Milton Car Insurance: Get Cheap Auto Insurance Quotes

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Milton's lowest auto insurance rates

Driving is a way of life for residents in Milton – and by necessity, so are affordable car insurance rates.

As part of the Halton Region on the western outskirts of the GTA, Milton is one of the fastest-growing communities in the province. Today there are more than 133,000 residents, many of which commute 40 kilometres daily to work in downtown Toronto. So, there is a need for drivers in Milton to get the right auto insurance policy.

Auto insurance rates in Milton can be expensive like many other cities across the GTA. Saving on car insurance in Milton begins with comparing quotes. With ThinkInsure you can compare the best rates and coverage from the leading insurance companies in Canada. Get started online or give us a call and we'll provide you with a quick quote. Find a better rate for auto insurance in Milton today.

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5-star auto insurance in Milton

Rated 4.7 out of 5 stars in 1370 Google reviews

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josh tavares

2024-03-28

Friendly, knowledgeable, and fast service! Worked with Todd and nothing but great things to say :)

Frank Losiggio

2024-03-27

I had the most pleasesant experience dealing with Betsy Bannon. It was refreshing to find someone that knows the product and could answer my questions in a simple to understand method. Great work!!!

stefan Vincent

2024-03-19

Denise Snider Phillips was an amazing help!! She really fought for the beat price possible and was very quick and helpful through email responses. Thank you Thank you Thank you

Sean Griffin

2024-03-17

Neil Sullivan was very professional and very helpful with my situation in hand he was also very thorough and went above and beyond to help me and explained everything so I understood and his serviced were very swift and he followed upon every concern I had thank u so much neil for everything

Gina Broad

2024-03-06

Shakir was helpful and made the process quick and seamless. He got me the best rate and was easy to work with.

Cyle Enos

2024-03-04

was in between cars AND getting my license back, I was a tough case. Luckily Neil helped me go through multiple quotes for different trucks until I found the right one for me. Thanks Neil!

Karla Paniagua

2024-03-01

Just dealt with Sohel from thinkinsure and he did what 4 previous agents couldn't do, got me a policy and not just that but he got it to me within a day. 5 star service that everybody needs. Ask for Sohel @ thinkinsure!

Toraj Noei

2024-02-28

Neil was very helpful in providing me with home insurance. He was quick, reliable and informative.

Mandatory and optional car insurance in Milton

The provincial government sets the rules and laws for car insurance in Milton. All drivers must have valid car insurance in Ontario as part of these regulations. You must have a minimum of $200,000 in third-party liability coverage.

However, most residents have much higher policy limits. It’s common for people to add extra coverage for added protection. You can buy mandatory and optional auto insurance in Milton from private insurers directly or through a broker. Here is a breakdown:

Third-party liability: At least $200,000 in coverage.
Statutory accident benefits: Medical costs if you are hurt in a collision.
Uninsured automobile: Protection if an uninsured driver hits you. For example, a hit-and-run situation.

As of January 1, 2024, Direct compensation property damage will no longer be legally required. However, it will be included unless you choose to remove it. You can opt out of this coverage using OPCF 49.

Optional coverage

Collision insurance: Covers vehicle damage from a crash.
Comprehensive insurance: Protect you in non-collision events - such as theft, vandalism, and damage from other non-driving events.
All perils: Includes all perils unless they are specifically excluded.
Specified perils: Covers perils listed in your policy.

You can further customize your policy by adding Insurance endorsements to alter your coverage. Speak with our broker about your options.

Latest Milton car insurance quotes

2024/04/16

Shopper in MILTON, ON
Vehicle: DODGE/RAM GRAND CARAVAN GT 2018
CAA My Pace	$1,506
Aviva Journey	$1,701
Aviva	$1,889
Wawanesa	$1,977
Savings from top 4 cheapest quotes	$471

2024/04/12

Shopper in MILTON, ON
Vehicle: HONDA CIVIC EX-T 4DR 2017
Aviva Journey	$1,715
Aviva	$1,905
Intact	$2,403
Travelers	$2,891
Savings from top 4 cheapest quotes	$1,176

How can I get cheap car insurance in Milton?

The same rules apply to getting cheaper rates for car insurance in Milton as in other cities. Here are some ways to pay less:

Be proactive: Taking action and checking car insurance quotes regularly is a good way to reduce your premiums.
Educate yourself: Take the time to learn about the factors used by your insurance company that can influence your payments.
Combine policies: Bundling insurance into a single policy will immediately qualify you for a discount.
Get advice: Don’t make assumptions. If you are not sure about something in your policy, speak with a professional.

How much is car insurance in Milton?

Many drivers in Milton pay less than the average for their car insurance. The average in the province is approximately $1,737 annually. If you live in Milton, you can expect to pay between $1,100 and $1,400 per year for auto insurance. That is if you have a clean driving record and drive an insurance-friendly vehicle, among other things.

Living west of Mississauga and Brampton makes a huge difference. It’s common for drivers in Milton to pay hundreds of dollars less per year.

Milton driving tips and auto insurance

The rules and laws for car insurance in Milton are set by the provincial government. As part of these regulations, all drivers must have valid car insurance in Ontario. You must have a minimum of $200,000 in third-party liability coverage.

Even though Milton is known as a traffic bottleneck and a common location for accidents, auto insurance premiums tend to be lower than in other cities and regions in the GTA. Use these tips to drive safely:

Expect high traffic volume on the 401: Milton is known as a traffic bottleneck along the 401. Give yourself some extra time to get to your destination. Slow moving traffic is common.
Accidents are on the rise: According to Halton Police, the number of annual property damage collisions is on the rise. They increased by 5.5%. Collisions involving injuries declined by 4.5% during this time.
Drive safe: The city has one of the highest collision claims frequencies in the country. Drive safe and defensively to avoid being involved in a collision.
Watch out for stopped vehicles: With the large percentage of traffic accidents on the 401, it’s important to stay alert and watch out for collisions and emergency vehicles.
Be ready to slow down in construction zones: To alleviate the traffic issue, multiple construction projects along the 401 and other roads in the city are underway and ongoing. Be ready to slow down and watch out for lane realignments.

Milton car insurance FAQs

How often do Milton car insurance rates change?

Car insurance rates change often in Milton. Insurers have the right to request rate increases with FSRAO quarterly. Depending on your insurer and market conditions, you could see an increase, stay the same or decrease upon renewal. Comparing is the best way to assess your options and continuously get the lowest price.

Can I get a quick car insurance quote in Milton?

Absolutely! Getting a quote in Milton for car insurance only takes a couple of minutes of your time. You can quickly check prices online from multiple insurers for the coverage you need.

What is the best auto insurance company in Milton?

There are a lot of great insurance companies in Milton – CAA, Intact, Aviva, Wawanesa, Travelers, and many others. But what makes an insurer the best is their ability to help you get the insurance you need at the lowest price. To find the right insurer for you, it’s a good idea to compare your options. This is the most effective way to get proper coverage and for the most affordable price. We can help you do it!

Get a quote now to save on car insurance in Milton

It's easy for Milton residents can find savings on car insurance. Find the lowest rates from the leading providers in just a couple of minutes. Search for quotes online or call us to get started.

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Sources

* Based on the difference between the average lowest premium and the overall average premium in Ontario for estimates completed from January 1 to March 31, 2023, for drivers with a clean driving record.

Insurance Blog And News

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2024-04-18

Compare Milton Car Insurance Quotes

Save up to $754* with cheap rates for car insurance in Milton.

Compare Milton car insurance quotes from the leading providers

Milton's lowest auto insurance rates