Why choose Complete Car?
At Complete Car, we’re proud to offer the best car insurance to drivers in Mississauga at the most affordable rates. Mississauga drivers come to us with their car insurance needs for the following reasons:
Car insurance rates in Mississauga
Located in Ontario, one of the most expensive provinces in the country when it comes to car insurance, insurance premiums in Mississauga definitely aren’t cheap. In fact, the average cost of car insurance in Mississauga is $3,511 per year, which is a whopping 43 percent higher than the provincial average of $1505. As you can see, car insurance rates can vary in cost significantly. Since there is no way around having to purchase car insurance in Mississauga, it is essential that you compare car insurance quotes online before choosing a policy. At Complete Car, we can help you do just that. If you’re in the market for a new car insurance policy, or are looking to save money on your existing policy, let us help you! With so many insurance companies to sift through, we can match your needs with suitable, affordable coverage, and the best part is, we do it all for free!
Is car insurance mandatory in Mississauga?
Yes, every driver in Mississauga is required to have a valid car insurance policy. Falling under Ontario’s legislation, it is mandatory for drivers in Mississauga to have the following insurance coverage:
Optional coverages
As it is always better to be safe than sorry, many drivers choose to purchase greater coverage beyond the minimum requirements. For example, it is very common for Mississauga drivers to add collision or comprehensive coverage to their car insurance policy for extra protection.
What impacts my car insurance rates in Mississauga?
The type of car you drive: As you may have heard before, the type of car you drive will impact your insurance rates. Mississauga insurance brokers will consider many factors related to your vehicle, including the original sticker price, repair costs, safety ratings, and the model’s claims history.
Your driving record: Insurance companies favour those in Mississauga who maintain a clean record. They see drivers with a clean driving record to have a lower likelihood of filing an insurance claim. Alternatively, those with a number of traffic convictions on their record are likely to be faced with higher insurance premiums.
Your mileage: The amount of mileage you put on your vehicle directly impacts your insurance rates. The more time you spend in your car, the more kilometers you accumulate, and the higher your chance is of being in an accident. On the other hand, those who only use their cars occasionally will have lower insurance premiums. You can likely lower the amount you spend on insurance by choosing to take public transit for your daily commute.
Your age: Whether you’re an excellent driver or not, young drivers are given high insurance premiums. Their lack of experience makes them a higher risk on the road and as a result, insurers will give you high rates. Taking a driver’s education course can help you save. As long as you keep a clean record, you can expect rates to decrease as you become more experienced, usually after 6-10 years of driving.
Your claims history: As you may be able to assume, the more claims you file, the more you will pay in insurance. It’s as simple as that.
Your postal code: While your insurance rates vary based on your province and city, they will also fluctuate right down to your postal code. The reason for this is that some areas will have higher collision and claim rates than others. With over 400 postal codes in Mississauga, there is plenty of room for variety!
The postal code with the cheapest insurance in Mississauga is Lorne Park and Port Credit (L5H) at $2,644 per year. The postal code with the most expensive insurance in Mississauga is Meadowvale (L5W), sitting at an average of $3,938 per year.
How do I get the cheapest car insurance in Mississauga?
Buying car insurance doesn’t need to be scary! Every Mississauga insurance broker is competing for your business and will do their best to offer you an attractive quote. Whether you’re a new driver looking for the cheapest insurance possible or are looking to find a better deal than what you’re currently paying, it’s never a bad idea to shop around and compare car insurance quotes online. At Complete Car, we can’t wait to help you find the best insurance policy suited for your needs.
Tips for driving in Mississauga
It’s no surprise that the roads in Mississauga can become heavily congested and accident-prone. As a result, we have put together a few tips for driving in Mississauga to make sure that you stay claim-free!
- Make sure that you always come to a full stop at pedestrian crossovers and school crossings. Should a pedestrian be present, drivers must be fully stopped and let them completely cross before advancing. This is one small action that can end up costing you big. If you break this law, you are looking at a fine of anywhere from \$150 to \$500 and three demerit points. Should you be in a school or community safety zone, the penalties double.
- Don’t speed. While following the speed limit is one of the most common rules of the road, many drivers get caught speeding and end up with otherwise avoidable fines. Many neighbourhoods in Mississauga have lowered their speed limits to 40km/ hr.
- Be aware of cyclists. Drivers share the road with several cyclists and need to be careful of their surroundings. While there are definitely more bikers in Toronto, cyclists are on the rise in Mississauga and need to be looked out for! This is especially important in peak months including July and August.
Why is car insurance in Mississauga so expensive?
Mississauga has a population of almost one million people, and many of these individuals are also drivers. What does this mean? More cars on the road leading to the increased chances of an accident or theft. This combination results in a higher frequency of insurance claims, raising insurance premiums for drivers in this city.
Being part of the GTA, Mississauga has major highways passing through the city, providing drivers with an easy commute to Toronto, and all other cities within the GTA. Whether Highway 401, Highway 403, QEW, or Highway 407, high traffic volumes are no strangers to Mississauga drivers. Other busy roads in Mississauga include Lakeshore Road, Eglinton Avenue, Hurontario Street, Winston Churchill Boulevard, Britannia Road and Mississauga Road. There are so many vehicles on the road daily including commuters and visitors, creating plenty of opportunity for accidents.
How does Mississauga car insurance compare to other cities in Ontario?
While car insurance in Mississauga is quite expensive on average, it is actually on the cheaper side when compared to other cities in the GTA.
Below we have ranked the six most expensive areas in the GTA when it comes to auto insurance.
- Brampton
- Scarborough
- North York
- Etobicoke
- Mississauga
- Toronto
