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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?

insurance cost increase

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:

LocationAverage Cost Per YearAverage Cost Per Month
Bowmanville$1,500$125
Toronto$1,800$150

Calculating and comparing Bowmanville car insurance quotes

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To calculate and compare car insurance quotes in Bowmanville, you can follow these steps:

  1. 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.
  2. 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.
  3. 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.
  4. 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 ProfileAverage Cost Per YearAverage 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 AltimaVariesVaries

Average car insurance costs in Bowmanville, Ontario, for different driver profiles

safe driving

Here is a table with estimated average car insurance costs in Bowmanville, Ontario, for different driver profiles:

Driver ProfileAverage Cost Per YearAverage 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-BasedVariesVaries
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 CarAverage Cost Per YearAverage 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 CarVariesVaries
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

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Here’s an estimated average car insurance cost in Bowmanville, Ontario, based on driving history:

Driving HistoryAverage Cost Per YearAverage 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:

  1. Allstate Insurance
  2. Aviva Insurance
  3. BrokerLink Insurance
  4. CAA Insurance
  5. Desjardins Insurance
  6. DirectRate.ca Insurance
  7. Gore Mutual Insurance
  8. Intact Insurance
  9. Johnson Insurance
  10. McDougall Insurance
  11. Mitchell & Whale Insurance
  12. Morison Insurance
  13. ONIVA Insurance
  14. OTIP Insurance
  15. PC Insurance
  16. RBC Insurance
  17. Sonnet Insurance
  18. Surex Insurance
  19. The Co-operators Insurance
  20. Travelers Insurance

About the Author: Robert Davis

He is an insurance content professional with vast knowledge and a special aptitude and interest in imparting insurance education. He has authored many articles on insurance.

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