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Shopping for St. Catharines auto insurance quotes

With more than 133,000 residents, St. Catharines is the largest metropolitan area in the Niagara Falls region. The population is poised to grow over the coming years with more families, students and professionals moving to St. Catharines and the surrounding area for school, work and to raise their children. More cars on the road means an increased likelihood of a car insurance claim, sometimes resulting in higher rates. The best way for drivers to combat this is to compare rates to ensure you’re getting the best deal on auto insurance in St. Catharines. 

InsuranceHotline.com has been helping drivers save money on car insurance since 1994. On average, InsuranceHotline.com customers save $450 when comparing auto insurance rates. Find out how much you can save by comparing quotes today from 30+ insurance providers in less than five minutes. Comparing makes saving easy and fast! 

Who shops for St. Catharines auto insurance?

Anyone looking to find a cheap St. Catharines auto insurance rate should shop around. New drivers, experienced drivers, good drivers and less than perfect drivers-all drivers can benefit by comparing their rates on a regular basis to make sure they're still getting the best deal.

Interestingly, drivers from St. Catharines who visited InsuranceHotline.com come in all shapes and sizes:

  • Almost 73.8 per cent of St. Catharines drivers have a clean driving history with no tickets, accidents or licence suspensions
  • 10.8 per cent of drivers admit to having at least one traffic ticket
  • 7.3 per cent admit to having been involved in at least one collision
  • The remaining drivers, 2.3 per cent, have at least one ticket and one accident

If you're a new driver, auto insurance will likely be a bit more expensive than if you have a few years of driving and insurance history under your belt. It takes time to build up your driving history. Over time however, with more experience (and a clean driving record) your car insurance premium should decrease.

TIP: New drivers might be eligible for discounts if they've taken training from an accredited Ontario driving school. The Ministry of Ontario lists all accredited schools on its website.

St. Catharines auto insurance 101

Car insurance is the most important necessity when it comes to owning a car. It's illegal to drive without it, but that doesn't mean you have to pay a fortune to have it. Read on to learn more about car insurance in St. Catharines and what you need to know.

Who sets car insurance rates in St. Catharines?

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.

What goes into calculating my insurance rate?

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 

What optional coverage and endorsements are available?

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.

Does my car insurance cover me if I cross the border into the States?

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.

Driving in St. Catharines

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.

Isn't it time to see if you could be paying less for your St. Catharines car insurance?

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

Fun facts from quotes completed by St. Catharines drivers on InsuranceHotline.com

Some trends we've noticed from the thousands of St. Catharines drivers who completed quotes in 2017

Average car insurance savings for drivers in St. Catharines: $196

Average car insurance premiums currently paid by drivers in St. Catharines at time of quote: $1,769


Estimated average savings for St. Catharines drivers in 2018: $205


Most popular vehicle insured by St. Catharines-based married couples: Volkswagen Rabbit/Golf


Most popular vehicle insured by singles in St. Catharines: Honda Civic


Percentage of St. Catharines drivers who have had no accidents in the past 10 years: 88%