Car Insurance In Dryden

Any car insurance policy you purchase in Dryden will have four fundamental types of coverage, which are mandated by the provincial government. These include:

• Third-Party Liability
  • If you’re driving and cause injury or property damage, third-party liability insurance covers costs such as medical expenses, legal fees, and repairs up to the amount specified in your policy. The minimum amount of third-party liability coverage required in Dryden is $200,000, but many drivers choose to increase that amount.
• Accident Benefits
  • Accident benefits insurance applies no matter whether or not you were deemed at fault in a collision. It covers your own medical expenses, lost wages, and more.
• Uninsured Automobile Insurance
  • This type of coverage protects you if you’re the victim of a hit-and-run or are in an accident with an uninsured or underinsured driver.
• Direct Compensation Property Damage (DCPD)
  • DCPD only applies if you’re found not at fault in a collision. It covers the cost of repairs to your vehicle.

While the province of Ontario doesn’t require any coverage beyond the four types listed above, many Dryden drivers opt for auto insurance options that go beyond the bare minimum. Common enhanced coverage options include:

• Collision Coverage
  • DCPD is helpful if you’re not found at fault in a collision, but if you are found at fault, you’ll be glad to also have collision coverage, which covers the cost of repairs to your vehicle no matter what (up to the amount specified in your policy).
• Specified Perils Coverage
  • Not all risks to your vehicle occur while driving. Specified perils coverage protects your vehicle from specific damages listed in your policy, such as flooding, fire, riots, and theft.
• Comprehensive Coverage
  • Instead of insuring against perils according to a specified list, comprehensive coverage insures your vehicle against all perils—with the exception of some exclusions included in your policy.
• All Perils
  • All perils is the broadest type of insurance coverage offered. It combines specified perils and comprehensive coverage, plus it protects you in the event that an employee or family member steals your vehicle.

The cost of every Dryden insurance policy is uniquely determined based on a variety of factors (see below). That being said, the average annual cost of auto insurance in Dryden is around $1,500.

Interestingly, the average rate of car insurance in the city of Dryden aligns quite closely with the average cost of car insurance in the province of Ontario as a whole. This means that some cities have dramatically higher rates while others have much lower rates.

Getting the cheapest car insurance quotes is all about working with an experienced and well-connected agency that truly understands your needs and can provide you with a wide range of suitable options. Westland Insurance is a perfect choice.

The cost of Dryden car insurance is affected by many factors, including:

• Your age
• Your gender
• Your driving record
• The age, make, and model of your vehicle
• How much you drive (annual mileage) and for what purposes
• Your postal code
• The type of coverage you purchase

Student auto insurance rates are often higher than average because young students can’t yet produce a driving record. Students in Dryden may be able to lower their rates by enrolling in additional driver training courses or being added to the policy of a parent or guardian.

Auto insurance rates for new immigrants vary based on many factors. Being able to produce evidence of a prior clean driving record from your country of origin will be helpful.

Car insurance rates for high-risk drivers are always higher than average. While Westland Insurance can assist high risk drivers, there are also specific agencies dedicated to working with drivers in this category.

There are always options for reducing your auto insurance rates. Consider the following:

• Bundle multiple insurance policies through the same provider
• Increase your deductibles
• Invest in a vehicle with high safety ratings and low theft ratings
• Maintain a clean driving record
• Enhance your vehicle with additional safety features (winter tires, security devices, etc.)

At Westland Insurance in Dryden, our experienced and professional insurance brokers are available to assist you online, by phone, or in person. Contact us today and we’ll find you the right coverage at the right price!