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Get Richmond Hill's best auto insurance rates

Are you tired of expensive auto insurance in Richmond Hill? You should be. But it is something you must manage when you live in the GTA.

Richmond Hill is an affluent town in the York Region, north of Toronto on the other side of Highway 401. Only being 30 minutes from downtown, it’s an ideal commuter location. One of the fastest-growing cities, there are over 200,000 residents on Richmond Hill – and all of them have a similar goal – to reduce their auto insurance rates.

Even though high rates are common in Ontario, you can still save money. How? You can pay less for auto insurance in Richmond Hill by working with an insurance expert to find the lowest premiums.

Compare quotes annually from the top insurance companies to maximize savings and keep more money in your pocket. At ThinkInsure, we help our Richmond Hill customers save with more affordable car insurance quotes.

How to compare auto insurance quotes in Richmond Hill

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5 star Richmond Hill car insurance

Rated 4.7 out of 5 stars in 1192 Google reviews

See what our customers are saying about how we meet their car insurance needs.

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Jay Stewart

2022-03-30 19:49:47

I started at 11 and was done and insured on my car before 3pm today March 30th Wednesday! I’m so excited and ecstatic that I’m back on the road, all thanks to the best man on the team Daryl Fardy! He was even willing to work with me a little extra long, if I needed which we did not. The service was absolutely amazing, I highly recommend Daryl Fardy.

Robert Raymond

2022-03-28 17:29:22

Was provided excellent help from Kimberly Laidis, all my questions and help I needed were provided by her fast and friendly!

jeremy severin

2022-03-24 22:58:07

I called and spoke to Ryan Arcuri To get insurance he went above and beyond because I was going to lose my insurance and in an hour he got me what I needed thanks again

Jay McCulligh

2022-03-23 21:59:36

Great place, quick, easy to deal with, I dealt with Darryl Fardy, very professional!

Russel Baskin

2022-03-23 13:38:02

I was helping my mother insure her car and home with ThinkInsure. Ryan Arcuri was patient and very helpful. He made took us through the steps to get coverage and cancel our existing policy. I would go back to Ryan with any future insurance needs.

Dylan Nash

2022-03-18 02:03:37

Darryl was awesome. Quick easy gave me the best price in town.

Aaliya

2022-03-15 22:24:31

Darryl Fardy made my experience with think insure amazing. He's friendly, informative and dependable. Would definitely recommend him to others.

Stephanie Lewis

2022-03-08 18:12:28

Great service from the get go. Dave answered all of my questions and even found a few mistakes that I made in my initial quote request, which ended up lowering the initial price. He found the best price and I recieved all documents in a timely manner. I would recommend, especially if you are a "high risk" situation, which I was.

How does car insurance work in Richmond Hill?

Car insurance works the same in Richmond Hill as it does throughout Ontario. It is mandatory and all drivers must carry a minimum amount of coverage. You can take out extra coverage to increase your plan limits.

You can buy insurance from private insurance companies directly or through an insurance broker. Your options vary based on the insurance company. Coverage is divided into mandatory and optional :

Mandatory car insurance in Richmond Hill

This is included in all policies :

$200,000 in third party liability
Accident benefits
Uninsured motorist
Direct compensation property damage (DCPD)

Optional auto insurance in Richmond Hill

You can add this to enhance your plan :

Collision
Comprehensive
Specified perils
All perils

Want a cheap car insurance quote in Richmond Hill?

Do you have the cheapest car insurance in Richmond Hill? Most drivers don’t. But a little time and effort can help you change this.

To reduce how much you pay, it’s important to shop around and review your options before you buy a new policy or renew your existing policy.

Shopping around and comparing premiums allows you to see what insurance companies have to offer and helps you make an educated decision.

We make the auto insurance quote comparison process quick and easy for people in Richmond Hill. Our customers get the best coverage, and industry leading advice and support.

Why are Richmond Hill car insurance rates so high?

Richmond Hill car insurance rates are higher than drivers would like. Many factors contribute to the higher than average rates in the area :

Higher traffic volume
More accidents
Fraud
Increased risk to drivers
The younger population of residents

How much is car insurance in Richmond Hill?

While Richmond Hill car insurance rates are not as high as car insurance in Toronto or other cities in the GTA, they are still higher than the average Ontario car insurance quote.

Average auto insurance premiums in Richmond Hill are about $1,750 annually. The provincial average is $1,634. You can expect to pay approximately $150 to $175 per month. Your rates will vary based on your location within the city, your driving record, and other considerations.

Tips to get more affordable car insurance in Richmond Hill

We all want to save as much as possible on our auto policy. Don’t you? Here are some ways to get cheaper car insurance in Richmond Hill :

Knowledge : The more drivers know about how insurance works how the more they can save. Understanding the many
Advisors : Use an advisor to help you assess your options. We have access to rates and policies from top insurance companies in the industry.
Compare : Comparing quotes from multiple insurance companies is the best way to make sure you are getting the lowest price.
Review annually : Review your policy and insurance needs annually. Make sure you have proper coverage and it’s also a good time to compare prices.

Richmond Hill driving tips

Where you drive matters. The city is surrounded by highways. This commonly creates traffic, accidents, and other delays. Drivers can take Highway 7 and Highway 401 to travel east to west or take highway 404/DVP to drive into downtown Toronto. Drivers also have easy access to Highway 407 ETR toll route. The area is made up of several diverse neighbourhoods – Oak Ridges, Mill Pond, Yonge Street, Bayview Hill, East Beaver Creek, and Jefferson. Here are tips to drive safely:

Invest in a 407 ETR transponder : If you drive on the highway often, you may want to invest in a 407 ETR transponder. Using the 407 will save you time and help you avoid traffic.
Highway options for commuters : The city has an excellent road system. Use Highway 7 or Highway 404 to make your way across town quickly. Use Leslie Street, Major Mackenzie, Yonge Bathurst or one of many other options if the 404 or Highway 7 is backed up.
Drive safe on Highway 7 : As a major route for travelling east/west in the city, expect high traffic volume and more collisions. Drive safe!
Get winter tires : Even though it’s only 30 minutes from downtown Toronto, the city gets significantly more snow. Get winter tires and drive safely on Highway 404 and other major routes during the winter.
Intersections with high collisions : Yonge Street and Carrville Road have the highest accident frequency. Other intersections with more high collisions include Major MacKenzie Drive East and Bayview Avenue, Yonge Street and Elgin Mills Road, and Highway 7 and Leslie Street. Drive safe in these areas.

Richmond Hill car insurance FAQs

How can I lower my car insurance rates in Richmond Hill?

Even though car insurance rates in Richmond Hill are higher than average, there is a silver lining. There are many avenues to explore to lower your car insurance rates. For starters, it’s important to get a quote each time your policy is up for renewal. This allows you to assess your coverage, get advice from your insurance expert. It also gives you the opportunity to look for new discounts and additional ways to save.

What insurance company has the best Richmond Hill car insurance?

There isn’t a specific insurer that has the best car insurance in Richmond Hill. The insurer you select depends on your coverage needs, the type of plan they offer, and the formula they use to determine rates. Therefore, it’s important to do a comparison with multiple providers to see what they have to offer. Choose the company who has the best coverage and price that makes sense for you.

When should I shop for Richmond Hill auto insurance?

It’s a good idea for Richmond Hill drivers to shop for auto insurance quotes at least once per year. It’s ideal to compare when your policy is coming up for renewal. This allows you to see what your current insurer has to offer and compare this to coverage from other providers.

Ready to save on Richmond Hill auto insurance?

We know you don’t have countless hours to dedicate to getting auto insurance quotes in Richmond Hill. You want a simple solution that will help you get the best rates. At ThinkInsure, we can help you do this and more.

Compare online any time through our website. Simply fill out your information and we will handle the rest. Let’s see how much you can save!

Or, if you prefer to speak with our experts directly, call toll-free 1-855-550-5515.

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Insurance Blog And News

Read our insurance blog get helpful tips, information and news.

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