Car Insurance In Port Perry
Just an hour and a half northeast of the centre of Toronto lies the charming and vibrant town of Port Perry. A world away from the big city’s urban landscape, it’s a cottage country hideaway on the shores of Lake Scugog. With a population of just under 10,000 residents, Port Perry is a commercial hub for nearby smaller communities such as Greenbank, Caesarea, and Raglan. Its Victorian-style downtown and waterfront are alive with restaurants, shops, and galleries.
In the summer, Port Perry epitomizes lake life at its finest. Festivals, music in the streets, horse-drawn carriage rides, and patios along the water draw tourists and local residents alike. In winter, skating on the frozen lake amidst sparkling holiday lights is a popular experience. With amenities like Lakeridge Health and the Great Blue Heron Casino, Port Perry offers something for everyone.
If you’re lucky enough to call Port Perry home, you know that it’s a pretty, safe, and family-friendly community. But life in Port Perry without a car can be a big challenge. Whether primarily for commuting, running errands, or exploring Ontario’s wilderness, most Port Perry residents own a vehicle. And that means easy access to comprehensive and affordable car insurance is key to life here.
Fortunately, Westland Insurance’s Port Perry location provides personalized service that aims to meet the needs of its local community. We work with the biggest insurance companies across Canada to find you the best auto insurance options at the most affordable prices, yet we still build relationships with our clients and know many of them by name. To experience the Westland difference, contact one of our friendly and knowledgeable representatives directly online, by phone, or in person at our Port Perry branch, located at 181 Perry St.
How Car Insurance in Port Perry Works
In the province of Ontario, auto insurance is mandatory, and if you drive without it, you’re breaking the law. The Financial Services Regulatory Authority of Ontario (FSRAO) oversees car insurance in Ontario to ensure that plans and prices remain fair, but the auto insurance industry itself is privatized (unlike in some provinces where auto insurance is provided through the province). This means that vehicle owners can shop around and compare quotes to find the right coverage at the best price.
No matter what policy you end up selecting, you can rest assured it will include the following four types of coverage, which are mandatory throughout Ontario:
- Third-Party Liability
- In the event that you accidentally injure someone or cause damage to property while driving, third-party liability insurance covers the cost of legal fees, repairs, and medical bills up to the amount specified in your policy. The minimum amount of third-party liability insurance that all Ontario drivers must carry is $200,000.
- Accident Benefits
- Available to you no matter who’s deemed at fault in a collision, accident benefits insurance covers costs associated with personal expenses resulting from a car accident (medical expenses, lost wages, etc.).
- Uninsured Automobile Insurance
- If you’re in a collision with a driver who is underinsured or illegally driving uninsured, uninsured automobile insurance will cover you. It will also cover you in the event that you’re the victim of a hit-and-run.
- Direct Compensation Property Damage (DCPD)
- DCPD covers the cost of repairs to your vehicle after a collision, but only if you’re not found at fault.
If you want to go beyond basics to increase your peace of mind, there are plenty of enhanced coverage options for your Port Perry vehicle:
- Collision Coverage
- Collision coverage is similar to DCPD, except that it covers the cost of repairs to your vehicle after a crash, even if you were at fault.
- Specified Perils Coverage
- Specified perils coverage protects your vehicle from damages that may not stem from a collision. A list of covered perils includes things such as fire, hail, flooding, and riots.
- Comprehensive Coverage
- Similar to specified perils but broader, comprehensive coverage protects your vehicle from all perils, with the exception of a list of exclusions.
- All perils
- All Perils is the broadest form of enhanced coverage you can purchase. It combines specified perils and comprehensive coverage plus also protects you in the event that your vehicle is stolen by a household member or employee.
Port Perry Car Insurance FAQ
That depends on a wide variety of factors (see below) and will vary from person to person and vehicle to vehicle. That being said, the average cost of car insurance in Port Perry is estimated at around $1,600 annually.
The average cost of car insurance in the province of Ontario is estimated between $1,500 and $1,600 annually, so Port Perry is fairly typical. While places like Kingston and Elizabethtown have much lower average rates, rates in cities like Ajax and Vaughan are much higher.
It’s not about where; it’s about who you work with. The experienced and well-connected brokers at Westland Insurance will explore all the options to help you find the best policy for your needs at a price point that suits your budget.
Many factors can affect the cost of your Port Perry auto insurance. Some of the most common include:
- Your age, gender, and driving record
- The age, make, and model of your vehicle
- How much you drive, and for what purposes
- Your vehicle’s theft and safety ratings
- Your postal code
- The type of insurance coverage you purchase
Auto insurance rates for students are often higher than average, especially if no prior driving record exists. Young students can save on their auto insurance by taking additional driver training and/or being added to the policy of a parent or guardian.
As with students, new immigrants may be subject to high car insurance premiums if they lack a documented driving history. Auto insurance rates for new immigrants are likely to be reduced if evidence of a prior clean driving record can be produced.
Auto insurance rates for high-risk drivers are always higher than for the general public. Many high-risk drivers opt to deal with specifically dedicated insurance agencies to find auto insurance coverage.
You can reduce your car insurance premiums in the following ways:
- Maintain a clean driving record
- Increase your deductibles
- Pay your insurance fees on time
- Bundle multiple insurance policies through one provider
For superior Port Perry insurance brokers who will help you find exactly the coverage you need promptly and at the best price, contact Westland Insurance today!
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