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Auto Insurance in Richmond Hill

Located a half hour away from the bustling city centre of Downtown Toronto, the City of Richmond Hill covers 101.11 sq. km. Richmond Hill is home to 195,022 people. The city is thriving with a projected population next year in 2021 is 231,400 people. That’s a steady and consistent growth and is promising for the city’s booming economy.Richmond Hill has wide roads unlike the crammed roads in cities like Toronto. It is a great centre to have access to many roads. These roads connect to a network that can take you around Ontario.

The 407 ETR is a tolled highway in the southern part of Richmond Hill. Many residents use the 407 ETR due to its close proximity and to skip rush hour traffic. On the east of the city, Highway 404 is connected to the 401. This road network could bring you to the Don Valley Parkway which will bring you directly to Downtown Toronto. A helpful fact for those who take the 404 is to exit the highway and take Leslie Avenue should there be traffic jams due to weather, accidents and rush hour. With facts like these, driving should be a breeze in Richmond Hill. While it usually is, for the times it’s not, one would need auto insurance. A busy city like Richmond Hill could mean very high premiums for auto insurance, but this isn’t always true. At Oracle RMS, we shop around from our many partnerships to find you the best insurance plans at the very best price.

By partnering with Oracle RMS, we provide excellent customer service and work hard to get you some of the lowest auto insurance rates in Richmond Hill that best suit your unique needs. We are proud to be partnered with a wide range of insurance companies who can provide a variety of auto insurance quotes for all Richmond Hill residents. At Oracle RMS, you will work along with one of our licensed brokers to help guide you through the quoting process. They will make sure you understand all the insurance jargon and information up to the last detail of your auto policy before you’ve made the final decision.

Auto insurance will protect and provide coverage for your vehicle(s), all listed drivers and any loss or damages. In Ontario, it is required to include and purchase the following automobile insurance coverage below:

 

> Third Party Liability Coverage: This section of a car insurance policy will provide coverage to protect the insured if a third-party has been injured or have succumbed to their injuries, or their property is damaged. It will compensate for claims in the event of a lawsuit against the insured up to the limit of their coverage. It will also compensate for the cost of settling a claim.

>Statutory Accident Benefits Coverage: This will provide the insured with benefits if they are injured in an auto accident, regardless of who caused the accident. This includes medical, rehabilitation and attendant care benefits and income replacement benefits.

>Direct Compensation – Property Damage (DC-PD) Coverage: This section of a car insurance policy covers damage to the insured’s vehicle and its contents and for loss of use of their vehicle or its contents in the case of an accident, for which the insured was not responsible for. Since it was another individual who caused damage, the insured will collect direct compensation from their insurer.

>Uninsured Automobile Coverage: This coverage will protect the insured and their family, should they be injured or killed by a hit-and-run driver or by an uninsured motorist. It will also provide coverage to the insured’s vehicle caused by an identified uninsured driver.

 

Whether customers are shopping for car insurance, are informed about their upcoming auto policy renewal or are looking to save money on their current policy, overall, it is important to be informed about auto insurance and how a policy works.

Driving Statistics in Richmond Hill

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The population of residents 15 years old and over that are employed and working is 67.7%. This is a huge population that has to commute daily to and back from their places of work. 82.2% of the population of Richmond Hill are driving or riding in a personal vehicle to arrive at work.
This is a high percentage of transportation that uses private vehicles. 76.5% percent of the population drive a private vehicle to work.

5.7% aren’t drivers but are passengers and are either carpooling or being driven to their place of work. 23,030 of the population are commuting 30 to  44 minutes, while a whopping 18,555 people are commuting 60 minutes and over.The lucky 10,725 people are commuting less than 15 minutes to work. Surprisingly, less than a fifth of drivers who use a private vehicle, take public transit to work. To sum it up, Richmond Hill has many drivers on the road to commute to their place of work daily.

Statistics show that  one in three residents in Canada will get into a car accident (whether it’s their fault or another). As the City of Richmond Hill grows quickly, so does the transportation numbers on the streets of the city. The more drivers, the higher the chance for accidents. This growing threat is as normal accompaniment to a growing city. Car insurance companies take into account the city’s growth, the driving statistics and its population.

Driving Facts in Richmond Hill

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Winters aren’t always nice to the City of Richmond Hill. Due to the heavy snowfall in comparison with other Ontario cities, drivers should invest in snow tires for safety and to be able to drive on the roads during the colder months. The city does a great job in providing snow removal contractor services, which requires drivers to park one foot away from the sidewalk in order to allow contractors to do their job.

Red light cameras are scattered throughout the city. Although red light cameras cannot identify the driver, those caught will not suffer the loss of demerit points. Although, drivers with the license plate caught speeding will have to pay high fines for surpassing speed limits on the roads of Richmond Hill. Red light cameras in Richmond Hill are located on Yonge Street and Jefferson Avenue, Highway 7 and Red Maple Road, Bathurst Street and King Road, Stouffville Road and Bayview Avenue, Bayview Avenue and Crosby Avenue and Elgin Mills Road and Enford Road.

Stay in the right lane with a GPS system. Due to the quick and growing city, neighbourhoods can be created, changed and altered all the time. New roads are created and new speed limits are enforced. It’s important to update your GPS so that you are aware of the best roads to take and new routes. This way, you’re always on the right track to getting where you want to be safely and efficiently!