When Driving Is a Lifestyle
Niagara Falls is one of the most beautiful and iconic places in the world. Treasured by residents and tourists alike, the area boasts numerous opportunities for scenic drives; in fact, Winston Churchill proclaimed the Niagara Parkway the "prettiest Sunday afternoon drive in the world." All that driving means car insurance in Niagara Falls is very important.
Of the over 94,000 residents of Niagara Falls, 92% report commuting to work by car. The average household owns two cars, and the average commute time is around 20 minutes each way. That mileage adds up and takes a toll on any vehicle.
The weather in Niagara Falls is not easy on a car, either. While the area enjoys four seasons, the cold weather starts early, with frosts and snowfall beginning in late October and lasting through mid-April. In winter, average lows hover around 17 degrees Fahrenheit with highs in the mid 30s to low 40s. These temperatures and the accompanying lake effect snowfalls common to the area can cause poor road conditions and severe driving hazards.
Protect Your Vehicle With Car Insurance in Niagara Falls
Car insurance is important to protect your vehicle but is particularly critical when you drive frequently for work and pleasure in an area with hazardous weather conditions. At HUB International, our professional insurance brokers are ready to help you choose the best coverage to protect your vehicle and its passengers whenever you get on the road.
Find Your Coverage
The type of auto insurance that is best for you depends on your personal driving habits. Options in Niagara Falls may include the bare bones legal requirements all the way up to full comprehensive coverage to protect in any situation.
Liability Insurance
Ontario legally requires drivers to hold a minimum of $200,000 in third-party liability car insurance. There are two components to this type of coverage:
- Bodily injury coverage, which pays for another person's injuries in an accident where you are at fault
- Property damage coverage, which pays for property damages that you may cause from behind the wheel
Collision Insurance
Collision insurance coverage handles repairs to or replacement of your vehicle if you hit an object or another vehicle. It is generally optional but may be required if your vehicle is leased or financed.
Comprehensive Policies
A comprehensive auto insurance policy offers the most inclusive type of coverage. Comprehensive insurance protects your vehicle from damage caused by fire, hail, theft, vandalism and other covered perils. It is typically optional for this coverage but could be required by lenders if you don't own your vehicle.
Personal Injury Protection (PIP)
Personal injury protection coverage, or PIP, pays out in the event of an accident that you caused. It is important for protecting you and other drivers. PIP covers medical expenses for other drivers and may also cover related expenses, such as lost income.
Uninsured or Underinsured Motorist Coverage
This type of insurance applies if you are hit by a driver who is uninsured or whose insurance is insufficient to cover the bills. Underinsured or uninsured insurance covers damages to or replacement of your vehicle along with related medical expenses.