Car Insurance Quotes Oakville
The Most Reliable Car Insurance in Oakville: CCV Protects What Matters
It’s illegal to drive without car insurance in Oakville, just like it’s illegal to drive without car insurance anywhere else in Ontario. It’s a serious offence; individuals who are found guilty driving without auto insurance face serious consequences, such as hefty fines, driver’s license suspension, and could have their vehicle impounded. The bottom line? If you’re planning to get behind the wheel, make sure you’re insured first. The Ontario government mandates that drivers have a certain minimum amount of coverage for auto insurance so Oakville drivers only need to decide what additional coverage they might need or if they should increase their policy limits.
Play it safe when you’re on the road by getting the right auto insurance. Oakville drivers can trust in our CCV Insurance brokers who have plenty of experience in the industry when it comes to getting the right protection. We’ll spend the time finding you the car insurance in Oakville that you need at a price that is reasonable and suits both your lifestyle and budget.
Auto insurance in Oakville can be affordable. See our average figures for pricing below.
How much is average car insurance in Oakville?
$117
This is the cost of car insurance in Oakville per month.
$1,103 – $1,817
You may expect to pay within this range for your car insurance in Oakville.
$1,403
Annually, you may spend an average of this much on car insurance in Oakville.
Car Insurance in Oakville Is Affordable with CCV
When they want to learn more about our auto insurance, Oakville residents often learn a great deal through CCV’s informed brokers. We’re happy to help you explore the various types of car insurance available to you. We’ll also help you find a policy that is designed to maintain your budget.
Below, we have listed a couple of Oakville car insurance coverage options you will probably want to consider for your vehicle:
Mandatory coverages for car insurance in Oakville, Ontario :
Third-Party Liability Insurance
Medical bills, property damage repairs and replacing totalled vehicles can be hugely expensive, and not many people are willing to pay those costs out of pocket. That’s why liability insurance is a vital addition for your auto insurance. Oakville drivers should assess to see if they could benefit from purchasing additional liability coverage, in case their current coverage isn’t enough.
We also offer auto insurance designed for hard-to-insure drivers as well as collector vehicles. By working with us, we can help you to safeguard your vehicle, protect against other driver risks and ensure that you don’t have to worry about claims made against you. We can help you have peace of mind.
Accident Benefits Insurance
Accident benefits insurance is designed to cover any medical expenses incurred by you, another driver, passengers, or pedestrians if you are involved in an accident with your vehicle. Accident benefits provides compensation if anyone is injured, regardless of who was at-fault. It may cover things like income replacement, rehab and therapy treatment, and other services that aren’t covered by OHIP.
Direct Compensation Property Damage (DCPD)
This coverage is mandatory in Ontario as part of an all-encompassing auto insurance package. It provides you, the driver, with compensation if your car is damaged in an accident where you were deemed not at-fault. This is designed to support no-fault insurance systems, so each driver deemed not at-fault deals with their own insurance company to receive compensation.
Uninsured or Underinsured Automobile Coverage
Yes, having auto insurance in Oakville is mandatory. It’s required by-law, and it protects individuals and families from the serious financial repercussions that getting into an accident or causing serious injuries could result in. Being uninsured is illegal and could result in serious fines, but still some Ontarians opt to drive without. If you get into an accident with an uninsured or underinsured driver and are partially or not at-fault, this part of your coverage may cover you for any injuries or property damage.
This coverage may also help you in the event of a hit-and-run accident.
Not all car insurance options in Oakville are mandatory. Some are optional, but we highly recommend their purchase to fully insure your vehicle.
Optional coverages for car insurance in Oakville, Ontario:
Collision Insurance
In Canada, the average vehicle will cost upwards of $25,000. If you are involved in a serious accident, you could face losing this amount without collision coverage. If you are currently in the process of making car payments, it is likely that your lender will require you to purchase collision insurance. CCV Insurance’s local team can supply you with the collision insurance that you need to supplement your car insurance in Oakville so that you’re covered in the event of an accident.
Comprehensive Insurance
Did you know you can incur thousands of dollars in damages to your vehicle, even if it isn’t on the road? Hail storms, falling trees and hail storms are all incredibly detrimental to your car and can burn a huge hole in your pocket just to do repairs. Comprehensive insurance covers you for this sort of damage. If you have a lender and are making car payments you will likely be required to carry comprehensive insurance.
Did you know that if you use your vehicles to do deliveries, any claims you make may be denied?
Working for a delivery company or food service like Uber Eats or Skip the Dishes does not fall under personal usage for your vehicle. In order to have coverage, discuss commercial insurance with your broker or see if your employer offers coverage.
What Impacts Rates for Car Insurance in Oakville Ontario?
While how much coverage you have and your deductible plays a huge part in determining your rates for car insurance in Oakville, there is a lot more to it than that. There are plenty of factors you can control and some you cannot. When you know what impacts your premiums, you can make a more informed decision in purchasing coverage as you will know what measures to take to lower your overall costs.
Here are a few factors that come into play when calculating your car insurance in Oakville as a driver:
- Your demographics, such as your gender, age and marital status. Younger men are statistically proven to be involved in more costly accidents than younger women and are therefore charged with higher rates. Older men, however, have lower premiums than older women.
- Where you live. If your area is heavily populated, you might be at a higher risk of being the victim of crime, being involved in an accident or being hurt or hurting another in a collision.
- Your driving history, i.e: the accidents you have been in, your previous road infractions, etc. When you purchase car insurance in Oakville, your insurance provider will check over your driving record to determine what the odds are that you will incur many costs in the future.
- Your vehicle’s age and its make. How costly your car is to repair is a factor when determining your rates, as it will be more expensive to replace or repair. On the other hand, some older cars do not hold up as well in accidents and have a higher chance of sustaining more severe damage.
- If your car is appealing to thieves. Insurance providers will charge higher rates for vehicles that are common victims of theft.
Want more information on what factors affect your auto insurance in Oakville or how you can lower your rates? Contact CCV’s brokers today. Our experienced auto insurance brokers are always willing to help out and answer any of your questions.
CCV’s Tips for Saving on Your Car Insurance in Oakville
Understanding what impacts rates for car insurance in Oakville is a great first step to understanding how to manage your rates. See, the rates you get aren’t the rates you’ll end up being saddled with permanently. Some things will change with time – your experience, age – and some things can even worsen your circumstances and land you with more expensive premiums, like if you got involved in numerous at-fault accidents or were convicted of a DUI.
Saving is easier when you have a car insurance broker in Oakville on your side. Here’s our top tips.
- Raise your deductible as long as it’s financially feasible.
- Drop optional coverage on an older vehicle.
- Drive a hybrid or electric vehicle.
- Go paperless.
- Drive less to qualify for a low mileage discount.
- Ask about discounts and benefits.
- Compare quotes with a CCV car insurance broker in Oakville.
Why CCV for Your Oakville Auto Insurance?
Whether your vehicle has four wheels or just two, CCV has a plan for you. We believe that a personal touch has everything to do with coverage that meets your specific requirements and would never sell you a “cookie-cutter” plan that is intended as a one-size-fits-all.
Want more information on what factors affect your auto insurance in Oakville or how you can lower your rates? Contact CCV’s brokers today. Our experienced auto insurance brokers are always willing to help out and answer any of your questions.
It All Starts with a FREE Oakville Auto Insurance Quote
For car insurance quotes Oakville residents simply need to give CCV a call. We’ll talk to you about all of the insurance products available to you and help you to customize an insurance plan that helps keep your costs in line. Most importantly, we’re here for you. With our experience and dedication, we’ll work closely with you to keep your risks low. Contact us now to speak to one of our brokers for a free quote on auto insurance designed just for you.
Looking for home insurance Oakville? Visit this page to read about how we offer the homeowners of Oakville and surrounding areas comprehensive coverage for their home and its contents.
Oakville Auto Insurance FAQ’s
As always, an auto insurance broker in Oakville from CCV will be your best resource when it comes to finding coverage that is both affordable and matches every one of your requirements. Our experts are always willing to discuss with you the ins and outs of your coverage to ensure your satisfaction.
Here are a few more of the most common Oakville auto insurance questions we get asked:
Discuss with your Oakville insurance broker if you use your vehicle for any business purposes, whether that’s deliveries, driving clients around, or commuting to workplaces. Depending on the nature of your vehicle usage, you may need to acquire a commercial vehicle insurance policy or obtain coverage through your employer in order to have coverage. Your Oakville car insurance will not generally reimburse you for expenses pertaining to commercial vehicle usage.
Understanding what impacts rates for car insurance in Oakville is a great first step to understanding how to manage your rates. See, the rates you get aren’t the rates you’ll end up being saddled with permanently. Some things will change with time – your experience, age – and some things can even worsen your circumstances and land you with more expensive premiums, like if you got involved in numerous at-fault accidents or were convicted of a DUI.
Saving is easier when you have a car insurance broker in Oakville on your side. Here’s our top tips.
- Raise your deductible as long as it’s financially feasible.
- Drop optional coverage on an older vehicle.
- Drive a hybrid or electric vehicle.
- Go paperless.
- Drive less to qualify for a low mileage discount.
- Ask about discounts and benefits.
- Compare quotes with a CCV car insurance broker in Oakville.
If you’re curious about how Oakville’s insurance rates compare to the most and least expensive cities in Ontario.
The most expensive cities for purchasing car insurance in Ontario, from highest to lowest, include Brampton, North York, Mississauga, Scarborough, and Toronto. On the other hand, the least expensive cities for car insurance in Ontario, starting with the cheapest, are Ottawa, Kingston, Pembroke, Cornwall.
Oakville falls somewhere in between these two lists. This data is crucial because your location in Canada can significantly influence your car insurance costs, and Ontario drivers are known for paying some of the highest premiums in the country. However, other factors come into play. Several elements, such as your age, driving history, and credit rating, can help you secure a more affordable car insurance rate.
Discuss with your broker if you use your vehicle for any business purposes, whether that’s deliveries, driving clients around, or commuting to workplaces. Depending on the nature of your vehicle usage, you may need to acquire a commercial vehicle insurance policy or obtain coverage through your employer in order to have coverage. Your Oakville car insurance will not generally reimburse you for expenses pertaining to commercial vehicle usage.
- Annually, you may spend an average of $1,400 on car insurance in Oakville.
- Monthly, you may spend an average of $117 on car insurance in Oakville.
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Start a conversation with one of our expert Oakville car insurance brokers today to determine the right coverage for you.
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