If you're a new driver it will likely be a bit more expensive. It takes time to build up your driving history to show that you are not a high-risk driver. Over time, with more experience, your car insurance premium will decrease if you maintain a clean driving history.

In addition to location and your driving record, there are several other factors that go into determining insurance rates including:

• The type of car you drive
• How often and how far you drive
• The deductibles you choose
• Any optional, extra coverage you add to your policy

Some insurers offer discounts to drivers who have completed accredited driving school programs approved by the Ontario Ministry of Transportation. All approved schools are listed on the ministry's website.

In addition to the above, when it comes to determining insurance rates there are a few key factors that are taken into consideration. 

One of them is your driving record. While getting Burlington car insurance quotes at InsuranceHotline.com, almost 74.5 per cent of Burlington drivers indicated they have a clean driving history with no tickets, accidents or licence suspensions; 11.6 per cent of drivers admit to having at least one traffic ticket, and 9.4 per cent admit to having been involved in at least one collision. The remaining drivers have at least one ticket and one collision (2.2 per cent).

Where you live is another factor that's taken into consideration when calculating your car insurance rate. It's estimated that about 11.2 per cent of the population in Burlington have moved in the last year (whether to Burlington or within). If you have recently moved, now is the perfect time to compare Burlington car insurance rates.

Every province has compulsory minimums that you must have as part of your policy. In Ontario, the standard car insurance policy includes the following components that are mandatory by law: 

• Accident Benefits
• Direct Compensation-Property Damage
• Third-Party Liability 
• Uninsured Auto coverage

There are optional coverages and endorsements that you can add to your policy for an additional premium. Some of the most popular include:

• Collision coverage: this covers damage to your vehicle as a result of an impact of collision with another vehicle or object.
• Comprehensive coverage: this protects your car against damage caused by things like theft and vandalism.
• Loss of use: In case you're in an accident, this covers your transportation costs (like a rental car) while your vehicle is being repaired or replaced.
• Rental car: If you frequently rent cars, this ensures that your rentals have both collision and comprehensive coverage.
• Depreciation Waiver: If you have a new car, this endorsement ensures you'll receive the full value of your vehicle in case it ever ends up being considered a total loss.

Burlington drivers have indicated that on average they drive about 14,561 kilometres a year and have a daily commute of about 9 kilometres each way. The car brands driven most by Burlington drivers according to InsuranceHotline.com data by popularity are made by Honda, Toyota, Ram Truck, Ford Truck, Hyundai, Volkswagen, Mazda, Chevrolet, Pontiac, and Ford.

Of those who are of working age, 80 per cent drive to work in either a car, truck or van and 5.8 per cent say they usually hitch a ride, probably by carpooling. About 15 per cent either walk, bike, take public transit or another method of transportation to get to work on a regular basis.

The median commuting time in Burlington is estimated to be 20.7 minutes. Between 7 and 9 a.m., 52.5 per cent of Burlington residents leave for work, making it the busiest time to travel. In comparison, 22.1 per cent are early risers and leave for work between 5 and 6:59 a.m. Adjusting your commute times accordingly may help you avoid sitting in the morning rush.

Compare Your Burlington Car Insurance Rates Today

On average, InsuranceHotline.com shoppers save about $450 after shopping their car insurance rates. Compare your Burlington car insurance rates today to see if you could save this or more!