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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 1273 Google reviews

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

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Simon Mak

2023-02-23 02:13:38

Neil provided great broker service. Will definitely return to ThinkInsure.

Haile Baheta

2023-02-16 02:24:59

I have the pleasure to renew my Automobile Insurance with Kimberly Ladis of ThinkInsure . She was great in finding me the lowest price with a reputable company. She is kind ,efficent & professional. I will recommend her to everyone I know.

Shannon

2023-02-08 20:16:36

I had the pleasure of getting Evan V. as my broker. What set him apart from others I have spoken to was his knowledge. He answered all of my questions promptly and taught me about my specific insurance needs. He was very professional and kind. I felt better after speaking with him.

Caitlin MacFayden

2023-02-02 18:06:04

I had the pleasure of dealing with Neil. I was completely lost when looking for the type of car insurance I needed. Neil was extremley patient with me and walked me through everything.He was available at any time and had answers to all my questions. Thank you for this amazing experience!

tremari

2023-02-01 05:11:36

Pooyan Saeidi has a top-notch customer service skill, very fast service, prompt in answering your email. He will always call to check if you got what you want. He will give the best advice on all your insurance needs and explain in a layman’s term, very friendly and accommodating even if he has to explain for the nth times. 101% rating for his service quality.

Theresa

2023-01-28 05:28:47

I don't know where to begin but I'm so glad that I got Evan Venditti as my advisor. He earned my respect for choosing integrity over personal gain. While I went with a different firm, it was his suggestion that led me to saving hundreds of dollars on auto insurance. He explained that the companies they work with cater to a particular demographic I'm not exactly a part of. He's pretty well versed and insightful. He spoke on a level that I understood. I love that he gave me time to call a couple of other places first before proceeding with his quote. I called those places and went with one of them since I got a lower quote. With all the chaos that's going on in my personal life, this made me emotional. If somehow I took different steps that day and I didn't come across this guy, I'd be paying so much more on insurance. So although I'm not a client, just want to take this time to share this phenomenal experience!

Michelle Spencer

2023-01-19 16:21:03

Evan Venditti has been absolutely amazing and extremely helpful! Always following up to make sure that I am updated on any changes to my policy. He also made the process of obtaining a policy so easy! 10/10 recommend. Hopefully you will get the chance to work with him!

Jaden Moore

2023-01-10 20:04:35

Great customer service.! Quick and efficient. I worked with Denise Snider. She was great with getting me a cheap quote, she sent payment info, and paper work right away. Papers were signed within 24h and insurance was confirmed. I am a high risk driver, who can’t get insured anywhere else due to accumulation of tickets. 10/10 recommend!

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.

2023-03-23

Compare Richmond Hill Car Insurance Quotes

Find cheap car insurance quotes in Richmond Hill by comparing rates from Canada's top auto providers.

Get Richmond Hill's best auto insurance rates

How to compare auto insurance quotes in Richmond Hill

1) Get started

2) Enter your information

3) Compare the cheapest quotes

Get insured

5 star Richmond Hill car insurance

How does car insurance work in Richmond Hill?

Mandatory car insurance in Richmond Hill

Optional auto insurance in Richmond Hill

Want a cheap car insurance quote in Richmond Hill?

Why are Richmond Hill car insurance rates so high?

How much is car insurance in Richmond Hill?

Tips to get more affordable car insurance in Richmond Hill

Richmond Hill driving tips

Richmond Hill car insurance FAQs

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

What insurance company has the best Richmond Hill car insurance?

When should I shop for Richmond Hill auto insurance?

Ready to save on Richmond Hill auto insurance?

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