Left Navigation Neighbourhoods and Auto Insurance Rates Where we live matters to us. That’s just as true when it comes to the cost of auto insurance. Premiums can vary from neighbourhood to neighbourhood and from city to countryside. While many factors are considered in the pricing of your auto insurance policy, location is an important one.For example, people living in the city generally pay more for insurance than people in rural areas. This is because auto premiums are largely based on factors tied to the frequency and amounts of claims payouts. Since cities have more people, they have more collisions. If there are more collisions in a certain area, the cost for insurance will be higher since the chance of a claim is greater.Overall crime rates in your neighbourhood also play a part in auto insurance costs. If you live in an area with high crime rates, the risk of your car being vandalized or stolen is greater. This will affect your premium. However, your premium could be reduced if you install an anti-theft device in your vehicle.Learn more about how auto insurance premiums are calculated. Car Insurance Q&AQuestion to ask your insurance representative.All about Auto InsuranceRegardless of where you live in Canada, auto insurance is required by law. You are not authorized to drive without it. Related ServicesAluminum Siding Vs. BrickThe exterior of a home, such as whether it is built with aluminum siding or brick, is an important factor when calculating its replacement cost, (i.e., what it would cost to rebuild the house using similar materials if it were destroyed). Replacement cost, in turn, plays a large role in determining the premium for your home insurance policy.Insurance Benefits after an Auto CollisionIf you are seriously injured in an auto collision, your accident benefits (AB) coverage pays for rehabilitation treatment, income replacement and other services to help you recover.Car Improvements Following a CollisionIs a collision an opportunity to improve your vehicle? No, that would be fraud. Fraud is illegal and increases the cost of insurance for all drivers in Ontario.Paying More for Less CoverageWe agree that Ontario auto insurance premiums are too high. There have also been some changes to coverage. Why is this? Colour Impact on Auto Insurance RatesThe colour of your car does not affect your car insurance premium. While the colour may be important to you, it’s not important to your insurance company.Medical Expense Payments Following a CollisionProvincial health insurance plans, private health insurance plans and auto insurers are all responsible for some of your expenses if you are in a collision. In Canada, auto insurers cover most medical expenses (other than for acute care).Act of GodInsurance companies don’t use the phrase “acts of God.” They use the word “perils” to describe events that an insurance policy covers, and “exclusions” for events or situations that are not covered.Gas Vs. ElectricDo gas or electric appliances affect your home insurance premium? Absolutely not. Insurance FraudIf you are seriously injured in an auto collision, your accident benefits (AB) coverage pays for rehabilitation treatment, income replacement and other services to help you recover.Insurance PoolIs the money you pay for insurance set aside just for you, to cover any claims you have? Simply put – no. Useful LinksClaims ProcessImmediately after a collision, contact your insurer to make a claim. Learn more about the claims process in your province.Paper FraudWhen a criminal reports a collision that never occurred, it’s known as paper fraud. Jump-ins are reported as collision occupants but were not in the vehicle at the time of the reported collision.Rights and ResponsibilitiesInsurance companies, brokers and agents are committed to safeguarding your rights when you shop for insurance and submit a claim following a loss. Buying TipsInsurance is a significant investment. Before you purchase coverage, getting answers to key questions can help you make informed decisions.