What are the main factors impacting North Bay auto insurance rates?
There are dozens of factors used by providers to determine how much you will pay for auto insurance in North Bay. Some you have control over, others you don’t.
Here are some of the main factors affecting your premiums:
- Car: The type of automobile you drive will impact your costs. Look for vehicles with a good safety rating, add security devices, and choose vehicles that are not typically targeted by thieves.
- Driver: Your age, gender, driving experience, and driving record play an important role in determining your insurance costs.
- Record: Claims, tickets, and at-fault accidents on your record will cause your premiums to increase.
- Location: Where you live, where you drive, and how far your drive daily is all considered by insurers when setting fees.
North Bay driving tips
The city is about a 4-hour drive from Toronto and one hour from the Quebec border. It is known for its proximity to the Canadian Shield. Highway 11 and Highway 17 (Trans-Canada Highway) merge and run through the city. These are the two main routes in North Bay. It serves as the main transportation hub for Northern Ontario.
Since most North Bay residents rely on driving to get around, having affordable auto insurance is important. Use these tips to drive safely and to help keep your rates down:
- Prepare your vehicle for winter driving: With torturous driving conditions, road closures, and poor conditions, it’s important to ensure your vehicle is prepared for winter driving. Always travel with an emergency kit and be prepared for anything when driving outside the North Bay city limits.
- Get Winter Tires: Winter tires are necessary. North Bay gets lots of snow and roads become slippery during the winter months. Plus, having winter tires qualifies you for a discount.
- Watch Out For Wildlife on the Trans-Canada Highway: Wildlife is prevalent along the Trans-Canada Highway. Be on high alert for deer and other animals along the roadway, especially early in the morning and late at night.
