InsuranceHotline.com users in Cornwall saved an average of $589* after comparing car insurance.

Buying home and auto coverage from the same insurance company (i.e., 'bundling') can lead to savings of up to 20% on each policy. Apart from comparing quotes, it's the best way to shave off hundreds from your insurance bill immediately. Select the bundling option when completing your home or auto quote to unlock these savings when you compare quotes on InsuranceHotline.com.

In addition to bundling home and auto, insuring all the cars in your household with the same company will also create savings. You could save 10% to 20% when you insure all your vehicles under the same policy.

If one of your policy benefits has a deductible, increasing it can lower your insurance cost — just make sure you have cash saved up to pay it.

Insurance companies may offer you a lower rate if you pay your annual premium upfront instead of breaking it into monthly payments, which are costlier for the provider to process. Lump sum payments help the insurance company cut their costs, and they pass on the savings to you.

Driving on winter tires between November and April can save you 5% on your premium. Be sure to let your insurer know after you’ve installed them, be

Try comparing auto insurance quotes every year. The best time to do it is before your current insurance policy renews (your provider will let you know when your renewal date is approaching). You won’t be charged you a fee for terminating your policy early if you decide to change companies during the grace period before it renews.

Once installed in your car, a telematics device will allow an insurance company to monitor your driving habits. Insurance companies have different names for their telematics schemes, like CAA's Connect® or belairdirect's Automerit® program.

Exhibiting good driving habits while driving with a telematics device can reduce your insurance bill by 25% at renewal. Good habits mean driving at the speed limit, braking slowly, and not driving at night. Beyond that, companies don’t typically publish a ton of specifics about the kind of behaviour they’re apt to penalize. Another downside of these programs is that insurance companies in Ontario can use the data they collect to justify raising your premium.

Be sure to ask about discounts you may qualify for, including alumni and claims-free discounts.

Graduating from an accredited driving school will help you save on car insurance if you're a new driver.

The answer will vary by person. Insurance companies pool risk, and they charge you based on how much risk you present relative to the rest of the customers, also known as the 'insurance pool.' By risk, they mean how likely you are to file a claim to the company. This is the reason insurers don't offer flat-rate premiums.

Each company will assess driver risk slightly differently, so you will see variations between quotes when comparing multiple insurance companies on a rate comparison site.

At $1,289 per year, Cornwall car insurance is 25% cheaper than the provincial average of $1,744, making it one of the most affordable cities for drivers.

The claims frequency within a geographic region impacts car insurance premiums. In Ontario, these regions follow forward sortation areas (FSA), the first three characters in your postal code. The fewer claims in an FSA, the lower the average rate and vice versa.

There are still ways you can reduce your bill, even if premiums are relatively affordable in your area. Check out these 10 tips on getting the cheapest insurance in Cornwall. 

Private insurers adjust their rates in response to the number and manner of claims they receive. If there have been more collisions in your neighbourhood, you can expect your premiums to increase. In Ontario, rate changes are regulated by an independent body called the Financial Services Regulatory Body (FSRA).