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Cheap Car Insurance in Burlington, Ontario

Burlington lies between Lake Ontario and the Niagara Escarpment in the Golden Horseshoe. With a central location, Burlington, Ontario is part of both the Greater Toronto Area and Hamilton area. This municipality of 176,000 people has some of southern Ontario's busiest roads with Highway 403 and the QEW running through it with an on ramp to Highway 407 near Burlington's north end. Burlington roadways are often clogged with commuters on their way to Hamilton, Niagara Falls, and Toronto.

With its central location and congested highways, Burlington has a higher rate of accidents and traffic tickets than Ontario as a whole. This translates into higher insurance premiums as well. Here's what you should know about finding the most affordable car insurance coverage in Burlington.

Facts About Driving in Burlington

Did you know Burlington drivers are twice as likely to get a speeding ticket than get into an accident? 23% of drivers in the city have received a ticket compared to 10% who have been in an accident. Male drivers in Burlington are also three times more likely than women to get a ticket. Here are some tips to help you avoid an accident or traffic ticket in Burlington.
  1. Don't park on residential streets between 1am and 6am It's a common myth that you can safely park on residential roads in Burlington at any time of the day. The truth is Burlington by-laws ban parking on residential roads between 1am and 6am and this is a common cause for tickets. You may be able to file for a temporary exception, however.
  2. Parking at Spencer Smith Park isn't free Most parks and recreation areas in Burlington offer free parking if there isn't a special event going on. This causes many drivers to assume that parking is also free at Spencer Smith Park. Be careful; you need to pay a fee to park there!
  3. Take advantage of public transit Why bother with the hassle of traffic to get around in Burlington? The city's transit department offers bus connections to the Oakville and Hamilton transit systems to make your commute easier. There are also stops throughout the city on the Lakeshore West GO Train line.
  4. Find alternative routes to the Skyway Bridge Traffic to the Skyway Bridge is usually congested and sometimes blocked off when there's an accident. Make sure you have alternative routes planned to get to the Skyway. You should also plan routes to avoid the Skyway completely to make it easier to travel out of Burlington.

Understanding the Types of Auto Insurance

As you shop for insurance, remember there are different types of coverage. You will probably get six kinds of insurance coverage with a single auto policy:
  • Bodily injury liability coverage. This covers you if you cause an accident and someone else gets hurt.
  • Property damage liability coverage. This covers you if you cause property damage. An example is hitting a fence or building with your car.
  • Collision coverage. This protects you against damages to your vehicle after a collision with another vehicle or some other object.
  • Comprehensive coverage. This protects you if your vehicle is stolen or otherwise damaged in a situation that doesn't involve a collision. An example is a tree falling on your car after a storm.
  • Accident benefits coverage. This type of coverage can cover income replacement, funeral costs, and medical costs for you and family members after an accident.
  • Uninsured motorists coverage. This pays for injuries if the other driver does not have insurance. While uninsured motorists coverage isn't mandatory in Burlington, there are thousands of drivers on the road who don't have the required insurance!

How to Get Cheap Car Insurance in Burlington

Did you know there are actually plenty of things you can do to lower your auto insurance premium? Here are some ideas to get cheap car insurance in Ontario.
  • Pay Your Full Premium Most people pay their insurance in monthly installments. Did you know paying your premium in full can actually save a significant amount of money? Paying in full avoids the monthly fees that many companies charge and you can even get a discount. Most companies offer a reduced rate as an incentive for paying in full.

  • Raise Your Deductible The deductible is the amount you pay if you need to make an insurance claim before the insurance starts paying out. For example, if you make a $1,200 claim and you have a $200 deductible, you will pay the first $200 then your insurance company pays the remaining $1,000.
    When you raise your deductible, your premium will go down anywhere from 10-30% on the comprehensive and collision coverage. Just make sure you can still afford your deductible. While you may save a great deal by raising the deductible to $1,000, it won't help you if you're in an accident and can't afford to pay your deductible. To protect yourself, put the money you save on your car insurance into your savings account so you have it if you need it.

  • Skip Comprehensive or Collision on an Old Car If you have an older vehicle, it doesn't always make sense to pay for comprehensive or collision coverage. After all, the cost of your deductible and the premiums may be more than the value of the vehicle. If your car is worth less than $3,000, consider dropping these coverages and stick with liability insurance.

  • Ask for Discounts! The easiest way to save on car insurance in Burlington is asking about insurance discounts. There's a good chance you can qualify for several discounts, but you won't know if you don't ask. You may get a discount of 5-20% off your premium for having an anti-theft device, having other insurance policies with the company, having a good driving record, taking driver's education courses, being accident free, having a new car, or having a passive restraint system.

  • Compare Insurance Quotes Finally, take the time to shop around for car insurance quotes every few months. Don't assume that the company you've been with for years is offering you the best rate, as auto insurance companies tend to offer the lowest rates to new -- not loyal -- customers.

It's a good idea to regularly get quotes for car insurance to make sure you're getting the most affordable premium. Always make sure you're getting at least the required amount of coverage and compare apples to apples, which means comparing quotes for the same level of coverage.