Save Money on Auto Insurance in Ontario

Do you want to save money by buying low-cost car insurance rates in Ontario, CA? Wish you could get a refund on an expensive car insurance policy? Trust us, there are lots of Ontario residents who feel the same.

A recent survey discovered that a large majority of consumers have stayed with the same insurance company for over three years, and nearly the majority have never compared rate quotes at all. With the average premium in the U.S. being $1,847, drivers can cut their rates by $860 a year just by shopping around, but they just assume it takes a lot of time to compare other rate quotes.

Companies like GEICO and Progressive constantly bombard you with ad campaigns and consumers find it hard to ignore the propaganda and take the time to shop coverage around.

Consumers need to do price comparisons before your next renewal because rates are constantly changing. Despite the fact that you may have had the best rate on car insurance on your last policy a different company probably has better prices today. Ignore everything you know about car insurance because you're going to learn one of the easiest ways to lower your annual insurance bill.

Best companies for cheap prices in California

The following companies offer free rate quotes in California. If more than one company is shown, we recommend you compare several of them to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Ontario
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $1,174 $587 $98
Chevrolet Impala LS $1,364 $682 $114
Chevrolet Silverado LTZ Crew Cab 2WD $1,592 $796 $133
Dodge Ram Crew Cab ST 4WD $1,518 $759 $127
Ford Edge SE AWD $1,364 $682 $114
Ford Escape XLS 2WD $1,174 $587 $98
Ford F-150 Lariat Crew Cab Platinum 2WD $1,490 $745 $124
Ford Focus SEL 4-Dr Sedan $1,438 $719 $120
Honda Accord EX-L 4-Dr Sedan $1,272 $636 $106
Honda CR-V EX 4WD $1,200 $600 $100
Honda Civic VP 4-Dr Sedan $1,438 $719 $120
Kia Optima EX $1,592 $796 $133
Nissan Altima Hybrid 4-Dr Sedan $1,490 $745 $124
Toyota Camry XLE $1,464 $732 $122
Toyota Corolla XRS $1,490 $745 $124
Toyota Prius $1,298 $649 $108
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,416 $708 $118
Get Rate Quotes for Your Vehicle Go

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price estimates do not factor in specific garaging location which can affect price quotes noticeably.

Auto insurance policy discounts you can't miss

Car insurance companies don't always advertise every possible discount in a way that's easy to find, so we break down some of the more common and the more hidden savings tricks you should be using when you buy Ontario auto insurance online. If you do not double check each discount possible, you are just wasting money.Discount auto insurance

  • Payment Method - By paying your policy upfront rather than spreading payments over time you could save 5% or more.
  • Defensive Driver Discounts - Successfully completing a course that instructs on driving safety can save you 5% or more depending on where you live.
  • Waiver for an Accident - Not a discount per se, but a few companies such as Allstate, Progressive, and GEICO will allow you to have one accident before hitting you with a surcharge so long as you are claim-free for a set time period.
  • Discounts for Multiple Vehicles - Drivers who insure several vehicles with one company could earn a price break for each car.
  • Active Military Service - Being on active deployment in the military may lower your prices slightly.
  • Onboard Data Collection - Insureds that choose to allow their auto insurance company to analyze vehicle usage by using a telematics device such as Progressive's Snapshot and State Farm's In-Drive could possibly reduce rates as long as the data is positive.
  • Own a Home - Just owning your own home may trigger a policy discount on auto insurance because of the fact that having a home demonstrates responsibility.
  • Paperwork-free - Many companies will give you a small discount get Ontario auto insurance on your computer.
  • Seat Belts Save - Drivers who require all occupants to use a seat belt may be able to save a few bucks on the premium charged for medical payments and/or PIP.

Just know that most credits do not apply to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. So even though you would think all the discounts add up to a free policy, companies wouldn't make money that way.

A few companies that may offer policyholders these benefits include:

It's a good idea to ask every company how you can save money. A few discounts might not be available to policyholders everywhere. If you would like to see a list of insurance companies that provide some of the discounts listed above in California, click here.

Are car insurance agents obsolete?

A lot of people just prefer to sit down and talk to an agent and that is not a bad decision One of the best bonuses of comparing auto insurance online is the fact that drivers can get cheap auto insurance rates and still have an agent to talk to. Supporting local agents is especially important in Ontario.

Insurance agency in OntarioFor easy comparison, once you complete this quick form, the coverage information is submitted to local insurance agents who want to provide quotes and help you find cheaper coverage. You never need to contact any agents because prices are sent instantly to you. It's the lowest rates without having to waste a lot of time. In the event you want to quote rates from a particular provider, don't hesitate to visit that company's website to submit a rate quote request.

Choosing a company shouldn't rely on just a cheap price. Agents should be asked these questions:

  • Which company do they place the most coverage with?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Is auto insurance their primary focus in Ontario?
  • How often do they review coverages?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Will the quote change when the policy is issued?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?

Claim statistics by make and model

What vehicles have the fewest claims? The following claim statistics show the highest and lowest cars and trucks for the probability of having claims for each type of coverage.

Vehicles with the Lowest and Highest Comprehensive Coverage Claims
Lowest Claims Highest Claims
Chevy Silverado 2500 Maserati Granturismo
Volvo V60 Bentley Continental GTC
Nissan Xterra Maserati Quattroporte
Infiniti QX50 Mercedes-Benz S Class
Chevy Spark Bentley Continental GT
Nissan Leaf BMW M6

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Medical Payment Coverage Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Chevrolet Silverado 2500 Nissan Sentra
Tesla Model S Hyundai Accent
Ford F-250 SuperCrew Mitsubishi Lancer
Ford F-350 SuperCrew Chrysler 200
Chevrolet Silverado 3500 Dodge Charger
Audi A4 Allroad Kia Forte

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Bodily Injury Liability Claims by Vehicle
Lowest Claims Highest Claims
Mercedes-Benz SL Class Kia Rio
Acura MDX Mitsubishi Lancer
Audi A6 Dodge Charger
Subaru Outback Chevrolet Sonic
Chevrolet Corvette Chrysler 200
Volvo XC60 Kia Optima

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Car Insurance Collision Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Smart ForTwo Bently Continental GT
GMC Canyon Ferrari 458
Mini Cooper Maserati Granturismo
Ford F-150 SuperCrew Bently Continental GTC
Nissan Xterra BMW 6 Series
Jeep Wrangler Nissan GT-R

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Quote more and you will save more

Low-cost car insurance in Ontario is attainable online and also from your neighborhood Ontario agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some car insurance companies don't offer price quotes online and these small, regional companies prefer to sell through independent agents.

Throughout this article, we presented quite a bit of information on how to lower your car insurance rates in Ontario. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Drivers may even discover the lowest priced car insurance comes from a small mutual company. Smaller companies may have significantly lower auto insurance rates on certain market segments as compared to the big name companies such as GEICO and State Farm.

When you buy Ontario auto insurance online, it's very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase a proper amount of coverage at the best possible price.

Additional information can be read at the links below