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If you have a bad driving record in Ontario, finding affordable car insurance can be challenging. Insurance companies consider your driving history as a key factor in determining the cost of your policy. However, there are some strategies you can use to reduce the cost of your car insurance, even with a bad driving record.

  1. Shop around: Take the time to compare car insurance quotes from different providers. Some insurers may be more lenient with drivers who have a bad record, while others may charge much higher rates. Be sure to get quotes from multiple companies to find the best rate.
  2. Increase your deductibles: By choosing a higher deductible, you can lower your monthly premiums. However, keep in mind that you’ll have to pay this higher deductible out of pocket if you need to file a claim.
  3. Look for discounts: Many car insurance providers offer discounts for various things, such as being a safe driver, having anti-theft devices in your car, or bundling your car insurance with other policies like home insurance. Ask your provider about any available discounts.
  4. Take a defensive driving course: Completing a defensive driving course can show insurance providers that you’re committed to being a safer driver. Some insurers may even offer discounts to drivers who complete such a course.
  5. Consider a high-risk insurance policy: If you have a bad driving record, you may need to purchase a high-risk insurance policy. These policies are designed for drivers who are considered high-risk and may come with higher premiums. However, it’s important to have insurance to protect yourself and others on the road.

It’s essential to be honest about your driving history when applying for car insurance, as failing to disclose your record accurately can result in denial of coverage. Remember, there is no one-size-fits-all solution when it comes to car insurance, so it’s best to research and compare different options to find the best fit for your needs and budget.

Cheapest and highest car insurance rates with bad driving record in Ontario

It is difficult to provide an exact average for cheap car insurance rates for drivers with bad driving records in Ontario, as rates can vary significantly depending on individual circumstances and the insurance company you choose. However, We can provide a general estimate based on some of the major cities in Ontario.

  1. Toronto: $291 to $417 per month, $3,500 to $5,000 per year
  2. Ottawa: $208 to $333 per month, $2,500 to $4,000 per year
  3. Hamilton: $250 to $375 per month, $3,000 to $4,500 per year
  4. London: $208 to $333 per month, $2,500 to $4,000 per year
  5. Kitchener: $208 to $333 per month, $2,500 to $4,000 per year
  6. Windsor: $208 to $333 per month, $2,500 to $4,000 per year
  7. Barrie: $208 to $333 per month, $2,500 to $4,000 per year
  8. Mississauga: $291 to $417 per month, $3,500 to $5,000 per year
  9. Brampton: $291 to $417 per month, $3,500 to $5,000 per year
  10. Markham: $291 to $417 per month, $3,500 to $5,000 per year
  11. Vaughan: $291 to $417 per month, $3,500 to $5,000 per year
  12. Richmond Hill: $291 to $417 per month, $3,500 to $5,000 per year

It’s important to keep in mind that these are just estimates, and the actual cost of car insurance for a driver with a bad record can vary depending on several factors, including your age, the type of vehicle you drive, your driving record, and more. It’s always best to shop around and compare quotes from different insurance providers to find the best rate for your specific situation.

How do I know if I need high-risk auto insurance?

In general, you may need high-risk auto insurance if you fall into one or more of the following categories:

  1. You have a history of traffic violations: If you have a history of traffic violations, such as speeding tickets or running red lights, you may be considered a high-risk driver.
  2. You have a history of accidents: If you have been involved in one or more accidents, you may be considered a high-risk driver.
  3. You have a DUI or other serious conviction: If you have been convicted of a DUI or other serious offense, such as driving without insurance or reckless driving, you may be considered a high-risk driver.
  4. You are a new driver: New drivers are often considered high-risk due to their lack of driving experience.
  5. You have a poor credit score: Some insurance companies consider drivers with poor credit scores to be high-risk.

If you fall into one or more of these categories, you may be required to purchase high-risk auto insurance. High-risk auto insurance is designed to provide coverage to drivers who may be considered more likely to file a claim due to their driving history or other factors. High-risk auto insurance policies typically come with higher premiums and may have more limited coverage options.

If you’re not sure whether you need high-risk auto insurance, it’s best to speak with an insurance agent or broker who can help you evaluate your options and find the right coverage for your needs.

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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