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Matt Hands, VP, Insurance and MoneySense
Brampton is the third-largest city in the Greater Toronto Area and one of the fastest-growing in Canada. This rapid population growth has led to the construction of new roadways to make way for all the new commuters.
Every day, hundreds of thousands of commuters drive on the 407 and 410 highways to get to work and back home. It might be the planes overhead, the population surge, or the construction but Brampton drivers pay the most for car insurance in Canada - an enormous 70% more than the provincial average.
Unfortunately, because of this, many drivers opt to go without insurance which is illegal and drives premiums up for all.
It's essential for the people of Brampton to shop around for car insurance quotes to make sure they’re paying the best price and getting the best value.
Car insurance in Brampton, and across Ontario is a requirement for all drivers. To operate a vehicle in Brampton, you must have insurance. To get the best car insurance in Brampton, it's vital to understand how it works.
Brampton operates in a no-fault insurance system. No-fault means drivers use their own insurance company regardless of who is at-fault in an accident. In other words, you only ever deal with your own insurance company for a claim or following an accident.
Ontario auto insurance is provided by private insurance carriers and is regulated by the Financial Services Regulatory Authority of Ontario (FSRAO). FSRAO ensures rate increases are substantiated. Simply put, an insurer can't raise rates without prior approval from the regulatory body and is based on their financial records.
Available Brampton car insurance coverage is broken down into two categories - mandatory and optional.
Mandatory Brampton auto insurance coverage includes:
- Third-party liability
- Accident benefits
- Uninsured automobile insurance
- Direct Compensation Property Damage (DCPD)
Optional Brampton car insurance coverage includes:
- Collision insurance
- Comprehensive car insurance
- Specified perils
- All perils
Also available in any city in Ontario are Optional Policy Change Forms (OPCF) which are coverage enhancements. Here are 4 common Ontario endorsements.
- OPCF 20 - covers the cost of a rental vehicle while yours is being repaired or replaced
- OPCF 27 - Ports your existing insurance to a rental car or car you borrow
- OPCF 39 - Your insurer forgives your first accident claim so it doesn't impact your insurance rate
- OPCF 43 - Removes depreciation in calculating the value of your car when settling a claim
Direct compensation property damage
Emergency roadside assistance
Compare Brampton car insurance quotes for free.
In less than 5 minutes, you can compare multiple insurance quotes from Brampton's top personal auto insurers. See how much you can save on your next policy today.
150 Great Lakes Dr Unit 130, Brampton, ON L6R 2K7
215 Delta Park Blvd, Brampton, ON L6T 0H9
55 Mountainash Rd Unit 6, Brampton, ON L6R 1W4
Although direct insurance companies may have expertise on insurance products, they don’t compare rates across the market to give you the best price possible. If you compare car insurance quotes with us, we’ll provide you with rates from Canada's top providers, so you can choose the cheapest option available. We’ll also connect you with a licensed Brampton insurance broker to help you with finalizing the details of your auto policy.
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How to get cheap car insurance in Brampton
Shop and compare
Research which company provides cheap car insurance in Brampton, and also the best value for you and your vehicle. Rates may change up to four times a year, but lucky for you comparing Brampton car insurance quotes with us is free.
Stay with your current insurer
Some Brampton car insurance companies will give loyalty discounts to drivers who remain active with them for years. Especially if they add family members or multiple vehicles to their policy.
Bundle your policies
If you use the same insurance company for both your home and auto insurance needs, your insurer will often thank you with a dip in premiums.
Get a multi car discount
If you have multiple drivers and vehicles in the same household, by putting them all on one policy can save you money.
Increase your deductible
Your deductible is the portion you pay when settling a claim before your insurer will pay the rest. If you’re willing to double your deductible, it could save you money.
Ask about discounts
If you’re a member of a large corporation, union, or a school alumnus, it could help you get cheaper Brampton car insurance.
Pay premiums annually, instead of monthly
Paying monthly adds administrative costs to your insurer, so if you’re able to pay in full annually you can lower your premiums.
Maintain a good driving record
If you’re a safe driver, obey the rules of the road and drive according to road conditions you can reduce your chances of an accident. Car crashes stay on your insurance record for up to ten years and can result in higher premiums.
Install winter tires
You can save up to 3-5% simply by adding winter tires to your car.
Ready to get a free Brampton car insurance quote today?
By comparing quotes from Canada's top insurance companies to find your best rate can potentially save you hundreds of dollars annually.
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Matt Hands, Business Director of Insurance
With 6+ years of experience at Ratehub.ca, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read full bio
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