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Car Insurance in Oakville

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Car Insurance In Oakville

We make getting car insurance in Oakville easy. Providing excellent protection, competitive pricing, professional and prompt service whenever needed is what we strive for. 

Our top-rated insurance broker team provides Oakville drivers with auto coverage that's competitively priced, where our service is always prompt, professional and personal.

We will provide you with multiple insurance quotes and expert advice so that you can choose the coverage that best suits your insurance needs. 

Do I need auto insurance in Oakville?

In Oakville, as is the case everywhere in Ontario, vehicle insurance is mandated by law. There are legally-required coverages, but if you require extra protection, additional coverages are available for purchase.

In addition to having insurance, vehicles must meet safety and environmental emissions standards. Owners must also have ownership documents verifying they own a vehicle and licence plates with valid stickers. Ontario law requires proof of insurance before registering as a vehicle owner. All of these are required before driving on Ontario roads.

Why should I have car insurance in Oakville?

Every vehicle owner in the province of Ontario must have car insurance. This is required by law. Apart from this, you should have insurance for your protection. It's essential to ensure you are insured if you are in an accident or in case of other events such as theft or damage to your vehicle.

How do I choose car insurance in Oakville?

When choosing vehicle insurance in Oakville, ensure that your policy provides enough coverage so that in the event of a loss, you and your vehicle will be properly protected. Aside from standard coverages required by law in Ontario, there are many optional coverages you may want to purchase for more fulsome protection. Help from a licensed broker is recommended. A broker will ask about your driving history and vehicle(s) such as how much you drive and where you go. The broker will explain additional accident benefits coverages which come into play if you are in an accident where injuries are incurred. The broker will also discuss other additional auto coverages that can be provided, such as comprehensive coverage, which protects you in the event of a loss or theft from events not related to driving - fire, for example.

We understand no two drivers are the same, nor are their cars or insurance requirements. Every quote we provide offers personalized insurance coverage tailored to suit each vehicle owner's personal needs or circumstances. Morison Insurance is an award-winning, full-service insurance brokerage and we look forward to working with you.

How much does car insurance in Oakville cost?

The average cost of car insurance in Oakville depends on many factors that are based on driver-specific details, as well as details about the vehicle. These factors can include the distance of your daily commutes, your insurance history, the year, make and model of the vehicle, your driving history, and more. It is also important to note that if you add extra coverage to your policy to increase protection, this will also impact your premium. 

For a quick look at the cost of auto insurance in Oakville, we have provided the following as a general guide. To obtain an accurate quote that is tailored to you, contact our brokers. 

VEHICLE

APPROX. PRICE (per year)

2018 Ford Escape Titanium

$1,160 - $2,100

2021 Dodge Ram Laramie Quad

$1,360 - $4,391

2022 Porsche Cayenne S 4DR

$2,207 - $4,118

*The prices above were provided with the assumption that the Oakville driver had a good driving record (no previous tickets or accidents), has been licensed for 15+ years and commutes to work daily. There were no discounts applied. 

How is Car Insurance in Oakville calculated?

When calculating your insurance premium, insurance companies consider several factors such as your driving experience, the year, make, and model of your vehicle, your age, driving record, who else will be driving the vehicle, where you live, and more. 

Below are some factors that can impact your insurance rate: 

  • Rural areas generally have fewer collisions which may result in a lower insurance premium. Cities with high-density populations have more collisions and theft may result in a higher rate.
  • If you have any claims or convictions, this can impact your insurance rate.
  • If you use your car for business this will likely mean you will pay a higher premium because there is a higher probability that you drive more and perhaps in busier areas.
  • Auto insurance companies can determine the likelihood your car will be involved in a collision, the possibility of theft, and how expensive it will be to repair or replace. When the risk is lower, the premium is lower.
  • The cost to pay claims is the most significant determinant of how insurance premiums are set. Some factors included in claims costs are the number of awards of injury claims, legal costs, and auto repair costs (parts and labour).

Why is auto insurance in Oakville so expensive?

Insurance premiums in Oakville can be more expensive than in some other communities in Ontario because of a number of factors including population density, an increase of fraud, as well as the cost to repair or replace your vehicle if it was stolen, damaged, or destroyed in an accident. 

Population Density

Urban areas have more people and more vehicles on the roads which means that roads are more heavily travelled. This results in a larger risk of an insured getting into an accident resulting in a loss or a claim. When the changes of accidents and claims are increased, insurance companies raise their rates. 

Fraud

An additional reason for high insurance rates in Oakville is fraud, a problem that is prevalent across Ontario. Fraudulent insurance claims - particularly accident benefits claims - are estimated to cost more than $1.6 billion each year. The result of this criminal activity is higher premiums.

Repair/Replacement Costs

The cost to repair or replace a vehicle following a loss impacts your premium. When a high-value vehicle is stolen, damaged, or destroyed in an accident, the costs can be very high. Insurance companies are aware of this and price their insurance premiums accordingly.

Your best bet is to contact a licensed broker who will shop for several prices for your insurance. We will look for competitively priced insurance solutions to meet your needs.

How do I get the best rates for Oakville car insurance?

Speak with a broker who offers car insurance in Oakville. Brokers have access to numerous insurance providers where they can compare not only rates, but they can also compare coverages. Keep in mind that you will want to ensure that you have adequate coverage in the event of a loss. Don't choose price over coverage and be stuck paying for a loss out-of-pocket. 

Get All The Discounts You Deserve

There are also many auto insurance discounts available that you may qualify for. Some popular discounts include winter tire discounts, safe driver discounts, claims-free discounts, loyalty discounts, and more. Your broker will ensure that all discounts are applied to your policy. 

Who offers the best Oakville auto insurance?

Speak with our Morison team and we will get you the best insurance protection. We work with dozens of leading insurance companies to provide you with multiple coverage options and competitive rates. Our dedicated brokers will review insurance policies with you to ensure you have the right coverage that is tailored to your needs. 

Not only do we provide car insurance in Oakville, but we also offer a wide range of insurance products to individuals across Ontario. We are your full-service brokerage. 

Where can I find reviews on car insurance in Oakville?

You can find reviews by searching for brokerages online with many positive 5-star reviews on Google. You can also go to websites that rate the best brokerages in the Oakville area, such as ThreeBestRated

We advise that you look for insurance brokers that have numerous strong reviews showcasing their level of customer service and claims service. It is also important to check if the owner responds to their reviews. Responses from the business demonstrate that they are dedicated to serving well and always improving. The odd not-so-stellar review can be expected because we are all human and no one gets it absolutely right all the time. Look for reviews that demonstrate a fairly consistent positive rating and positive comments from reviewers.

Can I get same-day auto insurance in Oakville?

Yes, you can get same-day insurance from Morison Insurance. Our brokers work with over a dozen insurance companies to get you competitive insurance quotes. We will ensure you have the best insurance coverage giving you peace of mind knowing you and your vehicle are protected. 

Where can I compare auto insurance rates in Oakville?

Compare insurance rates by contacting a full-service insurance brokerage that represents Canada's most reputable insurance companies. Brokers will contact the insurance provider to compare multiple quotes to determine the best coverage and premiums. We know your life is busy, so leave the shopping to us! 

The best part is, we will take the time to walk you through your insurance options so that you understand your auto policy. You can then decide which policy options are best for you.

Who offers the best Oakville car insurance?

Our team at Morison Insurance Oakville makes getting insurance easy. We focus on getting the insurance protection you want at competitive prices all while providing excellent customer service. We also provide one-on-one personal service throughout your policy term where your dedicated broker is available to help whenever needed. We will ensure you have the best coverage for your Oakville car. 

How do I get a quote for car insurance in Oakville?

You can get multiple quotes - not just one! - for car insurance in Oakville by contacting our broker team. We will get to work immediately and will present you with several insurance options and review the quotes and coverages with you before you make any decisions. Expect 5-star service - always. Get started today by filling out the form on our website or by calling 1-800-463-8074.

 

 

This content is written by our Morison Insurance team. It is provided for general information only. Insurance needs differ from person to person, and this article is therefore not a substitute for professional advice about your individual insurance needs which can be obtained by speaking to one of our brokers.

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