Car Insurance Innisfil
Part of a series on car insurance rates in Ontario.
Car Insurance Innisfil FAQs
What type of auto insurance do I need in Innisfil?
In Innisfil, it is mandatory to have car insurance that covers liability for bodily injury or property damage. This coverage is known as third-party liability coverage; the minimum requirement in Ontario is $200,000.
You must also purchase:
- Accident benefits coverage: This covers medical expenses, lost income, and other expenses related to an accident, regardless of who is at fault.
- Uninsured motorist coverage: This covers you if you are in an accident with an uninsured driver or a hit-and-run driver.
- Direct compensation – property damage (DC-PD) coverage: This covers property damage to your vehicle in an accident for which you are not at fault.
In addition to the mandatory coverage, it is highly recommended to have other types of coverage to protect yourself financially in case of an accident, such as:
- Collision coverage: This covers damage to your own vehicle if you are in an accident, regardless of who is at fault.
- Comprehensive coverage: This covers damage to your vehicle that is not the result of a collision, such as theft, vandalism, or weather-related damage.
What documents will I need to get a car insurance quote in Innisfil?
To get a car insurance quote in Innisfil, you will typically need to provide the following documents and information:
- Driver’s license: You will need to provide a valid driver’s license to verify your identity and driving history.
- Vehicle information: You will need to provide information about the vehicle you want to insure, including the make, model, year, and vehicle identification number (VIN).
- Driving history: You will need to provide information about your driving history, including any accidents or traffic violations you have had in the past.
- Insurance history: You may need to provide information about your previous insurance coverage, including the name of your previous insurer and your coverage levels.
- Personal information: You will need to provide personal information such as your name, address, and contact information.
When you request a car insurance quote from aha insurance online, our technology will automatically review your driver’s license information using the Ontario Ministry of Transportation database to help identify the best policy options from our partner insurers. We’ll also request any information about additional drivers who may need to be included in your policy. The entire process typically takes just a few minutes.
How does mileage impact my auto insurance rate?
Mileage can impact your auto insurance rate because the more you drive, the higher your risk of being involved in an accident. Generally, if you drive more miles, you may have a higher insurance rate because you are more likely to file a claim.
Some insurance companies may offer lower rates for drivers who drive fewer miles, such as those who work from home or have a short commute. This is because these drivers are less likely to be involved in an accident and represent a lower risk for the insurance company.
Your insurance company may use various methods to verify your mileage, such as asking for odometer readings, using telematics devices that track your driving behaviour, or estimating your mileage based on your occupation and other factors.
What is dangerous driving, and how does it impact my car insurance rate?
Dangerous driving is a serious traffic offence in Ontario that involves driving in a manner that is likely to endanger the life or safety of others on the road. Examples of dangerous driving include excessive speeding, reckless driving, street racing, or driving under the influence of drugs or alcohol.
If you are convicted of dangerous driving, it can significantly impact your car insurance rates. Your insurance company will consider you a high-risk driver, and your rates will increase substantially, or your policy may even be cancelled altogether. This is because dangerous driving indicates that you are more likely to be involved in an accident, representing a higher risk for the insurance company.
In addition to higher insurance rates, a dangerous driving conviction can also result in fines, license suspension, or even imprisonment, depending on the severity of the offence. Therefore, always drive safely and follow the rules of the road to avoid dangerous driving charges and keep your insurance rates low.
How can a high-risk driver lower their car insurance in Innisfil?
Being a high-risk driver in Innisfil can result in higher insurance premiums, but there are several strategies that you can use to try to lower your rates. Here are a few tips:
- Improve your driving record: Avoid traffic violations and accidents to demonstrate that you are a safe driver.
- Take a defensive driving course: As a new driver, completing a defensive driving course through a registered driver training school as part of a driver’s education course can show your insurance company that you are committed to safe driving, and some insurers offer discounts for course completion.
- Choose a safer vehicle: Consider driving a vehicle with a high safety rating and less likely to be involved in accidents or stolen.
- Increase your deductible: Raising your insurance deductible (the amount you pay out of pocket before your insurance coverage kicks in) can result in lower premiums.
- Shop around: Compare quotes from multiple insurance providers to find the best rates and coverage options for your needs.
- Bundle your policies: If you have other types of insurance policies, such as home or life insurance, bundling them with your auto insurance policy can result in discounts on your premiums.
It’s important to note that these strategies may not work for everyone, and rates can vary depending on a variety of factors.
If you are having difficulty finding affordable car insurance as a high-risk driver, contact aha insurance for personalized advice and guidance from one of our licensed insurance brokers today!
What is the most affordable area for car insurance in Innisfil?
The most affordable neighbourhood for car insurance in Innisfil can vary as premiums are based on several factors such as age, driving history, type of car, and coverage levels, among others.
However, areas with lower car theft rates, vandalism, and accidents may have lower insurance premiums, such as Southern Innisfil and in and around Fenells Corner.
What are the main things affecting my auto insurance premiums in Innisfil?
Several factors can affect your auto insurance premiums in Innisfil, Ontario, including:
- Driving record: Your driving record, including any previous accidents or traffic violations, can affect your insurance rates.
- Age and gender: Younger and less experienced drivers and male drivers may pay higher insurance rates.
- Type of vehicle: Your vehicle’s make, model, and year can affect your insurance rates.
- Location: Where you live can impact your insurance rates since areas with higher rates of accidents, theft, or vandalism may lead to higher premiums.
- Coverage levels: The type and level of coverage you choose can impact your insurance rates, with higher coverage levels generally leading to higher premiums.
- Deductible: Your insurance deductible, which is the amount you pay out of pocket before your insurance coverage kicks in, can also affect your premiums.
- Insurance history: Your previous insurance coverage, including any lapses in coverage or claims history, can also impact your insurance rates.
It’s important to note that each insurance company has its own method of calculating premiums, so rates can vary from one insurer to another. Learn about additional strategies and savings you can implement to lower your auto insurance premium in Ontario.
What is a high-risk driver?
A high-risk driver is someone who is more likely to file an insurance claim or be involved in an accident than the average driver. This may be due to factors such as a history of accidents or traffic violations, driving under the influence of drugs or alcohol, driving a high-performance or high-risk vehicle, or having little driving experience. High-risk drivers may have difficulty obtaining car insurance, and when they do, they may face higher premiums or more limited coverage options.
What type of car insurance does aha insurance offer in Innisfil?
Here at aha insurance, we offer a wide range of car insurance coverage options in Innisfil, including:
- Third-Party Liability Coverage: This is the mandatory coverage required by law that protects you from financial loss if you are found responsible for causing injury or property damage to another person in an accident.
- Accident Benefits Coverage: This coverage compensates for medical expenses, lost income, and other related expenses if you or your passengers are injured in an accident, regardless of who is at fault.
- Direct Compensation – Property Damage (DC-PD) Coverage: This coverage provides compensation for damage to your vehicle if you are in an accident that is not your fault.
- Uninsured Motorist Coverage: This covers you in case of an accident with an uninsured driver or a hit-and-run driver.
- Collision Coverage: This coverage compensates for vehicle damage if you are in an accident, regardless of who is at fault.
- Comprehensive Coverage: This coverage compensates for damage to your vehicle that is not caused by a vehicle accident, such as theft, vandalism, or weather-related damage.
We also offer several additional coverage options that can be added to your policy, such as roadside assistance, rental car coverage, and loss of use coverage. It’s important to note that coverage options and rates can vary depending on your circumstances and vehicle type.
Fast facts about auto insurance in Innisfil
Average annual car insurance rate
Regular drivers in the city
Collisions per year (approximately)
%
Collision rate for the city
Average age
Average household income
%
Unemployment rate
Population
Understanding car insurance in Innisfil, Ontario
Sitting just south of Barrie on the shore of Lake Simcoe, Innisfil has grown substantially in the last few years. It’s now a growing hub for commuters driving into Toronto for work as well as a quiet town to get away from the hustle and bustle of city life.
Thankfully, Innisfil keeps a low average car insurance rate compared to the rest of Ontario.
Chances are good that you enjoy some of the same advantages, but price is relative to your coverage and your commuting method. Working from home for 1-2 days per week can have a positive impact on your auto rates because it reduces the amount of risk you’re exposed to on the road every year. Simiarly, commuting via train could cut down your vehicle use to “recreational” instead of “for work.”
This is everything you need to know about car insurance and driving in Innisfil.
Get your bundle on & save!
Want even cheaper insurance? Save up to 50% on home and up to 15% on car insurance when you bundle them.
Get your bundle on & save!
Want even cheaper insurance? Save up to 50% on home and up to 15% on car insurance when you bundle them.
Busting myths about driving and insurance in Innisfil
Myth: Innisfil’s roads aren’t kept in great shape, especially in winter.
Innisfil isn’t known for poor roads, but it certainly faces the challenge of maintaining a lot of side roads with a commuter population that drives outside of the downtown core. Severe winters have hit Innisfil’s road maintenance pretty hard in the last 6-7 years, stretching the town’s budget beyond normal.
Myth: Innisfil is safer than Barrie.
This one is true! Innisfil and Bradford (as part of South Simcoe) had a crime severity index of 27 for 2018, which is incredibly low (even for Ontario’s safer communities). By comparison, Barrie’s crime severity index was 57 in the same year.Barrie is still quite a safe place to live, too (some cities score in the 200 and 300 range). Your auto rates could see a positive impact!
Myth: Your neighbourhood doesn’t have an effect on your car insurance rate.
Higher rates of reported crimes and claims can have a negative impact on auto insurance rates for everybody in the neighbourhood. You can’t always change where you live, but you should revisit your auto rate if you’re considering moving to a neighbourhood with a top-notch reputation, like Stroud.
Myth: Innisfil is isolated and you need a car to get anywhere.
Innisfil is actually better connected than most people think. It’s south of Barrie, meaning that it’s actually an ideal community for commuters heading into Toronto. The town has also begun a ridesharing program in partnership with Uber to help people get around town without cars of their own.
How Innisfil’s rates compare to other cities in Ontario
- North York: $4,261
- Etobicoke: $4,199
- Brampton: $4,071
- Scarborough: $3,825
- East York: $3,605
- Woodbridge: $3,603
- Richmond Hill: $3,579
- Mississauga: $3,473
- Markham: $3,389
- Niagara Falls: $3,321
- Bowmanville: $3,308
- Peterborough: $3,259
- Pickering: $ 3,245
- Newmarket: $ 3,216
- Hamilton: $3,201
- Brantford: $ 3,158
- Maple: $3,150
- Whitby: $3,087
- Ajax: $3,053
- York: $2,999
- Toronto: $2,983
- Barrie: $2,924
- Thornhill: $2,871
- Waterloo: $2,867
- Caledon: $2,780
- London: $2,765
- Fort Erie: $2,720
- Oakville: $2,720
- Sault Ste Marie: $ 2,713
- Kitchener: $2,705
- Milton: $2,680
- St Catharines: $ 2,550
- Windsor: $2,536
- Woodstock: $2,513
- Innisfil: $2,505
- Burlington: $2,476
- Kingston: $ 2,360
- Cambridge: $2,297
- Oshawa: $2,295
- Guelph: $2,268
- Gloucester: $2,256
- Stoney Creek: $2,222
- Nepean: $2,196
- Ottawa: $2,195
- Sudbury: $2,005
- Kanata: $2,002
- Thunder Bay: $1,973
- Wasaga Beach: $1,958
Quick tips on insurance and driving in Innisfil
Invest in snow tires, because you’ll probably commute during winter.
Even Barrie has a heavy southbound commuter population, and Innisfil is closer to Toronto than that. 44% of Innisfil’s workforce commutes outside of the region, but still within Ontario. The next 38% commutes outside of Innisfil itself, but within the region. There’s a good chance you’ll be spending time in the car, making winter tires a solid investment for your safety and your car insurance rates.
Avoid Innisfil’s worst intersections, prevent collisions, and protect your auto rate.
Collisions can hurt you and your auto rates. Avoid Innisfil’s most dangerous intersections to reduce your odds of being involved in one:
- Lockhart Road and 20th Sideroad
- Innisfil Beach Road and Sideroad 10
- Yonge Street and Innisfil Beach Road
Get comprehensive auto coverage if you live in Innisfil.
Innisfil sits right on Lake Simcoe, making storms and flooding an occasional reality for residents (as recently as January 2020). That means there’s a chance your car could sustain water damage from overland flooding.
It’s important because water damage can ruin cars. Manufacturers do what they can, but you do not want water getting into a combustion engine.
That’s where comprehensive coverage could be a shrewd decision for new and luxury cars. It would cover the cost of repairs or replacement in the event of overland flooding.
As long as you weren’t neglecting to care for your car when water damage occurs, you should have no trouble.
It may also be worth looking into coverage for overland flooding damage on your residence, as well. Not every insurance company offers it in every area, but it could go a long way toward protecting your home.
Sources for fast facts about Innisfil:
- Statistics Canada, Innisfil 2016 Census Profile
- Ministry of Transportation, 2016 Road Safety Report
- Simcoe.com, “Worst roads list released in Barrie, Innisfil”
- Simcoe.com, “IBR and Sideroad 10 worst intersection”
- Simcoe.com, “Tough winter creates crisis for Innisfil roads budget”
- Global News, “Innisfil, Ont. deals with clean-up from weekend flooding”
- Meaclean’s, “Canada’s most dangerous places 2019”
- Barrie Today, “Bradford, Innisfil jointly ranked 10th safest place in Canada”
- Simcoe.com, “Innisfil Neighbourhoods”
Source for average insurance rates by city:
- Survey of 2,800 auto insurance policy holders in Ontario
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