Compare and purchase the best car insurance rates in Brantford.

The average cost of car insurance in Brantford is approximately $1,250 per year. Drivers should shop around online to get the best car insurance rate possible in Brantford. There are multiple factors that affect a car insurance rating. The top rated car insurance companies in Ontario take these different variables into account, so the cost of car insurance in Peterborough will vary for everyone! To get the best possible insurance rates, we recommend contacting a licensed insurance advisor to shop the market for you to get the best deals on car insurance!

Bundle policies: By bundling multiple types of insurance in Brantford with the same online auto insurance company, you can get up to 15% savings on auto insurance and 10% savings on home or condo insurance. The discount applies to tenant (ie. renters) insurance, so even if you don’t own a home, be sure to ask about bundling options.  

Telematics: Certain insurance providers in Ontario offer discounts for participating in telematics programs. Telematics programs — also known as Usage-Based Insurance — automatically track driving behaviour and reward safe driving with discounts of up to 30%. Driving behaviour is tracked through a small digital device that gets installed in the policyholder’s vehicle and that measures factors such as speed, trip distance, braking, fuel consumption, and driving smoothness.

Pay annually: Paying your full annual premium for car insurance at one time — instead of dividing it into twelve monthly installments — will usually result in a discount on your auto insurance premiums. This is because it means drivers avoid paying for the service fees that the top rated car insurance companies in Ontario typically charge policyholders to process their monthly payments.

Winter tires: By installing four approved winter tires during the winter months (when temperatures fall below 7 degrees Celsius), drivers can typically save up to 5% on their auto insurance premiums. To be sure a winter tire meets the standards set by the Rubber Association of Canada, look for the small mountain-shaped symbol containing a snowflake.

At Surex, our three-step process will ensure that you end up with the best car insurance in Brantford. Here’s how it works:

Personalized Insurance Quotes: Surex will capture some of your basic information — either by phone or online — and then shop the market for you. In under ten minutes, you’ll have up to ten personalized insurance offers to choose from.

Customize Your Offers:  Once you receive your online car insurance quote, you can edit your information, compare insurance companies and compare quotes to find the best overall value.

Purchase and Manage 24/7: Once you’ve selected an auto insurance quote and reviewed the insurance policy with your dedicated assistant, you can electronically sign documents to receive instant proof of insurance if you'd like to get insurance online. If you’d rather speak with someone we will connect you with a Dedicated Insurance Assistant to walk you through all the options and answer any questions you might have. Once finished, your Ontario automobile insurance documents will arrive in the mail and you can manage your policy 24/7 with our ‘My Surex’ login feature.

A number of factors determine your car insurance rates. Here are a few you can consider when looking for car insurance in Brantford:

• Your mileage
• Your driving record
• Your postal code
• Your age
• The amount of coverage you want to purchase

Car insurance coverage is broken down into two categories: mandatory and optional. Here is what each coverage includes:

Mandatory coverage:

• Third-party liability
• Accident benefits 
• Uninsured automobile insurance
• Direct Compensation Property Damage (DCPD)

Optional coverage:

• Collision insurance
• Comprehensive car insurance
• Specified perils
• All perils

Shopping around affordable car insurance online can mean big savings. Rates can change, as can your personal driving situation, so don’t automatically renew with your current provider — take a few minutes to compare your rate and the best insurance coverage options, get an updated automobile insurance quote (for free on a rate comparison site), and find the most competitively priced car online car insurance in Brantford.

Typically, Brantford drivers under the age of 25 pay the highest rates for car insurance. Car insurance rates tend to drop after age 25 — providing the policyholder has a clean driving record and has never missed a payment — and then rates tend to fall again when the policyholder is in their 60s.

There are a number of measures that motorists can take to lower their auto insurance premiums in Brantford, including enrolling in an approved safe driving program, raising their deductibles, paying their annual car insurance premium all at once (instead of in monthly installments), driving fewer kilometres per year, avoiding making minor claims, never missing a payment, and bundling their insurance policies.

Can you transfer car insurance to another car? Yes. Simply let your insurance company know that you’ve purchased a new vehicle and would like to insure it. Your premium could change, depending on vehicle details, coverages added or removed, and your driving situation, but be sure that your updated policy no longer covers your old vehicle.

You need to know what you’ll get if your car is deemed a total loss (ie. the cost to fix it is higher than the cost to replace it). An ‘actual cash value’ policy means your vehicle will be replaced at its after-depreciation value, whereas an ‘agreed upon value’ means your vehicle will be replaced at a predetermined value. The different coverage types can result in differences in your car insurance rate in Brantford, so know what kind of auto insurance coverage you’re looking for, and ask your Dedicated Insurance Assistant for their professional advice.

Surex connects you with the top rated car insurance companies in Ontario to provide affordable car insurance quotes in Brantford. Your Dedicated Insurance Advisor/insurance advisor will help you to understand these quotes, and what they comprise. We know auto insurance can be a daunting prospect for some, so we always aim to make it as straightforward as possible for you. Surex also has access to quotes you might not find anywhere else, due to our strategic partnerships with insurance companies in Ontario.