Car Insurance Aurora

Aurora is a town in the Central York Region of the GTA. With a population of just over 55,000 people, Aurora is known for its historical buildings in the older parts of town. As a vibrant city with safe neighborhoods and lots of parks and trails, Aurora is a great place for families to settle down. Whether you’re looking for a job in the local area or regularly commuting to Toronto or nearby communities, you’ll have no problem getting to your destination.

If you live in Aurora, you’ll most likely find that a car is the most convenient method of transportation. Although there are public transportation systems, nothing beats the convenience of a car that can take you where you want, when you want. This also means you’ll need car insurance.

Insurance Hero’s specialists are car insurance experts. If you’re confused by the different coverages and don’t want to sink a lot of money into insurance premiums each year, we’re here for you. At Insurance Hero, we understand everyone has different preferences and needs for their vehicle. Our agents work closely with you to find a custom car insurance policy that best fits your needs. That way, you’re protected in the event of an accident, without having to break the bank.

Here’s Why You Need Car Insurance

Car insurance is mandatory in Ontario. While you can choose how much insurance coverage you want and whether to add additional coverage or endorsements, there are minimum coverage requirements.

The most important reason for having car insurance is because of your liability in a collision. If you’re ever in a car accident, you’ll know how expensive some of these damages cost. You could be responsible for potential medical bills, car repairs, and compensation for other damaged property. It also protects you if you have to pay for repairs on your own car whether you’re caught in a car accident or damage your car because of a structure. Car insurance helps mitigate some of the financial risks arising from these liability claims and damages.

Are you looking for a suitable car insurance policy to protect you and your passengers? Want to avoid high premiums without compromising your coverage? Reach out to Insurance Hero today. Our insurance specialists will match you to an affordable insurance package that best meets your needs.

Car Insurance Coverage Types

There are both mandatory and optional coverage types that drivers can choose from.

According to Ontario law, drivers should carry mandatory insurance coverage of:

  • Third-party liability coverage of a minimum of $200,000.
  • Accident benefits to recover from collision injuries.
  • Uninsured motorist coverage of minimum $200,000 for accidents by an uninsured driver.
  • Direct compensation coverage for damages if someone else is at fault.

You can also purchase additional car insurance coverage:

  • Collision: Covers damages to your vehicle caused by a collision with another object.
  • Comprehensive: Includes all damages except for collision and theft by someone that lives with you or repairs your car.
  • Specified perils: Covers damages to your vehicle caused by only the perils outlined in your insurance policy.
  • All perils: Covers all perils that damage your vehicle, including theft by someone in your house or you hired to drive your car.

What drives up car insurance rates in Aurora?

Accidents and crime rates in the area are one of the main reasons car insurance in an area increases. For example, if you live in a populated urban area with busy intersections, high crime rates, and many reckless drivers, then statistically your neighborhood has a higher chance of having an accident or collision. As a result, car insurance rates in your neighborhood will be higher compared to other areas.

Other factors that contribute to increased car insurance rates include:

  • At-fault accident claims
  • DUIs
  • Driving infractions
  • Poor driving history

If you’re a safe driver with a clean driving record and a long insurance history, insurance companies will reward you with low insurance premiums.

How much does car insurance cost in Aurora?

The average car insurance rate in Aurora is just under $1,400 per year. This rate is higher than most rural areas but under the provincial average rate and much cheaper than big urban or suburban neighborhoods. For example, the average car insurance rate for Richmond Hill, just a 20-minute drive away from Aurora, is $1,750 annually.

What type of car insurance do I need in Aurora?

Aside from the minimum required car insurance, you can add policy endorsements and optional coverage to your policy for an additional fee to give you extra protection and higher insurance limits. These options include:

  • Collision
  • Comprehensive
  • Specified perils
  • All perils

You also need to consider the type of car you have and your specific driving needs. For example, Insurance Hero offers insurance for young drivers, ridesharing, collector and classic cars, high-risk drivers, and commercial vehicles.

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How do I renew my car insurance in Aurora?

Your car insurance automatically renews when it’s time. If you want to lower your rates or change your coverage, speak with your insurance provider to discuss the options. Insurance Hero can help you ditch the high premiums and find affordable car insurance that still gives you the right amount of coverage.

How to get your quotes for car insurance in Aurora?

Getting a quote is simple with Insurance Hero. We simplify the process by comparing the different options based on the information provided about yourself and your vehicle. We’ll search through the options available from our insurance partners and present you with the best packages. All you have to do is pick the one you want and we’ll take care of the process.

Get Car Insurance That Works For You

If you want car insurance in Aurora, you have come to the right place. Fill out this form with your information, such as name, age, vehicle, driving history, and insurance record. We’ll do the hard work, so you can easily avoid paying high premiums without compromising on your coverage!