Car Insurance: Wheatley, ON

As the freshwater fishing capital of the world, Wheatley boasts great salmon, trout, walleye and perch. Why not spend more time on the water instead of worrying about car insurance? At HUB International, we can help you find affordable and comprehensive car insurance in Wheatley.

Tips and Tricks to Save on Car Insurance in Wheatley

It's not always super simple to save money on your car insurance in Wheatley. It helps to compare quotes from multiple insurers and to go through a broker such as HUB International. Here are some tips we've learned over our years in the business:

• The older the car, the less optional insurance you probably need.
• If you're shopping for cars, run insurance rates before you settle on a vehicle.
• You can raise your deductible quite a bit to save money on your premiums. Do have enough money saved to pay the deductible in case that's necessary one day.
• Bundle your auto insurance with another policy such as homeowners from the same insurance company.
• Look for discounts such as low mileage, mature driver and clean driving record.
• Compare rates from at least three insurers.

Four types of auto insurance coverage are mandatory in Ontario. When determining rates, insurers look at factors such as the type of vehicle you drive, your age and marital status, your driving record and where you live. For example, if you live in an urban area, your insurance is likely to be higher. If you're 25 or older, expect your insurance to cost less than if you were a teenager. Insurers do consider these factors but weigh them differently when calculating risk. That's why it is important to compare rates.

By the way, insurers are not allowed to consider factors such as these: employment status, if you have a credit card or not, accidents where you were less than 25% at fault (after September 1, 2010) and whether you own or lease your vehicle. There are many other things they're not allowed to consider, either. We can explain in more depth anything you're concerned about.