Cheap Oshawa Car Insurance Quotes

Every province has compulsory minimums that you must have as part of your policy. 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.

The majority of Oshawa drivers (and drivers in general) opt to add one or both of these types of coverages to their policy. Depending on your vehicle, you may or may not decide to invest in this protection. If you're uncertain, be sure to ask your licenced insurance professional.

Many factors are taken into consideration when determining your auto insurance rate. These include:

• Your driving record 
• Your insurance/claims history
• The type of car you drive
• How often and how far you drive
• Where you live
• Your chosen coverages 
• Your deductible
• The insurance company's claims history
• Your age (discounts are sometimes available after you turn 25 and once you retire) 

There are multiple factors that insurance companies take into consideration when determining your car insurance rate, one of which is your driving record. This includes:

• How long you've been licensed
• Any tickets or 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).

In total, 83.6 per cent of the Oshawa population is old enough to drive (16 or older), and of those who are of working age, 79.9 per cent drive to work, 6.2 per cent catch a ride with someone, and 9.5 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 (41.2 per cent) leave for work between 7 and 9 a.m. followed by a significant number of early risers (30.6 per cent) who travel between 5 and 6:59 a.m. Adjusting your commute time could improve your commute!

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.

Compare your Oshawa car insurance rates to the rates available through InsuranceHotline.com

On average, InsuranceHotline.com shoppers saved about $450 after shopping their car insurance rates in 2017. Compare your Oshawa car insurance rates today to see if we can help you save this (or more) as well!