At What Age Do My Car Insurance Rates Get Cheaper?

Many ask if car insurance gets cheaper with age. Insurance companies reward their policy holders with lower rates when their insurance record proves that they have a clean accident and conviction record. The longer the record, the more years an insurance company can analyze to satisfy this requirement. A clean record combined with years of driving experience is a perfect blend that make insurance company look at you favorably.

It is no different in Ontario. According to statistics, most insurance companies in Ontario see age 25 as the age when young drivers are less prone to a significant risk if their prior record is clean. With that said, turning 25 doesn’t automatically make your auto insurance rates cheaper. Insurance companies provide lower rates when records are clean of prior accidents and convictions and when certain age milestones have been reached. Age 25 is one of these milestones that along with a clean record likely means you will be placed in a better auto insurance class.

Other milestones such as being insured for 20 or 30 years or being married can help put you into a lower insurance class to qualify for cheaper car insurance. Please take a few minutes to get a car insurance quote to see if Tradition Mutual Insurance will be your cheapest and best auto insurance option. See link below. After you do, Kyle Wijnands can look over the quote to see if there are any additional discount you are eligible for. He can also be reached directly at 519-393-3246.

John Brookshaw

"We have been with Tradition Mutual Insurance for 60 plus years Kyle is one of the BEST agents we have ever had Full marks on everything!"

Kim Good

Dayna Vyse

I have my car insurance with Tradition Mutual Insurance and am very pleased with the rates as well as the service I have experienced. Kyle will be sure to provide you with excellent customer service answering any question you may have thoroughly and honestly. He has excellent communication skills and does well to ensure that your insurance needs are met and exceeded.

Kyle found me a much better fit for my auto insurance for a cheaper price and was very easy and pleasant to work with! Kyle was very prompt and responsive and never pushy or sales-y. Super great to work with!"

More than the cheapest car insurance but the best customer service and claim experiences you will find in Ontario, Canada 

 

Find a cheap car insurance quote for these Ontario cities and towns: 

Frequently asked auto insurance questions: 

Ways to get cheaper auto insurance in Ontario: 

New Driver Discounts

If you have auto and home/tenant insurance, you can save on both policies

Bundle Policies

If you have auto and home/tenant insurance, you can save on both policies

Multiple Vehicles

If you have more than one vehicle in the household insured, car insurance rates are cheaper

Pay Annually 

Paying annually instead of monthly will make your auto insurance premiums cheaper. 

Take Driver Training

For new drivers, having driver's training helps to lower auto rates and get cheaper insurance. 

Pay on Time

If you pay on time, your insurance record won't have any cancellations for non-payment and will get you cheaper rates. 

Relationship Status

Typically, the statistics for those who are married are better and can get you cheaper auto rates. 

Have a Clean Record

At fault collisions, convictions, dangerous driving charges etc make premiums higher. A clean record means cheaper auto rates.  

Low KM Use

The lower the usage of the vehicle, the cheaper the insurance. 

Shop & Compare

Rates range from company to company. Look around to see what is the best and cheapest. 

Raise Deductibles

The deductible is what you pay before the insurance company does. Higher deductibles make car insruance rates cheaper. 

Winter Tires

Discounts are available for having winter tires on your vehicle during the snowy season. 

Mandatory Car Insurance Coverages Required in Ontario

Liability Coverage 

For bodily injury or property damage of someone else, costs are covered for you.

Direct Compensation

If you are are not at fault, damages to your car are covered.

Uninsured Auto

If an uninsured driver is negligent, medical costs and physical damages are covered.

Accident Benefits

Regardless of  fault, medical and other expenses you are eligible to receive are paid out.  have entitled to receive are covered.

Optional and Enhanced Auto Insurance Coverages

Comprehensive

Protects your vehicle from damage caused by perils like fire, hail or theft (besides collision or upset.)

Accident Forgiveness

With this protection, provided that you are not charged with a careless, your rates won't increase if you have a partial or 100% at fault accident. 

Collision or Upset

Protects your vehicle from losses such as collision with another vehicle or object. 

All Perils

Combines collision or upset and comprehensive coverage and also includes increased theft coverage. 

Rental Car Coverage

Liability for damage to non-owned Automobile(s)  when insured persons rent other automobiles. Contact for further details.

Family Protection

 

 

If the other motorist has
insufficient insurance, additional protection is available for you subject to liability limits and policy agreements. 

Vehicle Replacement

Coverage for reasonable expenses incurred in
renting a similar substitute automobile or obtaining alternate transportation while
the insured vehicle is out of use as a result of an insured loss.

Depreciation Protection

If eligible, vehicle can qualify for 24 months of replacement cost coverage instead of the depreciated value at the time of loss. 

Kyle Wijnands BA MA

Insurance Agent

264 Huron Road, Box 10 Sebringville, ON

N0K1X0

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