Richmond Hill Car Insurance: Get Cheap Auto Insurance Quotes

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Find a better rate for car insurance in Richmond Hill

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. Even though car insurance rates are expensive for Richmond Hill drivers, you can still save money.

With ThinkInsure, you can compare quotes from the top insurance companies in Canada to find the best rates and coverage. It's quick and easy to save on auto insurance in Richmond Hill. Get started by comparing quotes online or give us a call and a licensed broker will be happy to assist you.

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 1340 Google reviews

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Alexis French

2023-11-30

Todd Allen, thank you for your support. Convenient, knowledgeable and quick. Explained all the details and was thorough to get our family the best coverage for less. Highly recommend to friends and family.

Oluwakayode Oladapo

2023-11-25

I had been worried about getting the right insurance policy for my car till I spoke with Evan Venditti at ThinkInsure. He spent quality time discussing all options available to me based on my situation. I didnt inform him I had previous quotes from other brokers so I knew what I was looking for but he talked me through everything, was very patient with me and ended up giving me the best price available in the market(I know this cos I had shopped around!). The signup and payment process was very seamless and he had everything sorted out for me in minutes! I would recommend ThinkInsure to anybody and do ask to speak to Evan if you call them!

Orin Monize

2023-11-09

I was shopping around for insurance for a while. I checked many different insurance brokers and companies and Think Insure was able to get me the absolute best rates. Todd Allen was my representative and he was amazing to deal with and made my process a painless process. Thank You very much Todd and Think Insurance 🙏🏽

Allana Peterkin

2023-11-02

I have worked with ThinkInsure for a while now and the responses and genuine professionalism has always been amazing. Thank you Bailey Molella for helping me get my insurance. It was a easy and hassle-free process.

Shawna O'Flaherty

2023-10-20

Bailey was fantastic to deal with! Highly recommend!

Araiza Marquez

2023-10-18

My experience with Thinkinsure has been fantastic! Evan was excellent and helped me find the best rate possible. Evan was also fast to respond to any concerns or issues I was having, which made the process less stressful. Evan quickly had everything in place so I was insured when needed. Overall, I would highly recommend Evan and Thinkinsure for a new policy. Thank you Evan!

Sebastien Brazeau

2023-10-07

Really impressed with the services of think insurance,Darryl went above and beyond to make sure everything was set up with my insurance and to my liking.Would definitely recommend services was very professional and friendly.

Jasna Benkovich

2023-10-05

Great deals, friendly and helpful staff!

How does car insurance work in Richmond Hill?

Car insurance works the same in Richmond Hill as it does throughout the province. Car insurance in Ontario 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 coverage from private insurance companies directly or through a broker. Your options vary based on the insurer. 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

How much is car insurance in Richmond Hill?

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.

Why are Richmond Hill auto insurance rates so high?

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

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

Tips to get cheap 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, the more they can save.
Check for discounts: Understanding the variety of discounts offered by insurers and how coverage amounts affect premiums will help you save more.
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: Checking car insurance quotes from multiple 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. It’s also a good time to see if you are getting a good price.

Latest Richmond Hill car insurance quotes

2023/11/26

Shopper in RICHMOND HILL, ON
Vehicle: honda RIDGELINE RTL 4WD 2007
Wawanesa	$1,987
CAA Connect	$2,495
CAA My Pace	$2,552
Aviva Journey	$2,577
Savings from top 4 cheapest quotes	$590

2023/11/22

Shopper in RICHMOND HILL, ON
Vehicle: HYUNDAI ACCENT GLS 4DR 2010
Pembridge	$1,119
Aviva Journey	$2,347
Economical	$2,369
Aviva	$2,606
Savings from top 4 cheapest quotes	$1,487

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 the 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 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, and get advice from your advisor. It also gives you the opportunity to look for new discounts and additional ways to save.

What is the best insurance company for car insurance in Richmond Hill?

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 that 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 quotes for auto insurance in Richmond Hill. You want a simple solution that will help you get the lowest price. At ThinkInsure, we can help check rates from the top providers in just a couple of minutes.

Compare online any time through our website. Simply fill out your information and we will handle the rest. Or, if you prefer to speak with our experts directly, call toll-free 1-855-550-5515.

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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

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

red car front bumpoer damaged from an accident

2023-12-05

Compare Richmond Hill Car Insurance Quotes

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

Compare Richmond Hill car insurance quotes from the leading providers

Find a better rate for car insurance in Richmond Hill