As an automotive city in Canada and a major link between Canada and the neighboring USA, Windsor is one of the most unique cities in Ontario. Windsor car insurance market is one of the busiest but has one of the lowest rates in the province. Thousands of drivers and commuters are on the road daily, either commuting to work or driving around for leisure, especially between Windsor and Detroit (USA).
As obtained in other large and urban cities in Canada, driving in Windsor can be challenging, as a good number of the city’s residents drive a vehicle every day with different driving experiences. Hence, it is essential for all drivers and vehicle owners in Windsor to have proper car insurance coverage.
By law, it is mandatory for all drivers and vehicle owners in Canada to have car insurance on their vehicles. Anyone caught driving without proper car insurance will have his or her driver’s license seized, pay fines, and the vehicle may be impounded.
It is one thing to ensure that your car is adequately insured, but another thing is getting the best and lowest available car insurance rate.
Private insurance companies provide auto insurance services in Windsor. Therefore, Windsor drivers have a variety of options in terms of car insurers.
The competitive nature of the car insurance market in Windsor also implies that vehicle owners and drivers in the city are provided with different rates for the same coverage by the different auto insurance providers.
Getting the best and cheapest car insurance rate in Windsor is possible if you equip yourself with the right and proper information. This page will provide you with detailed information on car insurance rates in Windsor, how your auto insurance rate premium is calculated, and tips on how you can get lower premiums.
About Windsor
Often called the “City of Roses”, Windsor is a Canadian city located on the southwestern part of the Ontario province. The city is the southernmost part of Canada, serving as a border town between Canada and the United States. As a major contributor to the automotive industry in Canada, Windsor is famously known as the automotive capital of Canada.
With a population of over 200 thousand residents (217,188 according to the 2016 census data), Windsor accommodates several people from all walks of life who drive in and out of the city on a daily basis.
About Windsor Car Insurance
The Ambassador Bridge border crossing in Windsor, which links the city with the American city of Detroit, is the busiest commercial Canada-USA crossing. As an automotive city, it is no surprise that the city’s streets, roads, and highways experience traffic congestion and collisions. Besides, Windsor is strategically the western terminus of Canada’s busiest highway, Highway 401.
The auto insurance system in Windsor is provided by private and independent insurance companies and agencies. Although they are independent auto providers, their services and rates are regulated and approved by the Financial Services Regulatory Agency of Ontario (FSRA, formerly FSCO).
The car insurance market in Windsor is competitive in service and rates. Hence, drivers and vehicle owners need to constantly shop around for the lowest available rates. The FSCO/FSRA often recommends that drivers and vehicle owners in the province should compare quotes from at least three different auto insurance providers to get the best and lowest rates.
Average Car Insurance Rate in Windsor
An average driver or vehicle owner in Windsor can expect to pay between $1,100 and $1,350 as car insurance premiums.
Windsor car insurance rate is comparatively lower than the provincial average of $1,528 and what is obtained in other major Ontario cities like Toronto and Brampton. As earlier noted car insurance in Windsor is operated by private insurance companies, hence, there is no fixed rate for coverages. A number of factors are considered by car insurance providers in fixing premiums for different drivers in the city.
However, an average driver or vehicle owner in Windsor can expect to pay between $1,100 and $1,350 as car insurance premiums.
Types of Car Insurance Coverage in Windsor
Car insurance coverage is of two categories in Windsor. As an Ontario city, there is mandatory coverage that every driver in the city must have in their car insurance policy. Mandatory coverage provides minimal protection against legal claims. Meanwhile, there are also additional or supplementary coverage options for drivers that require extra protection.
Mandatory Coverage in Windsor Car Insurance
Third Party Liability Coverage
This coverage pays for your legal responsibility for bodily injury or property damage done to other people.
Accident Benefits
This coverage pays for the cost of your medical expenses including rehabilitation, funeral expenses, loss of income, etc. regardless of who is at fault.
Direct Compensation Property Damage (DCPD)
This coverage pays for damage to your vehicle and other properties in the car at the time of the crash.
Uninsured Motorist Coverage
This coverage protects you against injury and damage sustained in a crash with an uninsured motorist or a hit and run driver.
Supplementary Coverage in Windsor Car Insurance
Collision Coverage
This covers damage to your car, which is sustained in a collision with another vehicle or object.
Comprehensive Coverage
This covers damage done to your car in a non-collision event, such as theft, vandalism, etc.
Factors That Determine Your Windsor Car Insurance Premiums
Your Windsor car insurance rate is determined by car insurance providers based on a number of factors, some of which are beyond your control as a driver or vehicle owner. The following are some of the factors considered by car insurers to determine car insurance premiums.
- The type of vehicle you drive. This includes the year, brand, engine size, theft rate, and repair cost of the car.
- The type of coverage included ion your car insurance policy.
- Your driving history or record, including the number of speeding tickets and collision or insurance claims.
- The length of your commute and your residential location.
- Your age and gender.
How to Get Lower Car Insurance Rate in Windsor
- Shop around and compare rates from different car insurers.
- Maintain a clean driving record.
- Bundle your home and auto insurance policies.
- Increase your car insurance deductibles.
- Buy and install winter tires, and let your insurer be aware to enjoy up to 5 percent on discount.
- Pay your premiums annually to avoid administrative fees that are associated with monthly payments.
- If you have more than one vehicle, insure all your vehicles in a single policy.
Most Popular Vehicles in Windsor Car Insurance
The following are the most popular vehicles insured by Windsor drivers and vehicle owners.
- Ford Fusion
- Dodge Grand Caravan
- Dodge Journey
- Mazda
- Ford Escape
- Jeep Grand Cherokee
- Ford Focus
- Honda Civic
- Dodge Ram
- Hyundai Elantra
- Volkswagen Jetta
- Toyota Corolla
- Chevrolet Cruze
- Dodge Dart
