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Updated on Mar 21, 2018 08:15 pm

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Updated on Mar 21, 2018 08:15 pm

Shopping For Oshawa Auto Insurance Quotes

city of oshawa
The city of Oshawa is growing, it’s actually the seventh most populated city in Ontario according to Statistics Canada. In 2011, the population of the Oshawa area was 356,177, which is a 7.7 per cent increase from 2006. This means more people, more cars. If you’re a driver living in Oshawa and looking to save money on auto insurance, InsuranceHotline is here to help.

When it comes to auto insurance, it pays to shop around. Since no two insurers are alike, the cost to insure the same car and driver can differ among insurance companies. In some cases the difference in cost can vary by hundreds and even thousands of dollars. InsuranceHotline will help you find the insurance company with the lowest available rate.

Who Shops For Oshawa Auto Insurance?

There are multiple factors that insurance companies take into consideration when determining your car insurance rate. One of the factors in determining your auto insurance rate is your driving record (how long you’ve been licensed, tickets, collisions, licence suspensions etc.) Based on InsuranceHotline.com data we found that 72 per cent of Oshawa drivers have a clean driving history with no tickets, accidents or licence suspensions; 12 per cent of drivers admit to having at least one traffic ticket, and 12 per cent also admit to having been involved in at least one collision. The remaining drivers have at least one ticket and one accident (2.61 per cent).

Did you know where you live is one of the factors used to calculate your car insurance premium? Oshawa is a city on the move; it’s estimated that about 12 per cent of the population in Oshawa have moved in the last year (whether to Oshawa or within). So if you have recently moved to Oshawa, it’s the perfect time to compare Oshawa car insurance rates to make sure your current insurance provider is still giving you the best rate at your new address.

Driving In Oshawa

In total, 79.8 per cent of the Oshawa population is old enough to drive (16 or older), and of those who are of working age, 80.8 per cent drive to work, 6.1 per cent catch a ride with someone, and 8.5 per cent take public transit. The rest either walked, biked or got to work some other way.

If you’re a driver who would rather avoid sitting in Oshawa traffic on the way to work, the majority of people (47.7 per cent) leave for work between 7 and 9 a.m. and 31.2 per cent get up early to travel between 5 and 6:59 a.m. Adjusting your commute time could could do the trick!

Even though Oshawa is home to a General Motors assembly plant, when it comes to the types of cars Oshawa drivers own (based on InsuranceHotline.com data), the top three most often quoted car brands are: Honda, Toyota and Ford. Chevrolet is the tenth most quoted car on the list.

Oshawa Auto Insurance 101

Car insurance is a necessity; it’s illegal to drive without it and the consequences are hefty (big fines and possible licence suspension) if caught with no coverage. Because it’s required by law, many drivers mistakenly think all car insurance is the same. It’s not. Car insurance rates can vary considerably and are always changing. The best way to ensure you’re getting the best Oshawa car insurance rate is to shop around.

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, your chosen coverages as well as the deductibles you select.

Optional Coverage And Endorsements

Every province has compulsory minimums that you must have as part of you possible. However, there are optional coverages and endorsements that you can add to your policy for an additional fee. The two most well-known are:

  • 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 events like theft and vandalism.

Compare Your Oshawa Car Insurance Rates To The Rates Available Through InsuranceHotline.com

On average, InsuranceHotline.com shoppers save about $700 after shopping their car insurance rates. Compare your Oshawa car insurance rates today to see if we can help you save this (or more) as well!

Sample Car Insurance Quotes Completed for Drivers in Oshawa, Ontario

Below are real quotes that were recently completed on InsuranceHotline.com by drivers living in Oshawa, Ontario:

Driver, female, age 36, Oshawa, ON Current Rate: $2,300
2015 Jeep Wrangler Unlimited Sport 4DR Lowest Rate Available: $1,787
08/16/2016 Insurance Company: Portage Mutual Insurance
Annual Savings: $513
Driver, male, age 25, Oshawa, ON Current Rate: $2,890
2016 Toyota Corolla LE 4DR Lowest Rate Available: $2,436
08/19/2016 Insurance Company: Ayr Farmers Mutual Insurance
Annual Savings: $454
Driver, male, age 49, Oshawa, ON Current Rate: $1,600
2010 MAZDA GS 5DR Lowest Rate Available: $1,149
06/13/2016 Insurance Company: Gore Mutual Insurance
Annual Savings: $451
Driver, male, age 44, Oshawa, ON Current Rate: $1,970
2014 Hyundai Elantra SE 4DR Lowest Rate Available: $1,322
07/15/2016 Insurance Company: Pembridge Insurance
Annual Savings: $648
Driver, male, age 61, Oshawa, ON Current Rate: $1700
2011 Volkswagen GTI 4DR Hatchback Lowest Rate Available: $1,377
08/08/2016 Insurance Company: AXA Pacific
Annual Savings: $323

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