Bowmanville is a community located in the municipality of Clarington, in the Durham Region of Ontario, Canada. It is situated about 75 kilometers east of Toronto and is part of the Greater Toronto Area (GTA). Bowmanville has a population of approximately 46,000 people and is known for its rich history, including its connection to the Underground Railroad and the 1837 Rebellion.
Bowmanville is home to several attractions, including the Bowmanville Zoo, the Canadian Tire Motorsport Park, and the Bowmanville Museum. It also has several parks and outdoor recreational areas, including the Bowmanville Harbour Conservation Area, the Darlington Provincial Park, and the Bowmanville Creek Trail.
Is car insurance cheaper in Bowmanville versus Toronto?
Bowmanville is located outside of the Greater Toronto Area (GTA), which may mean lower insurance rates due to less traffic congestion and a lower likelihood of accidents. Additionally, urban areas like Toronto tend to have higher crime rates, which can lead to higher rates of theft and vandalism, and may also impact car insurance rates.
Here’s an example of how car insurance rates might compare between Bowmanville and Toronto for a 35-year-old female driver with a clean driving record and a 2015 Toyota Corolla:
| Location | Average Cost Per Year | Average Cost Per Month |
|---|---|---|
| Bowmanville | $1,500 | $125 |
| Toronto | $1,800 | $150 |
Calculating and comparing Bowmanville car insurance quotes
To calculate and compare car insurance quotes in Bowmanville, you can follow these steps:
- Determine your coverage needs: Consider the type and amount of coverage you need. This may include liability coverage, collision coverage, comprehensive coverage, and optional coverages such as roadside assistance or rental car coverage.
- Get quotes from multiple insurance providers: Contact several insurance providers to get quotes based on your coverage needs. You can do this by phone, online, or by working with a broker. Be sure to provide accurate information to get the most accurate quote.
- Compare quotes: Once you have obtained quotes from several providers, compare them to find the best deal. Consider factors such as cost, coverage options, deductibles, and customer service.
- Choose a provider: After comparing quotes and considering all factors, choose an insurance provider that offers the coverage you need at a price you can afford.
When comparing car insurance quotes, it’s important to keep in mind that the cheapest quote may not always be the best option. You want to ensure that you have adequate coverage to protect you in case of an accident. Additionally, consider the reputation of the insurance provider and their customer service. It’s important to choose a provider that is reliable and responsive if you need to file a claim.
What’s the average cost of car insurance in Bowmanville per month and per year?
The average cost of car insurance in Bowmanville, Ontario, can vary widely depending on several factors such as driving record, age, type of vehicle, and level of coverage selected. However, here are some examples of average car insurance costs in Bowmanville per month and per year for different driver profiles:
| Driver Profile | Average Cost Per Year | Average Cost Per Month |
|---|---|---|
| 35-year-old female, clean driving record, 2015 Toyota Corolla | $1,500 – $1,800 | $125 – $150 |
| 45-year-old male, one at-fault accident, 2018 Honda Civic | $2,200 – $2,800 | $183 – $233 |
| 21-year-old male, full G license, 2020 Ford Mustang | $4,500 – $5,500 | $375 – $458 |
| 30-year-old male, usage-based insurance, 2017 Nissan Altima | Varies | Varies |
Average car insurance costs in Bowmanville, Ontario, for different driver profiles
Here is a table with estimated average car insurance costs in Bowmanville, Ontario, for different driver profiles:
| Driver Profile | Average Cost Per Year | Average Cost Per Month |
|---|---|---|
| New Driver | $4,500 – $7,500 | $375 – $625 |
| Secondary Driver | $1,500 – $3,000 | $125 – $250 |
| G1 Driver | $6,000 – $10,000 | $500 – $833 |
| G2 Driver | $3,500 – $6,000 | $292 – $500 |
| Full G | $1,500 – $3,000 | $125 – $250 |
| Teenage Driver | $6,000 – $10,000 | $500 – $833 |
| Young Driver | $3,500 – $6,000 | $292 – $500 |
| High-Risk Driver | $5,000 – $10,000 | $416 – $833 |
| 17 Years Old | $6,000 – $10,000 | $500 – $833 |
| Seniors | $1,500 – $3,000 | $125 – $250 |
| Over 55 Years Old | $1,500 – $3,000 | $125 – $250 |
| Students | $3,500 – $6,000 | $292 – $500 |
| International Driver | $4,500 – $7,500 | $375 – $625 |
| Newcomers | $4,500 – $7,500 | $375 – $625 |
| Men Driver | $1,800 – $3,500 | $150 – $292 |
| Women Driver | $1,500 – $3,000 | $125 – $250 |
| Married Couples | $1,500 – $3,000 | $125 – $250 |
| Usage-Based | Varies | Varies |
| Uber | $6,000 – $10,000 | $500 – $833 |
Average car insurance cost in Bowmanville, Ontario, organized by the types of cars
Here’s an estimated average car insurance cost in Bowmanville, Ontario, organized by the types of cars:
| Type of Car | Average Cost Per Year | Average Cost Per Month |
|---|---|---|
| Sedan | $1,500 – $3,000 | $125 – $250 |
| Convertible | $2,500 – $5,000 | $208 – $416 |
| Hatchback | $1,500 – $3,000 | $125 – $250 |
| Wagon | $1,500 – $3,000 | $125 – $250 |
| Coupe | $2,500 – $5,000 | $208 – $416 |
| SUV | $1,800 – $3,500 | $150 – $292 |
| Truck | $1,800 – $3,500 | $150 – $292 |
| Minivans | $1,800 – $3,500 | $150 – $292 |
| Van | $1,800 – $3,500 | $150 – $292 |
| Electric Car | $2,500 – $5,000 | $208 – $416 |
| Hybrid Car | $1,800 – $3,500 | $150 – $292 |
| Multi Car | Varies | Varies |
| Exotic Car | $5,000 – $10,000 | $416 – $833 |
| Sports Car | $2,500 – $5,000 | $208 – $416 |
| Leased cars | $1,800 – $3,500 | $150 – $292 |
| 2 Door | $2,500 – $5,000 | $208 – $416 |
Average car insurance cost in Bowmanville, Ontario, based on driving history
Here’s an estimated average car insurance cost in Bowmanville, Ontario, based on driving history:
| Driving History | Average Cost Per Year | Average Cost Per Month |
|---|---|---|
| Clean Driving Record | $1,500 – $3,000 | $125 – $250 |
| 1 One At-Fault Accident | $2,500 – $5,000 | $208 – $416 |
| 1 Non-Fault Accident | $1,800 – $3,500 | $150 – $292 |
| DUI Conviction | $5,000 – $10,000 | $416 – $833 |
| 1 Speeding Ticket | $1,800 – $3,500 | $150 – $292 |
Which companies and brokers offer car insurance quotes in Bowmanville?
There are several insurance companies and brokers that offer car insurance quotes in Bowmanville, Ontario. Here are 20 companies and brokers that you can consider:
- Allstate Insurance
- Aviva Insurance
- BrokerLink Insurance
- CAA Insurance
- Desjardins Insurance
- DirectRate.ca Insurance
- Gore Mutual Insurance
- Intact Insurance
- Johnson Insurance
- McDougall Insurance
- Mitchell & Whale Insurance
- Morison Insurance
- ONIVA Insurance
- OTIP Insurance
- PC Insurance
- RBC Insurance
- Sonnet Insurance
- Surex Insurance
- The Co-operators Insurance
- Travelers Insurance
About the Author: Robert Davis
