Car Insurance In Brantford

Situated on the Grand River, the southern Ontario city of Brantford is a beautiful community that’s rich in history and continues to thrive in the present day as well. With just over 100,000 residents, it’s known as the place where Alexander Graham Bell invented the first telephone and the birthplace and hometown of hockey legend Wayne Gretzky.

Because of its many trails, Brantford is a popular location for hiking and cycling. Provincial Highway 403 runs right through town, providing easy access to Hamilton and the GTA to the east and London, ON, to the west. To the south lies the Six Nations of the Grand River Reserve, which happens to have the largest population of any First Nations reserve in Canada.

In winter, residents of Brantford come together to enjoy the Chili Willy Cook-Off, while the Bell Summer Theatre Festival and Brantford International Villages Cultural Festival take place during the warmer months. From the Elements Casino to The Sanderson Centre for the Performing Arts and Wayne Gretzky Sports Centre, there’s something to do in every season and for every taste.

While walking and cycling may be popular in Brantford, most citizens also own a vehicle. Whether you’re commuting to Hamilton, going camping for the weekend, or simply wanting to run errands around town with ease, you’ll want to ensure that your vehicle is properly insured and ready to go.

Insuring a vehicle in Brantford, Ontario, doesn’t have to be complicated, but it’s important to understand your options so that you can select the right coverage at the best price. At Westland Insurance, we’re here to educate and guide our clients as they search for the perfect auto insurance.  We take pleasure in answering your questions as you navigate the process.

Below, we’ve provided an overview of auto insurance in Brantford, Ontario. Still don’t see what you’re looking for? Contact us directly by email, phone, or in person at our Brantford location at 195 Henry St., and one of our representatives will be more than happy to assist you.

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How Car Insurance in Brantford Works

Like every province in Canada, the province of Ontario has mandated compulsory auto insurance. If you own a vehicle, you must purchase insurance for it before you can legally drive it on the streets of Brantford.

Whereas car insurance is provided through the government in some provinces, Ontario has opted for a model where it’s sold through private companies instead. Although the Financial Services Regulatory Authority (FSRAO) regulates and oversees auto insurance in Ontario, this still means that there can be quite a bit of variation between different policies and price points.  Researching your options carefully can often yield worthwhile results.

In Brantford (as in the entire province of Ontario), all auto insurance is no-fault. This means that if you need to submit a claim, you’ll do it through your own insurance company regardless of who is at fault.

While some types of coverage are optional in Ontario, others are mandatory and automatically included in every policy. Mandatory coverage in Brantford includes:

  • Third-Party Liability
    • This type of coverage provides protection in the event that you injure another person or cause damage to someone else’s property while driving. It covers associated medical costs, repairs, and any legal fees up to the coverage limit.
  • Accident Benefits
    • Regardless of who is at fault, accident insurance covers medical expenses and loss of income for you and your passengers. It also extends to any pedestrians or cyclists who may have been involved in the collision.
  • Uninsured Automobile Insurance
    • If you’re involved in an accident with an at-fault uninsured or underinsured driver in Ontario, this type of coverage covers medical expenses for you and your family. It also covers you in the event you’re the victim of a hit-and-run.
  • Direct Compensation Property Damage (DCPD)
    • DCPD protects your car and its contents from the costs of property damage, but only if you weren’t at fault for the accident that caused the damage.

Optional types of auto insurance coverage in the province of Ontario can include the following:

  • Collision Coverage
    • Collision coverage protects you from the costs associated with damages from a collision, regardless of who was at fault.
  • Specified Perils Coverage
    • Specified perils coverage protects your vehicle from a specific list of losses that can include break-in, vandalism, natural disasters, human-caused disasters, and more.
  • Comprehensive Auto Insurance
    • Comprehensive coverage goes beyond collision coverage or specified perils coverage. It can protect the policyholder from damages caused by falling or flying objects, impact with an animal, and more.
  • All Perils
    • All perils auto insurance offers the most coverage of any option. In addition to what’s included in collision coverage, specified perils coverage, and comprehensive auto insurance combined, it also protects you in the event that someone in your household steals your vehicle.

Car Insurance FAQ

Compared to the Ontario provincial average of over $1,500 annually, the average yearly cost of car insurance in Brantford ranges between $1,000 and $1,400. This puts it on the lower end of insurance in Ontario, but averages don’t tell the whole story.

Your individual insurance rate may be impacted by many different factors (see below).

Vaughan and Ajax top the list of most expensive Ontario cities for car insurance. Compared to their average annual rates of over $2,000, Brantford’s average rates are more reasonable. While some locations like Kingston and Cornwall pay significantly less, Brantford’s rates make it one of the more affordable places to own a vehicle in Ontario.

There is no specific insurance agency that offers cheap auto insurance. The price of auto insurance is based on many factors (see below) and for that reason, two different individuals may each find a better deal through different providers. That’s why it’s important to take the time to do research and compare quotes for Brantford auto insurance.

The cost of car insurance is impacted by several factors. These can include:

  • Location – Insurance companies assess the likelihood of a claim being made in the area you live in and set their pricing accordingly. Population density as well as statistics for collisions, theft, vandalism, insurance fraud, and more, are all taken into consideration.
  • Driver Demographics – Your age, gender, and driving history all impact your insurance rates.
  • Type of Vehicle – The safety scores of your vehicle, along with statistics about its likelihood of being stolen and the cost to repair it will all be taken into consideration. Of course, the age, make, and model of your vehicle are also factored in.

Because most younger students don’t have a driving record, Brantford auto insurance can be pricey for them. Savings can often be accessed if they can be included on a parent’s policy. In addition, students may be able to reduce their car insurance premiums by seeking out specific discounts, completing additional driver’s training, or simply comparing quotes from multiple auto insurance companies.

Like students, new immigrants may face higher premiums for car insurance in Brantford if they can’t produce a driving record. If you are a new immigrant looking to purchase auto insurance, it’s recommended to provide a copy of your driving record from your past insurance provider, if possible.

Across Canada, high-risk drivers are subject to higher auto insurance premiums than other drivers. Brantford is no exception. If you’re seeking Brantford car insurance quotes as a high-risk driver, consider locating companies that work specifically with high-risk drivers to find insurance solutions.

There are several possible ways to reduce the overall price of your Brantford auto insurance. Try one or more from the list below to take advantage of savings:

  • Maintain a good driving record (this one can be a game-changer).
  • Submit your insurance payments on time.
  • Bundle your auto insurance. (In other words, take out policies through the same agency for your house, car, and other insurance needs. This can often result in substantial discounts.)
  • Research vehicle ratings before purchasing. Vehicles with high safety ratings and low theft ratings tend to cost less to insure.

At Westland Insurance in Brantford, we’re always ready to assist you with your car insurance needs. Connect with us by email, phone, or in person, and we’ll be happy to answer your questions and provide you with a prompt and personalized quote. Contact us today!

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