Car Insurance In Aurora
Situated north of Richmond Hill and south of Newmarket, the town of Aurora is part of the York Region in the Greater Toronto Area (GTA). With a population of approximately 62,000 residents, it’s a picturesque community within easy reach of both the city of Toronto and southern Ontario’s lake and cottage country.
With access to public transportation options, an expanding city centre, and industries such as auto parts manufacturing and printing, Aurora is a thriving community with something for everyone. From Theatre Aurora to Aurora FC or Hillary House and the Koffler Museum of Medicine, local history and initiatives abound. In addition, there’s plenty of green space for outdoor recreation, such as Sheppard’s Bush Conservation Area, Town Park Aurora, and the Aurora Community Arboretum.
If you call Aurora, ON, home, you know that having a vehicle makes life in this town a whole lot simpler. While you can walk, bike, or catch a bus, a car provides you with the flexibility to go where you want when you want. Whether you’re picking up the kids from school, commuting to work, or heading up to Lake Simcoe for a little rest and relaxation, it’s reassuring to know that your vehicle and passengers are protected by secure and up-to-date insurance.
At Westland Insurance, we understand that comparing auto insurance quotes can be a process, and we’re here to help. Our professional and experienced team, located at 15037 Yonge St., is here to understand your needs and ensure that you receive the best service and auto insurance coverage possible. Reach out to the team at our Aurora branch online, over the phone, or in person, and we guarantee you’ll rest easier knowing that you’ve left the heavy lifting to our friendly and competent brokers.
How Car Insurance in Aurora Works
In Aurora, Ontario, auto insurance is required by law and driving without it can result in serious fines and penalties. The Financial Services Regulatory Authority of Ontario (FSRAO) oversees and regulates auto insurance throughout the province, ensuring that Ontarians receive a comprehensive range of coverage options at a fair price point.
While the province of Ontario mandates that certain types of coverage must be included in every policy (see Mandatory Coverage below), car insurance is privatized in Aurora. This means that vehicle owners have the opportunity to shop around for the best policy to meet their needs, including their budgetary requirements. Taking the time to compare quotes from a variety of different insurance providers can result in substantial savings.
Car insurance in Ontario operates on a no-fault model. This means that drivers deal with claims directly through their own insurance company, no matter whether or not they’re deemed at fault in a collision.
The following four types of coverage must be included in every insurance policy sold in the province of Ontario:
- Third-Party Liability
- Third-party liability coverage protects you in the event that you cause injury or property damage while driving. It covers expenses such as medical and legal fees. Ontario drivers must carry a minimum of $200,000 of third-party liability coverage, though many drivers choose to increase their coverage to $1 million or $2 million.
- Accident Benefits
- Accident benefits insurance covers costs associated with your personal medical expenses, lost wages, and more if you’re in a car accident. This type of insurance is accessible no matter who was at fault in the collision.
- Uninsured Automobile Insurance
- In an ideal world, all drivers would carry enough insurance. But sometimes, a collision occurs when a driver is underinsured or uninsured (which is illegal). Under these circumstances, your uninsured automobile coverage will cover expenses up to the amount outlined in your policy. Uninsured automobile insurance also provides coverage in the event that you’re the victim of a hit-and-run.
- Direct Compensation Property Damage (DCPD)
- If you’re not at fault in a collision, DCPD covers the cost of repairs to your vehicle up to the amount outlined in your policy.
There are many types of enhanced automobile coverage that go beyond the minimum in Ontario. Some of the most common types are:
- Collision Coverage
- Even if you’re at fault in an accident, collision coverage covers repairs to your vehicle up to the amount specified in your policy.
- Specified Perils Coverage
- Not all damages to your vehicle are caused by collisions. Specified perils coverage protects you in the event that your car is damaged by listed perils such as hail, fire, flooding, or riots.
- Comprehensive Coverage
- Comprehensive coverage is similar to specified perils coverage except that it covers more perils (it usually includes a list of exclusions rather than inclusions, meaning that all unlisted perils are covered).
- All Perils
- If you want the broadest type of enhanced coverage, all perils will be your best option. It combines specified and all perils coverage while also protecting you in the event that your car is stolen by an employee or household member.
Aurora Car Insurance FAQ
Car insurance payments are based on a wide variety of factors, and every driver’s rates are unique. That being said, the average cost of car insurance in Aurora is estimated to be a little less than $1,600 annually.
Ontario’s provincial annual average for car insurance is approximately $1.500, meaning that Aurora’s rates are just slightly above average. They’re similar to the rates in surrounding towns and lower than those in cities like Vaughan and Ajax.
Getting the cheapest car insurance quotes is all about working with an experienced broker who understands your needs and has connections with a wide range of insurance companies—like Westland Insurance.
Many factors impact the cost of car insurance in Aurora. Here are some of the most significant ones:
- Your age
- Your gender
- Your driving history
- Your home address
- How much and how far you drive on a regular basis
- The purpose of your vehicle (work or pleasure)
- The make, model, and age of your vehicle
- Your vehicle’s safety and theft ratings
- The cost of repairs for your vehicle
- The type of insurance coverage you purchase
Student car insurance rates can be higher than average for young students who can’t produce a driving history. Students can reduce their rates by being added to a parent or guardian’s policy or by enrolling in additional driver training.
Car insurance rates for immigrants will be more affordable if a prior driving record can be provided to establish a history of good driving habits.
High-risk drivers automatically face higher-than-average insurance premiums. Speak directly with a Westland representative for more information.
Aurora drivers can reduce their auto insurance premiums by:
- Maintaining a clean driving record
- Purchasing a vehicle with excellent theft and safety ratings
- Increasing their deductibles
- Bundling multiple insurance policies through one provider
- Enhancing the safety and security of their vehicle
- Enrolling in additional driving courses
- Making insurance payments on time
Ready to find an auto insurance policy that will meet your needs without breaking the bank? Contact Westland Insurance in Aurora today!
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