverage is required across Canada, with its minimum amount varying depending on your province.

With accident benefits coverage, you and any passengers who were in the vehicle at the time of the incident will receive compensation if someone gets hurt or killed as a result of the incident. It covers medical expenses, such as rehabilitation programs, caregivers, income replacement and funeral expenses if necessary.

Like other insurance products, this type of coverage is mandatory. Uninsured automobile coverage will come into effect if you get into an accident with an uninsured or underinsured driver. It helps pay for damages caused by the accident even if the other driver leaves the scene in a hit-and-run and there's no one at fault for the collision.

Also known as no-fault insurance, direct compensation coverage will help pay for damages if you get into an accident that was not your fault. This can include injuries and damages to your vehicle. However, you will only receive coverage when you are at fault if you have collision and comprehensive coverage.

Collision coverage is a popular type of optional coverage. It provides compensation for damages if your vehicle collides with another driver, a stationary object, or if your car rolls over. While this coverage is optional, you may be required to carry it if your vehicle is leased or financed.

Comprehensive coverage is another popular type of optional car insurance. It will help if your vehicle is damaged for reasons other than an auto accident. Expenses covered by comprehensive insurance can include theft, vandalism, fire, water damage, or even hitting an animal like a deer. You may also be required to carry this if your vehicle is leased or financed.

When you get into your first at-fault accident, accident forgiveness coverage prevents your insurance company from raising your rates after going through the claims process. It will allow you to maintain a clean driving record as you stay with the same insurance company. This is another popular type of optional coverage.

If you're buying a new car, adding this coverage to your policy is worth considering. It ensures you're covered for the full value of your vehicle without factoring in depreciation. That means if your car is stolen or totalled, you'll be reimbursed for the cost of a brand-new vehicle—not just what it's worth after wear and tear.

If you ever get into an accident and your car needs repairs, loss of use coverage has your back. While your car is in the shop, this coverage helps pay for other ways to get around—whether that's hopping on public transit, using ride shares, or renting a car. It can be a real lifesaver, especially if your car ends up being out of commission for days or even weeks.

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How to save money on car insurance in Brockville

Just because car insurance is compulsory in Ontario, doesn’t mean it should break the bank. Here at BrokerLink, we are experts at finding our customers the best possible coverage at the most affordable rate. We never want you to pay more than you have to for insurance, which is why we’ve compiled a list of ways Brockville drivers can save money on car insurance.

Purchase car insurance for more than one vehicle (savings of up to 20%)
Buy multiple insurance policies (home insurance + car insurance, travel insurance + car insurance, etc…) from the same provider (savings of up to 15%)
Install winter tires on your vehicle (savings of up to 10% in Ontario)
Purchase a hybrid or electric vehicle (savings of up to 5%)
Increase your deductible
Enroll in driving school (for new drivers)
Pay car insurance annually rather than monthly

Partner with an insurance broker

If cost is a major concern, partnering with an insurance broker can help. Reputable brokers like BrokerLink know the ins and outs of the industry and will help ensure you receive the most competitive car insurance rate out there.

BrokerLink’s team of knowledgeable insurance advisors will be with you every step of the way. They take the time to understand your driving habits and insurance needs and will dedicate themselves to finding a policy that suits your lifestyle.

Here at BrokerLink, we understand how stressful and time-consuming shopping for car insurance can be. When you partner with us, we do all the heavy lifting. So while you’re relaxing with your family on a Saturday night, we’ll be scouring the internet to find you the best, most affordable car insurance available.

How auto insurance premiums are calculated in Brockville

Calculating insurance premiums is far from simple. Insurance companies take all kinds of factors into account, from your age and marital status to your claims history and prior insurance coverage. To help Brockville drivers understand how insurance premiums are calculated, we’ve compiled a list of the most common factors affecting car insurance rates:

Where you live (and work - if you drive to work)
Age
Make and model of vehicle
Past claims
Annual mileage
Prior insurance coverage
Your deductible
Local laws
How you use your vehicle
Marital status

How driving history affects the cost of car insurance

Another important factor in calculating one’s insurance premium is driving history. Driving history combines one’s level of driving experience with their driving record. Driving experience and record are two of the most important factors influencing how much a Brockville driver will pay for auto insurance.

In general, the more driving experience you have, the better, as insurance companies believe that experience is indicative of skill. For this reason, young drivers who have little to no driving experience typically pay the most for car insurance.

However, driving experience alone is not enough to lower your premiums. You must also have a good driving record. An insurance company will be able to see everything on your driving record, so if you’ve received multiple speeding tickets, been involved in several accidents, or received a DUI charge, they will know about it and are likely to raise your insurance premium accordingly.

So if you’re looking to pay less for car insurance, you should do everything you can to obey the rules of the road and have a record free from tickets, accidents, DUIs, and other illegal actions leading to demerit points.

The top 4 tips for young drivers in Brockville

Driving for the first time can be downright terrifying. After all, it takes practice to learn safe driving habits and time to develop natural driving instincts. But don’t get discouraged. There are several ways you can improve as a young Brockville driver. From leaving ample space between you and other vehicles to driving slowly, four tips for new drivers are below. We hope they help!

Attend driving school

The first tip for young drivers? Attend driving school. Receiving formal instruction from a professional is one of the best ways to develop strong habits and skills. Most driving schools in Ontario offer a mix of in-class and practical in-car lessons. Thus, attending driving school allows you to learn all about the rules of the road, as well as gain experience driving around your neighbourhood. Plus, it will give you a chance to practice driving with someone other than your family. Finally, completing a driving course in Ontario can lower your insurance premium, which is typically quite high for young drivers.

Leave ample space

Space is your friend. Aim to leave as much space as possible between you and other cars. Two car lengths is a good rule of thumb to follow. The more space you have, the less likely you are to get into an accident. For example, if you were stopped at an intersection and the car behind you accidentally rear-ended you, you would be less likely to then roll into the intersection or the car ahead of you, causing greater damage. Lastly, remember that space is especially important when driving at high speeds, in poor weather conditions, or in reduced visibility.

Drive slowly

Taking it slow is nothing new, but it’s still a useful tip to remember. Always drive the speed limit and take your time when accelerating, braking, turning, and parking. In construction zones or when driving in inclement weather, you should drive below the speed limit. Ultimately, driving slowly gives you more time to react, which reduces your odds of getting into a collision.

Check your mirrors

As a driver, you should be aware of your surroundings at all times. This is why it’s so important to check your mirrors. Every few seconds, glance in your rear-view and side mirrors and take note of any cars behind or beside you. Additionally, when looking ahead, don’t just focus on the car in front of you. Rather, scan for all cars across the lanes in front of you.

Compare car insurance quotes with the help of a Brockville insurance broker

Compare auto insurance quotes quickly and easily by working alongside a Brockville insurance broker. BrokerLink has locations all across the GTA, each of which is staffed with experienced insurance advisors ready to offer their expertise.

If you find shopping for car insurance to be an overwhelming experience, then enlisting the help of a broker is the way to go. BrokerLink’s insurance advisors are experts in their field. They can obtain and compare quotes on your behalf, saving you valuable time and energy. Plus, they can offer their unbiased opinions regarding the best policy for you. Finally, a BrokerLink insurance advisor will take the time to walk you through the entire policy, ensuring you understand every single detail. For a stress-free car insurance experience, choose BrokerLink.

Get in touch

Interested in learning more about Brockville car insurance? BrokerLink is here! The BrokerLink Brockville team is always available to take your calls, answer your emails, or chat in person. We can answer any of your questions, explain the types of coverage required in Ontario, and ensure you understand complicated industry jargon.

At the end of the day, our #1 goal is to help you find your dream car insurance. Get started today by requesting a free auto insurance quote. We offer complimentary, obligation-free auto insurance quotes to all Brockville drivers. What are you waiting for? Begin your car insurance journey today.

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