Car Insurance Niagara Falls

Niagara Falls is located near the border, connecting Canada with the US through the Rainbow Bridge. A popular tourist destination, thousands of people visit Niagara Falls to see Horseshoe Falls, visit the nearby attractions, go to the casinos, and shop.

As a Niagara Falls resident, you know that having a car is almost essential for traveling. Although there are public transportation routes and trains, driving can help you maneuver through the crowds and neighborhoods a lot faster and safer. Many people also commute to nearby cities or cross the border for work, so having a car is definitely beneficial.

If you’re looking to purchase car insurance for your new vehicle, or simply looking to switch insurance providers, Insurance Hero is here for you. Our specialists work closely with each customer to ensure you get exactly what you need. Tired of high insurance premiums? Don’t know how much coverage you need? We use your information to find the most affordable plans that suit your requirements.

Contact Insurance Hero today using our online form or call 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, 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 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 Niagara Falls’ rates compare with other cities in Ontario?

The average car insurance rate in Niagara Falls is $1,354, which is on par with what Cambridge residents pay each year. Although this rate has been increasing throughout the years, it’s still significantly below the provincial average.

Like many smaller areas that are away from large cities with a lot of traffic and accidents, Niagara Falls’ car insurance rates are significantly cheaper than what most major cities can expect to pay. However, with the number of tourists and traffic that the area gets, car insurance rates are slightly more expensive than similar-sized areas that are less busy, such as Kingston.

How does car insurance work in Niagara Falls?

Car insurance is provided by private insurance companies, though you can go through a broker like Insurance Hero to help you shop and compare policies. All you have to do is provide us with information like your age, address, and car model, and we’ll search through our partners for the best packages for you.

If you’re ready to purchase car insurance, or are looking to change your current policy, contact Insurance Hero today. We find you the most affordable car insurance policies without lowering your coverage, so you can put your money to better use!

What factors determine my car insurance in Niagara Falls?

Insurance providers use many factors to gauge the risk you pose as a customer. Typically, customers that are riskier to insure will have to pay more for car insurance because there’s a higher chance of an insurance claim. Here are the factors that could affect your annual insurance premium:

  • Location
  • Car make, model, and year
  • Age
  • Insurance history
  • Driving record
  • Marital status
  • Credit score

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What mandatory coverage do I need in Niagara Falls?

Mandatory car insurance coverage includes:

  • 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.

How do I lower my auto insurance premium?

There are many ways to lower the cost of your car insurance. Maintaining a clean driving record is the easiest way to lower the cost of your car insurance each year. Insurance companies like safe drivers, because there is less risk for an insurance claim. Here are other ways you can lower your car insurance premium:

  • Take driving lessons
  • Increase safety measures of your car
  • Install winter tires every year
  • Bundle your insurance package
  • Ask for discounts

Get The Car Insurance That Works For You

If you want car insurance in Niagara Falls, you’re in 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 your coverage!