Are you a weekend driver? Do you only get behind the wheel on Saturday and Sundays to go out, do chores, see family and friends, maybe even just a road trip? We understand.
In Ontario, weekend-only car insurance is not available, however, the good news is that if you drive only a limited number of kilometres you can save on your car insurance rates. Your best bet is to reach out to an insurance broker who will help you get the best insurance coverage for your needs.
In Ontario, it’s not possible to insure your vehicle only on weekends or any particular days of the week. Ontario law requires all vehicle owners to have continuous auto insurance. This ensures coverage anytime a driver gets behind the wheel.
Driving your car only on weekends can lower your auto insurance premium, especially if you participate in pay-as-you-go and usage-based insurance driving programs. A lower car insurance rate is offered if you drive less, not because you drive only on specific days of the week.
There are many factors that impact your car insurance rate, including distance driven, your driving record, insurance history, number of years licensed, where you live, and many more. Prices differ among insurance companies, so it is always good to get numerous auto insurance quotes from an insurance broker.
Consider enrolling in auto insurance programs such as pay-as-you-go insurance or usage-based insurance. Ontario law requires vehicle owners to have continuous auto insurance that includes accident benefits coverage, uninsured automobile coverage, third-party liability coverage, and direct compensation property damage coverage. You can increase or add additional coverages to further protect you and your vehicle.
More About Usage-Based Insurance
Usage-based insurance, sometimes called telematics insurance, offers significant insurance savings for safe drivers. It tracks data such as hard braking, acceleration, and the time of day you drive. You can save between 5% to 10% when signing up and can save up to 30% over time. Usage-based insurance is suited for those who drive less and drive safely. An insurance broker can help you to determine if usage-based insurance is right for you.
Please note that, like many things, savings may be subject to change.
More About Pay-As-You-Go Insurance
Pay-as-you-go auto insurance is a money-saving option for low-mileage drivers and can be purchased for a certain number of kilometres. For example, with CAA Insurance, you can purchase auto insurance for 1,000 kilometres of driving. When you are approaching your 1,000 kilometres you are automatically billed for the next 1,000 kilometres. According to CAA Insurance's President, Matthew Turack, the number of people buying this type of pay-as-you-go car insurance policy went up 300 percent between April 2020 and February 2021.
Savings can fluctuate depending on distance driven. An insurance broker can explain further details of pay-as-you-go insurance to see if it is right for you.
No, you will not get a discount for driving on weekends only. However, drivers who drive less – regardless of which days they are on the road – can save by joining usage-based insurance programs and receiving insurance discounts. Discounts can include mature driver discount, mortgage-free discount, home and auto bundling, retiree discount, and more. An insurance broker can help you get all the money saving discounts you qualify for.
Weekend drivers can get car insurance from Morison Insurance. If you drive only a limited amount, our brokers understand that you want to pay less for auto insurance. We will customize your policy, and we always look for ways to save. Get started today by filling out the form on our website or by calling 1-800-463-8074. We look forward to serving you.
Our Morison Insurance team writes this content. It is provided for general information only. Insurance needs differ from person to person. 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.