Car insurance in Belleville

If you aren’t sure whether to renew car insurance in Belleville, we recommend reviewing your coverage and premium to decide if your current plan is working for you. If it isn’t, find out what options you have to adjust your plan with your existing provider and how much it would cost to do so. From there, obtain quotes from other insurance companies to find out if you can get a better deal somewhere else. Since insurance companies are constantly underwriting behind the scenes, you might be surprised to learn that your current insurance provider no longer offers the most affordable coverage. Another tip for renewing car insurance is to do so before your current policy expires. Waiting until your coverage has expired can spell trouble, including more expensive rates and a longer expired car insurance renewal. So make sure to decide whether to renew your policy before it expires. If you choose to purchase coverage from a different company, plan for your new coverage to begin the day your old coverage expires.

Generally, at-fault car accidents in Ontario stay on a driver’s record for roughly six years. This means that if you cause a collision, you could be forced to pay more expensive car insurance rates for this period, until it is eliminated from your record. However, if you have accident forgiveness this can be waived in the event of your first at-fault accident.

Yes, you cannot purchase car insurance anywhere in Ontario without a valid driver’s licence. Similarly, you cannot drive anywhere in Ontario or register your vehicle with the Ministry of Transportation if you do not have a driver’s licence.

It will apply temporarily after your first move. However, you will eventually need to switch your coverage as an Ontario car insurance plan is only valid in Ontario. Anytime there is a change in address, whether you are moving within the province or outside the province, you must notify your insurance provider. Any change in location can impact your rates, and failure to provide this updated information can be considered misrepresentation or even fraud, which can lead to a cancelled or voided policy. If you are moving away from Belleville and relocating to another province in Canada, make sure to contact your provider as soon as possible. Depending on the provider, they may still offer coverage in the province you’re moving to, which could help simplify the process.

The penalties for uninsured driving in Ontario may include:

• Maximum fines of between $25,000 for a first offence and $50,000 for a second offence
• A 25% surcharge on any fines incurred
• The impoundment of your vehicle
• The suspension of your driver’s licence for a period of 30 to 365 days

Given these severe penalties, purchasing a valid car insurance policy makes the most sense.

The average cost of car insurance in Ontario per month is $150 to $450. However, it is worth noting that this is the general average for Ontario, not Belleville drivers specifically. In addition, motorists could end up paying well above or below the average amount depending on their unique circumstances. All kinds of factors come into play when an insurance agent calculates your premium, like your age, driving record, home address, the type of car you drive, and more.

Yes. Third party liability coverage is one of the mandatory coverages in Ontario. All Belleville drivers must purchase a minimum of $200,000 in third party liability coverage for their auto insurance policy to be valid. Failure to add third party liability coverage to your policy can lead to uninsured driving charges.