Car insurance in Cornwall, Ontario
Located in Eastern Ontario and surrounded by the United Counties of Stormont, Dundas, and Glengarry, Cornwall lies on the Canada-US border. This leaves Cornwall as a traffic hotspot, with thousands of drivers passing through the city every day. With so many drivers on the road going from point A to B, this makes driving conditions in Cornwall less than ideal. In order to avoid a major financial loss in Cornwall stemming from a car accident, it’s crucial that you have good car insurance coverage to avoid financial loss. At Complete Car, we can help Cornwall drivers get car insurance tailored to their needs, at a price that makes sense. We will work with you to understand your specific needs and budget, and work with the top insurance companies in Canada to get you the best car insurance policy for your needs.
How much car insurance is mandatory in Cornwall?
Falling under Ontario’s provincial requirements, drivers in Cornwall must have a minimum of $200,000 in third-party liability as well as accident benefits insurance.
Third-party liability
Third-party liability saves you from the financial burden of having to pay for the medical bills and repair costs of other drivers should you be involved in an at-fault car accident.
Accident benefits
Regardless of who is at fault, accident benefits cover the costs that exceed provincial health care should the driver be injured in a crash. Having accident benefits included in your car insurance policy will cover anything from medical treatment to funeral expenses, death benefits, salary replacement, and more.
While it’s mandatory for all drivers in Cornwall to have the above coverage, it’s common amongst Ontarians to opt for additional coverage, whether collision insurance, comprehensive insurance or otherwise. This is because the minimum requirements set out by the government only provide drivers with a thin level of protection. Although having $200,000 of liability insurance may seem like a significant amount, a car accident can end up costing you your life savings depending on the extent of the damage and injuries.
Before deciding on how much coverage you need, be sure to carefully consider how much you would be willing to spend out of pocket to cover property damage, injury, legal fees, and more. Spending a bit more on insurance each month may end up saving you hundreds of thousands of dollars in the long run.
The cost of car insurance depends on your neighborhood
While the cost of car insurance varies based on province and city, it will also vary right down to the neighbourhood in which you live. RateLab.ca highlights the different neighbourhoods in Cornwall and how low your premium may be as long as you maintain a clean record:
Roads with highest traffic & collision rates in Cornwall
Below we have listed the roads in Cornwall that are known to have the highest traffic and collision rates in the city.
9th Street: With an abundance of busy intersections on 9th Street running east and west, there are 95 collisions per year on this road on average.
2nd Street East: Every year there are over 38 collisions that happen at the intersections of McConnell Avenue, Glengarry Blvd, Pitt Street, and Marlborough Street. The main reason being this is the failure to follow traffic signals and speeding.
Pitt Street and Tollgate Road: In Northern Cornwall, there are around 18 collisions taking place every year.
McConnell Avenue: McConnell Avenue is a problematic area when it comes to speeding. Between Second Street, Ninth Street, and Eleventh Street, there are up to 43 collisions annually on this road.
Brookdale Avenue between Tollgate Road and 9th Street: As the retail and business hub of Cornwall, there are constantly vehicles passing through this area. And with constant construction taking place on Brookdale, there is ample opportunity for accidents. As a precaution there are five controlled intersections and the speed limit is 50km per hour.
How do you get cheap insurance in Cornwall?
Falling under Ontario’s provincial requirements, drivers in Cornwall must have a minimum of $200,000 in third-party liability as well as accident benefits insurance.
