Car Insurance in Kawartha Lakes

Renewing car insurance in Kawartha Lakes typically happens before the end of your policy term. Since most terms last roughly twelve months, you will need to renew your policy before twelve months are up from the date you purchased it. In most cases, you will be able to renew your car insurance plan. The only exception to this is if your insurance provider cancels your policy or if you decide to move to another province or country where the insurance company does not offer coverage. When deciding whether to renew your car insurance plan, you should think about your experience with the insurance company over the past year, as well as the cost of the policy if you decide to renew. Contact your insurance provider to ask them what your premium will be next year in case there are any changes. From there, ask around and obtain quotes from other insurance companies in case a different one is offering a better deal. An insurance broker can also help you do this. Ideally, do not let your car insurance plan expire before deciding whether to renew, as the expired car insurance renewal process is usually more difficult and can even lead to raised premiums.

Auto collisions tend to remain on driving records in Kawartha Lakes for approximately six years. This is the case for any driver in Ontario, assuming the accident was the fault of the policyholder. If you did not cause the accident, it may not go on your record, which means your insurance rates may not be affected at all. However, if you get into an at-fault accident and you do not have accident forgiveness coverage or the accident is not eligible for that type of coverage, you should be prepared to pay higher car insurance rates for six years until it is removed from your record.

Yes. An insurance agent will ask for a copy of your Ontario driver’s licence when you purchase car insurance. The licence must be valid in order for the purchase to be approved. If you do not have an Ontario driver's licence, wait until you have obtained it before contacting your local insurance company.

You may be able to use your Kawartha Lakes car insurance plan immediately upon moving to another province. However, it is probably only allowed temporarily. Most Canadian provinces require drivers to switch their driver’s licences over within a month or two of moving, and you will need to do the same with your car insurance. Otherwise, you run the risk of your policy being invalidated. As soon as you decide to move provinces, we recommend contacting your insurance provider to let them know of your intention to move and to find out if they offer coverage in the province you are moving to. If they do, you might be able to stick with them as your provider, though you will still need to update your address, which could impact your rates.

A few of the possible penalties that may be levied against you if you are caught driving without car insurance in Kawartha Lakes 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

Thus, purchasing car insurance is the wisest choice you can make. Not only is it the law but the cost of being caught driving without insurance is well above the cost of purchasing a policy.

Many Kawartha Lakes drivers want to know, “How much is car insurance per month in Ontario?” The truth is that Ontario car insurance costs an average of $175 to $450 per month. This might seem like a lot, but remember that premiums vary between drivers, and there are several discounts and strategies you can employ to keep costs down. To find out how much Kawartha Lakes car insurance will cost you, reach out to a local insurance agent or broker that offers free quotes.

Yes. Third party liability coverage is one of necessary types of coverage in Ontario. Why? It is required by law. So before getting behind the wheel in Kawartha Lakes, make sure you purchase a policy that complies with local laws in Ontario, which means that it must contain at least $200,000 in third party liability coverage. Driving without can lead to an uninsured motorist charge, which may involve fines, the suspension of your licence, and more.