Car Insurance Brantford

Brantford, Ontario is on the Grand River in Southwestern Ontario. It has a decreasing unemployment rate and a growing economy, with bustling downtown businesses and many amenities. Brantford is near many large cities, and although public transportation is great, owning a car makes getting around so much easier. Whether you’re heading to work, going to the park, or driving to the mall, there are a lot of nearby places to visit. And when you have a car, it makes transportation much more convenient.

Ontario law requires all registered vehicles to have car insurance. If you’re looking to purchase insurance for your new car or want to switch insurance providers, Insurance Hero is here to help you save money. We know monthly car insurance payments can add up, and any amount of savings count. Our insurance specialists look at your unique information, such as your age, vehicle, location, and annual mileage, to find the most affordable options.

Everyone has different car insurance needs, risk tolerances, and financial considerations. A suitable car insurance policy balances your needs to keep you and your family safe on the road without breaking your wallet. Are you ready to save on car insurance each year? Reach out to Insurance Hero using our online form or contact us at 1 (855) 777 4376.

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, you must follow the minimum car insurance 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.

How do Brantford car insurance rates compare to other cities in Ontario?

The average car insurance rate in Brantford is around $1,250 per year. That’s typically less than other cities in Ontario and also under the provincial average, which is over $1,600 per year. If you maintain a clean driving record, you could pay even less than the average rate in Brantford.

Here are the cities with the highest rates:

  • Brampton: $2,698
  • Mississauga: $2,372
  • Vaughan: $2,334
  • Richmond Hill: $2,286
  • Markham: $2,222
  • Toronto: $2,201

Here are the cities with the lowest rates:

  • Grimsby and Waterdown: $1,192
  • Sudbury: $1,165
  • Sarnia: $1,159
  • St.Thomas: $1,124
  • Napanee: $1,103

How does auto insurance work in Brantford?

Private insurance companies provide auto insurance, but you can use an insurance broker to help you shop and compare options. You can choose how much coverage you want and whether you want additional coverage. At Insurance Hero, our specialists use your unique information to find the best rates available for the coverage you want.

We search through our insurance partners and bring you only the most suitable options. This saves you the hassle of doing research, giving you more time to ask the questions that matter to you. If you’re ready to ditch the high insurance premiums, contact Insurance Hero today using our online form or call us at 1 (855) 777 4376.

What factors determine my car insurance in Brantford?

Here are the major factors that determine your car insurance rates:

  • Address
  • Age
  • Driving history
  • Insurance History
  • Credit score
  • Car make, model, and year
  • Marital status

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What mandatory coverage do I need to have in Brantford?

Ontario law requires you to have the following mandatory coverage:

  • Third-party liability coverage of a minimum of $200,000.
  • Accident benefits
  • Uninsured motorist coverage of minimum $200,000 for accidents by an uninsured driver.
  • Direct compensation coverage

How can I lower my auto insurance premium?

Here are common ways to lower your auto insurance premium:

  • Maintain a clean driving record
  • Install winter tires each year
  • Take driving lessons
  • Bundle your insurance plans
  • Increase the security of your car (i.e., anti-theft devices and alarms)
  • Ask for discounts (i.e., student driver, senior driver, and long-time customer)

Get Car Insurance That Works For You

If you want car insurance in Brantford, 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!