Car Insurance Guelph

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Car Insurance in Guelph

Known as the Royal City, Guelph can be found east of Waterloo and west of Toronto, lying between the intersection of Highways 6 and 7. This city is conveniently located with easy access to Hamilton via Highway 6 and Kitchener via Highway 7. It also offers a quick commute to Toronto and London with Highway 401 just south of the city. 

For several years, Guelph has been named one of the best places to live in Canada for a variety of reasons, including a diverse economy, clean environment, low unemployment rate (lowest in Canada), and most importantly, Guelph is one of the best places to drive in Ontario. 

Whether you’re hitting the 401, commuting to the University of Guelph, or cruising through downtown, like every city in Canada, it is required for all Guelph drivers to have car insurance. Luckily, these rates can be kept to a minimum thanks to the city’s low population and uncongested streets.

What are the average car insurance rates in Guelph?

While Ontario is one of the most expensive Canadian cities in terms of car insurance, Guelph drivers are located in a way that they can avoid the inflated premiums that many Ontario drivers face. Guelph lies just far enough outside of the GTA that they can avoid having to pay the high premiums associated with that area. In general, Guelph also has safer roads with less traffic and collision rates in comparison to other areas in Ontario. As a result, Guelph drivers can expect to pay an average of $1,128 on their premium. 

As insurance rates are calculated based on several variables, your rate will vary based on your unique driving profile. The above rate is calculated based on a 35-year- old male driver with a clean record, and should simply be used as a base. As long as you maintain a clean record, Guelph drivers can still expect to have premiums lower than the current average premium for Ontario, which is $1,458. Of course, it is always recommended to shop around and compare rates in order to find the best deal for you.

What factors impact car insurance rates in Guelph?

There are several variables that are considered when it comes to determining your car insurance rates:

Save money on car insurance in Guelph by following these driving tips

Be aware of road construction 

As Guelph is constantly growing (population growth rate 2% annually), there is a significant amount of road construction that drivers should be aware of. Beyond construction sites, there are several road closures that require a detour. You can find all of this information on the City of Guelph’s website. Check out the latest updates on road maintenance and construction projects before hitting the road to make your ride as seamless as possible!

Drive carefully and courteously when driving through Guelph neighbourhoods

With so many pedestrians out and about in Guelph neighbourhoods, it is crucial that you pass through these streets with caution. By following the rules of the road and maintaining awareness, you can avoid traffic violations and conviction. The City of Guelph adopted a strong traffic management plan to curb speeding, traffic shortcutting, and other safety concerns. It will save you money in more ways than one to follow these rules. 

Stay informed on winter snow removal

It is no secret that driving becomes more difficult once the snow hits. Not only does the snow impair visibility but it also makes the roads slippery and difficult to navigate. Believe it or not, each winter the City of Guelph removes snow and spreads salt over 1,209 km of road to help keep both drivers and pedestrians safe (not to mention free of car insurance claims). It is recommended that you follow the City of Guelph on Twitter in order to receive real time updates on the latest snow removal occurrences.

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