Auto Insurance For Clean Driver Records
Ambroziak & Rao: Insuring Drivers With Clean Records In Mississauga Since 2009.
Ambroziak & Rao Insurance Brokers have been offering the best insurance rates for Mississauga drivers with clean drivers records since 2009.
Some insurance companies offer better rates for 9-star drivers than others. As brokers, we find the company that can give you maximum discounts for your clean driving history by comparing them side by side.
As a clean driver, you can qualify for coverages that will help you keep a clean record in the event that a small incident or minor ticket occur.
Visit our office at 250 Dundas St W Suite 408, Mississauga ON L5B 1J2 or call 905 366 0066.
Best Rates For 9-Star Drivers
Find the insurance company offering the best price for your perfect driving record.
Protect Your Clean Record
Add coverages you qualify for to ensure your record stays clean!
Simple Renewal Requotes
With a clean record, checking your rates at renewal time with us is quick and simple.
Recently Corrected Driving Record
Do you have tickets or accidents that recently fell off? Get your best insurance quotes now.
Quote For Clean Driving Records
T: (905) 366 0066
F: (905) 276 5373
250 Dundas St W Suite 408 Mississauga ON L5B 1J2
“The Best Insurance Rates For 9-Star Drivers in Mississauga”
How Do You Become A 9-Star Driver?
Every auto insurance company is unique in what they consider a “perfect” driving record. Many consider a 6-star record their baseline. In order to reach a 6-star driving record in Ontario, you must have 6 years of prior insurance history with no at-fault accidents. Generally once a client reaches 6-star record, they can expect to have competitive auto insurance rates especially in Mississauga. They also qualify for standard insurance company rates rather then higher-risk or “newer driver” rates.
Many companies also have a 9-star driving record underwriting tier. This is their preferred tier of underwriting and it’s where most competitive prices can be offered. These are the clients who insurance companies target and want to offer the best rates for. Clients with 9-star ratings demonstrated that for 9+ years they have avoided at-fault incidents and serious convictions. Once you reach the perfect 9-star driving status, you are at the top tier for insurance companies.
Certain companies take it a step further and offer 10-star driving record. Companies such as Intact may offer an additional discount for having 10 years claims free. This doesn’t always mean they are the best price as other companies may offer better base rates for perfect records.
Insurance brokers can verify a clients record through internal records and abstracts.
For these reasons, having a licensed insurance broker shop the market for the best rate is an ideal choice to make. Speak with one of our brokers at 905 366 0066 or visit our office at 250 Dundas St W Unit 408, Mississauga ON L5B 1J2.
How Can I Protect My Clean Driving Record?
Getting to a 9-star driving record is a great achievement. You have demonstrated that you are a cautious driver and insurance companies reward that by offering great rates. One of the enemies of being a “good” driver is being a nervous one because you are scared to loose that prestigious 9-star rating.
Insurance companies offer endorsements you can purchase that protect your record in the event of an at-fault accidents or a minor ticket. You must qualify for those endorsements but being a 9-star driver, you most likely do.
Accident Forgiveness: Forgives your first at-fault accident and preserves your record rating. In order to qualify with most companies, you need to have 6+ years of driving history with no at-fault accidents. One caveat is that it only preserves your record with your current insurance (usually only that specific policy) so its vital to make sure its in force. Any new insurance company will include that accident in your ratings.
Minor Ticket Protection: Forgives you in the event you get a minor ticket such as a stop sign or lane change infraction.
In addition to avoiding accidents and tickets, its always best to have continuous insurance. Do not miss payments on your insurance and do not get them cancelled for any reason. Having a gap of insurance due to a policy cancellation by the insurer may reset your record.
Speak with one of our licensed insurance brokers on how to protect your clean insurance record by calling 905 366 0066.
I Have a Perfect Record. Why Did My Insurance Go Up?
This is a very common scenario. You have been a perfect driver, no accidents or tickets and yet your insurance rates continue to increase. There are a few key reasons for this:
- Inflation. As prices of everything go up, insurance must follow to keep up with claims cost. Mechanics charge more, parts are more expensive, oil and gas costs increase and life in general increases. Insurance must keep up with these costs and raises base rates for everyone.
- Local claims ratios. You may have a perfect record, but if drivers in your area are getting into a lot of accidents, or people with the same car as you are involved in many claims, base rates for your local postal code and car model may increase.
Your clean record helps keep your rates as low as possible, but if base rates go up, your personal insurance rate may increase as well.
Are New Drivers Considered "Clean Records"?
Unfortunately as a new driver with no record, you will be considered a 0-star driver. You will need to build your record up over the years in order to get competitive insurance rates.
It’s recommended to get insured as quick as you can and maintaining a good record to get through those early years of high premiums. As your record increases yearly, your insurance should slowly begin to come down.
Insurance history outside of North America and Mexico is rarely used to increase your star rating.
How Much Does Insurance Cost For Clean Driving Records In Mississauga?
The cost of auto insurance on a clean driving record is different from company to company and client to client. There are many variables that insurers look at in addition to your clean drivers history that make up your insurance rate. Some of the biggest ones include:
- Your address
- Your vehicle
- The other drivers in the household
- Your years licensed
- Additional Discounts
As a driver with a clean record, your drivers history is already doing a lot of the heavy lifting. In order to bring your insurance rate even lower, consider the following discounts:
- Bundle – you can save up to 26% by placing your home insurance with your auto.
- Telematics – as a clean driver, you should consider adding a telematics application which tracks your cars acceleration, breaking, time of driving and a few other metrics. As a clean driver, you likely drive cautiously already and a telematics application can provide further discounts.
Below we have created a estimator of the price difference a client may have as they move up from a 0-star driving record to a perfect 9-star record. The prices displayed are estimates only for illustrative purposes.
Mississauga Driving Record Estimator
Select your Ontario Star Rating tier below to estimate your baseline auto insurance premium. Rates below are average Mississauga estimates and used only for illustrative purposes.
Customer Success
Margaret Bara
T: (905) 366 0066
F: (905) 276 5373
E: mbara@pbnet.ca
Customer Service
Anu Kaur
T: (905) 366 0066
F: (905) 276 5373
E: akaur@pbnet.ca
Customer Success
Teresa Klubinski
T: (905) 366 7530
F: (905) 276 5373
E: teresak@pbnet.ca
Director & Lead Broker
Lidia Ambroziak
T: (905) 276 9597
C: (416) 737 9647
E: lidiaa@pbnet.ca
Director & Lead Broker
Harish Rao
T: (905) 276 9495
C: (416) 420 2383
E: hrao@pbnet.ca
Why Ambroziak & Rao?
Our team has been insuring drivers with clean records since we opened our doors in 2009. We have very competitive rates for 9-star drivers.
Dedicated Broker
You will be assigned a licensed insurance broker who will helps you find the company with the best rates for your clean driving record.
Fast Quotes
We understand you may be picking up a new vehicle and want the best insurance for it. We will do our best to offer quotes quickly.
Contact
Ambroziak & Rao prides itself on the communication it has with clients. We can be contacted via email, phone, text and respond very quickly! 905 366 0066.
Best Rates
As insurance brokers, we have access to many insurance companies with competitive rates which means we can offer the best rate for you!
Ambroziak & Rao Insurance Brokers Reviews
Frequently Asked Questions
We are more than happy to answer any and all of your questions regarding driving records and how they impact you. Speak to one of our licensed insurance brokers today!
?
As established Mississauga insurance brokers, we have partnered up with Canadas largest and most trusted insurance companies. This means our brokers are able to shop your coverage requirements with multiple insurers all at once.
The first step before creating an insurance policy is creating a quote. One of our experienced Mississauga insurance brokers will happily help you get competitive quotes from the largest insurance carriers in Canada.
Once a quote is completed and you are happy with the coverage and price, our team will create the applications, confirm your records and send the applications over to your email for e-signing.
Once signed, our team will review the policy and issue it with the insurance company.
Yes, Ambroziak & Rao is a RIBO licensed insurance brokerage operating under license 3428. You can search us at the RIBO Brokerage Search.
Making changes to your insurance policy has never been easier!
Contact our team at 905 366 0066 and one of our customer success managers will happily assist you.
If you would like to call our team at Ambroziak & Rao Insurance Brokers, you can call 905 366 0066, or visit our Mississauga office at 250 Dundas St W Suite 408 Mississauga ON L5B 1J2.
If you had an accident with your last insurance company that was at-fault but it was forgiven, it may be best to stay with them as any new insurance company will rate that accident at-fault and reset your record.