Car Insurance Pickering Ontario

Located a short drive from Ajax, Pickering is located in the south part of Ontario and is immediately east of Toronto. Pickering also borders other areas like Markham, Whitby, and Lake Ontario. Near the water, Pickering offers residents quiet, peaceful neighborhoods, lots of nature trails, as well as industrial areas like the Pickering Nuclear Generating Station.

For anyone that travels locally, commutes to Toronto, or needs to get to another area of Ontario, Pickering gives residents easy access to Highway 401, Highway 407, and Highway 7. Whether you need to drive for the daily work commute, are going somewhere for leisure, or simply running a small errand, you can easily drive to your destination.

Regardless of whether you’re driving locally or to a different city, a car will be your best friend. Insurance Hero can provide you with affordable, comprehensive insurance policies. Our specialists work closely with you to find the best car insurance package based on your driving needs and budget. Worried about breaking the bank with expensive insurance premiums? Insurance Hero is here to save you!

Reach out to Insurance Hero using our online form or contact us at 1 (855) 777 4376.

What You Need to Know About Car Insurance in Pickering

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.

Types of Car Insurance Coverage

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.

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How do Pickering’s car insurance rates compare to other cities in Ontario?

Residents in Pickering can expect to pay on average $1,732 each year for car insurance. While this is higher than the provincial average, it remains below what many neighboring cities pay for car insurance per year. For example, Ajax residents pay on average $2,141 each year on car insurance premiums.

Here are some of the cities with car insurance rates higher than Pickering:

  • Brampton
  • Vaughan
  • Markham
  • Richmond Hill
  • Toronto

Here are some of the cities with car insurance rates lower than Pickering:

  • Niagara Falls
  • Oshawa
  • Whitby
  • Kingston
  • London
  • Windsor

How does auto insurance work in Pickering?

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 Pickering?

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

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

What mandatory coverage do I need to have in Pickering?

Ontario law requires you to have the following mandatory coverage for every car registered in the province:

  • 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

With Insurance Hero, you can find mandatory car insurance coverage for an affordable price. Reach out to one of our specialists today for a free quote!

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 a Car Insurance Quote Today

Car insurance is an expensive purchase, and we understand why many customers are concerned about high premiums. There are several types of car insurance available and it’s important to find a balance between coverage and budget.

If you want affordable car insurance in Pickering, 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 on your coverage!