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Car Insurance In Richmond Hill, Ontario

Every driver in Richmond Hill, and in all of Canada for that matter, is required to obtain car insurance. The law does not mandate that you must pay too much for it. Even though Richmond Hill is a larger town that is nearby one of the main centres of population in Canada, there are means to save money and to obtain the best possible car insurance rates in this part of Ontario. The best way to do this is to obtain a number of competing quotes to see which company offers the most coverage for the best price. Read on to never again overpay for car insurance in Richmond Hill, Ontario.

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Once you try it, we're sure you'll agree that really is the easy way to get car insurance quotes in Richmond Hill.

The Advantage

When looking for an auto insurance quote, you may not remember exactly when you had that automobile accident, or even know right off the bat the exact date you got your driver's licence in Ontario. If you're unsure about your driver details then any car insurance quote you get will not be accurate either.

Luckily, takes the guesswork out of getting Ontario car insurance. We won't give you a probable quote. Instead, competing auto insurance brokers and agents will receive the information you have provided to us on this website (even if it is a best-guess). These insurance professionals will then verify the information of your driver profile and will contact you with an accurate auto insurance quote matched to your particular needs. After you have provided your information on our site, sit back and relax while a broker contacts you. Or if you wish, you can contact them yourself.

Start saving time and money on your car insurance in Richmond Hill by entering your postal code at the top of this page.

Interesting Auto Insurance Statistics & Average Annual Cost of Auto Insurance For Drivers in Richmond Hill:


About Richmond Hill, Ontario

Richmond Hill is an interesting town for a number of reasons. It is practically adjacent to the economic centre of Eastern Canada, Toronto. With nearly 186,000 people, it represents the third most populated municipality in the York Region, as well as the 28th most populated municipality in all of Canada. In the last two decades, the town has witnessed an enormous surge in population. It was named as the fastest growing population in Canada in the 1990's. Besides this, Richmond Hill boasts the world famous David Dunlap Observatory telescope. This used to be the second biggest such telescope on earth, and it remains the biggest one in Canada today. As one of the fastest expanding municipalities in Canada, Richmond Hill showcases a huge multicultural population, especially from Asia. Fully 21.5% of the city's population is ethnically Chinese, with another 17.5% of the population hailing from somewhere else in Asia. Interestingly enough, less than 41% of the population of Richmond Hill calls English their mother tongue. Other major language groups in Richmond Hill include Chinese at 19% of the population, Persian (Farsi) at 8.5%, Russian at 5.3%, Italian at 3.9%, and Korean at 2.3%.

Economy of Richmond Hill, Ontario

Richmond Hill is a well to do community that as of 2011 boasts of more than 52% of its families earning over $70,000 per year and more than 31% of its households bringing in over $100,000 per year. At $100,900, the average income per household for Richmond Hill is 34% greater than the Canadian average and 26% more than the well to do Ontario average. This wealth comes predominantly from occupations in the finance, business, management, and administration sectors. The secondary employer in the area is a high technology and information technology industrial complex that is comprised of 1,000 of these businesses on the Richmond Hill and Markham border (as of the year 2000). The majority of employers in Richmond Hill may be small businesses that have four or fewer workers. Still, the town is the corporate headquarters of Staples, BMW Canada, Lexmark, Acklands Grainger Inc., Compuware, Compugen Inc., DMC Mining Services, Rogers Communications, and Science & Medicine Canada. With an unemployment rate that is less than half of the national average, the town's economic growth in 1999 won three separate provincial Economic Developers Council of Ontario awards.

Overview of Hamilton, Ontario

Source: Statistics Canada

Ontario Auto Insurance Law

For drivers to be properly insured in the province of Ontario, they must carry the following forms of coverage at all times: Third Party Liability, Accident Benefits, Property Damage, and Uninsured Motorist coverage.

Drivers will receive a pink card, or Motor Vehicle Liability Insurance card, as proof of the required insurance coverage that is effective anywhere in either Canada or the United States. This has to be given to police officers upon request, and also must be shown to register new automobiles or to renew license plates every year.

For more information, please read Standard Auto Insurance Policy & Additional Coverages In Ontario.

Ontario's "No-Fault" Auto Insurance System

The province of Ontario has a "No-Fault" car insurance system. Regardless of who is at-fault at the scene of the accident, both parties have to deal with their own insurance provider. In Ontario, you don't have to pursue the at-fault driver for direct compensation.

According to Ontario Law, insurance companies must determine a percentage of the fault from each driver in the accident. They accomplish this task by utilizing the "Fault Determination Rules." The Insurance Act of Canada spells out these rules that assist insurance companies with handling claims from accidents both economically and efficiently. Though police will assign accident blame under their own Highway Traffic Act of Canada rules, these are different from the rules in the Fault Determination Rules.

For more information, please read How No-Fault Insurance Affects Drivers.

Additional Resources & Advice

Looking for more information on how to save money on car insurance? We've prepared some guides to help you:

Ontario Car Insurance Guides

General Car Insurance Guides

Car Insurance

Visit our Insurance Tips & Information Centre for useful tips and advice on how to save on your car insurance.

Car Insurance Resources from the Government of Canada

The Government of Canada has many resources to help:

Auto Insurance Ontario

Auto Insurance Cambridge

Auto Insurance Windsor

Auto Insurance Burlington

Auto Insurance North York

Auto Insurance Oakville

Auto Insurance London

Auto Insurance Ottawa

Auto Insurance Mississauga

Auto Insurance Markham

Auto Insurance Hamilton

Auto Insurance Etobicoke

Auto Insurance Toronto

Auto Insurance Waterloo

Auto Insurance Kitchener

Auto Insurance Guelph

Auto Insurance Ajax

Auto Insurance Whitby

Auto Insurance Oshawa

Auto Insurance Pickering

Insurance Tips & Information