Cheap St. Catharines Car Insurance Quotes

The Financial Services Commission of Ontario (FSCO) regulates rates in Ontario, including St. Catharines. Each quarter, insurers can apply to have rates increased, and in some cases decreased. FSCO either approves or denies the requests and releases the rate changes each quarter. 

That means, every three months, rates could be changing--including yours. 

If you're looking for ways to save money on car insurance, the best way to save is to compare rates at minimum every year. Car insurance rates are always changing and vary by company. Comparing rates regularly is the best way to ensure you're still getting the best rate on your St. Catharines car insurance.

There are many factors that go into determining your insurance rate, such as:

• The make and model of the vehicle you drive
• Your driving record and history
• Your insurance history, including past claims
• Your average kilometres, including how often and how far you drive
• Where you live (even the specific neighbourhood you live in in St. Catharines can have an impact on your rates) 
• Your chosen deductibles (typically the higher the deductible, the lower your monthly rate)
• Any extra coverage options that you add onto your policy, including increased limits, optional coverage and additional endorsements 

In Ontario, it's compulsory to have coverages like Liability and Accident Benefits, for example, but there are also optional coverages you can choose to customize your auto insurance policy to ensure it provides you with the protection you need. 

Some of the more popular optional coverages include:

• Collision: this covers damage to your vehicle as a result of an impact of collision with another vehicle or object.
• Comprehensive: this protects your car against damage caused by events 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.

St. Catharines is located close to Buffalo and Rochester, with other cities such as Detroit, Pittsburgh and even New York City just a drive away. 

With the American border so close, it's no surprise that drivers in St. Catharines would want to venture over from time to time. Your car insurance should carry over, but it's advisable you speak with your insurance agent first to confirm. If you're travelling there often for work or play, you may be required to obtain additional coverage to ensure your vehicle is fully protected.

St. Catharines drivers indicated that on average they drive about 14,000 kilometres a year and have a daily commute of about 15 kilometres each way. 

According to the 2016 census, of those who are of working age, 81 per cent drive to work every day while and 7.6 per cent are a passenger. The rest of the St. Catharines working population, about 12 per cent, either walk, bike, take public transit or another form of transportation to get to their place of employment. The amount of St. Catharines residents who drive to work has increased in the past few years.

Compare St. Catharines car insurance quotes today to see if you could join other InsuranceHotline.com shoppers who saved an average of $450 in 2017.