Canada is a nation of drivers, and Mississauga is certainly no exception. The majority of people here use cars as their primary mode of transport, and it’s not hard to understand why—Mississauga and other cities in Ontario are spread out, and personal vehicles are the easiest, fastest way to get around. Whether you are a brand-new driver or you’ve been traversing the roads for decades, it’s crucial to have the protection afforded to you by the right car insurance. Mississauga insurance brokers at Morison Insurance have the expertise to track down the best options for your coverage at the best rates so you can compare auto insurance quotes in Mississauga and choose the one that makes the most sense for your needs and lifestyle.
No matter how defensively you drive and how carefully you follow the rules of the road, driving a vehicle puts you at risk for collisions and other accidents that could damage or destroy your car and land you in court for allegedly causing harm to a third party. Mississauga car insurance allows you to mitigate the potential financial damage of those risks by making you eligible to file a claim and receive insurance compensation for costs like repairing or replacing your vehicle and defending yourself in court for an auto-related incident. It provides you with protection against major financial setbacks, but it also ensures that another party can get the compensation they’re entitled to if you are liable for causing a car accident.
Like everywhere else in Ontario, car insurance is mandatory in Mississauga. It is illegal to drive without standard coverage, and you can be penalized if you are caught on the road without an active auto insurance policy that includes accident benefits, third-party liability, direct compensation-property damage and uninsured automobile coverage.
There are multiple types of car insurance coverage in Mississauga, and four of them are required by law. Those include accident benefits, third-party liability, direct compensation-property damage, and uninsured auto coverage. Additional coverages can be added to your policy to provide further protection.
Accident benefits coverage offers key financial protection for you and your passengers who are injured in accidents involving your vehicle. It typically includes income replacement benefits to compensate for lost wages, caregiver benefits if you are incapacitated and unable to care for dependents as a result of your injuries, medical expenses for treatments, and rehabilitation benefits for necessary prescriptions or medical equipment. In the unfortunate event of a serious accident, the coverage also provides funeral allowances and other death benefits to support your loved ones during a challenging time.
Third-party liability coverage protects you against the costs associated with lawsuits from third parties related to collisions and other incidents that occur while you are behind the wheel. If someone alleges that you caused damage to their property or vehicle while driving, this coverage ensures you’re not left to handle the resulting legal costs by yourself. It can cover expenses such as legal fees, attorney costs, and possibly even income loss caused by court proceedings. This insurance is doubly important because it provides protection even in the case of frivolous lawsuits, and even if you are not liable for the allegations, you still have to defend yourself in court.
If your vehicle is damaged in a collision and you are not the one at fault, the direct compensation property damage (DCPD) portion of your car insurance in Mississauga covers damage to your vehicle and provides you with the cost of repairing your car or truck up to the coverage limits on your policy. DCPD coverage is very important because as vehicles incorporate more technological advances and the cost of auto parts rises, hiring a mechanic to repair a vehicle gets more expensive by the day. If you routinely rely on your vehicle to get you where you need to go, you can’t afford to be without it for an extended period of time, and this particular Mississauga car insurance coverage will ensure you can get back to your normal routine with a functioning vehicle.
Car insurance in Mississauga may be legally mandatory, but that doesn’t mean everyone out there on the road has adequate insurance or even any insurance at all. If you are involved in a collision and the at-fault driver either doesn’t have Mississauga car insurance or flees the scene without providing their information, you can rely on the uninsured automobile portion of your car insurance in Mississauga to provide you with the compensation you deserve.
Along with the mandatory coverage, Mississauga drivers may want or need additional protection that is not mandatory but potentially just as important for driving in Mississauga and the rest of Ontario. When the worst happens and you’re involved in an incident that causes damage to your property or someone else’s property, there are a lot of unexpected costs to consider, and most people don’t have the funds available to cover those expenses out of pocket. With a comprehensive Mississauga car insurance policy on your side, you can expect to get financial assistance with those costs and get your life back to normal as quickly as possible.
Common coverages that can be added to your Mississauga car insurance policy include:
If you’re unsure which types of coverage you need for your car insurance, Mississauga brokers at Morison Insurance are available to help. Our team of licensed brokers has the experience to ask you all the right questions and get to the bottom of what you need for your auto insurance.
Considering the average car insurance cost in Mississauga, it makes sense to consider whether you might be eligible for discounts that could reduce your auto insurance premiums and make it more affordable to have the right car insurance. Mississauga drivers pay more than the provincial average, so it’s important to get car insurance discounts when possible, and the best way to do that is to maintain a clean driving record.
If you are a safe, conscientious driver who always sticks to the rules of the road, it may make sense to consider telematics or usage-based insurance. If you opt in to telematics insurance, data is collected through your smartphone on your driving speeds and patterns, and if that data shows that you are a conscientious, safe driver, your insurer can reward you with a discount on your car insurance in Mississauga. Other discounts you may be eligible for include:
Rely on an experienced, licensed insurance broker at Morison to help you find affordable car insurance that meets all your Mississauga auto insurance needs.
If you have a personal auto insurance plan, and you get into a collision while you are using the vehicle for business purposes, the incident will likely not be covered by your car insurance. Mississauga drivers who use their vehicle for commercial reasons generally need a commercial auto insurance policy to be covered. You may need both policies if you regularly use your vehicle for commercial and personal reasons.
However, there are some caveats. If you only use your vehicle rarely for a business reason, such as driving some stock from one store to another or giving your employees a ride to a job site every now and then, you can expect that usage to be covered by your personal car insurance in Mississauga. It’s important to note that personal auto insurance in Mississauga does not cover ride-sharing businesses or providing transportation services—you need commercial car insurance with a ride-sharing endorsement for that.
It’s important to compare car insurance quotes from the best auto insurance providers in the Ontario insurance industry so you can ensure you’re getting the best rates in Mississauga, and a qualified insurance broker at Morison Insurance can help you do just that. Give us a call at 1-800-463-8074 to get a quote and find out more about auto insurance in Mississauga.