In Alberta, Ontario, the Atlantic provinces, and the territories, there are only private insurers. In British Columbia, Manitoba, and Saskatchewan, basic auto insurance is available from the government and additional coverage is available from private insurers. Quebec, on the other hand, has is it's own unique regulations - public insurance covers injury or death while private insurance covers property damage.
It’s always helpful to ask your colleagues at work, your family members or close friends to recommend their car insurance firm or broker in Toronto, especially of course, if they are happy with the car insurance rate and satisfied with the service provided. In some cases the recommendation is rewarded with a slight, but always welcome, car insurance discount for the referee and somewhat of an incentive for you to provide similar favorable mentions in the future.

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Accident Benefits: With the exception of Newfoundland and Labrador, Accident Benefits are mandatory across the country. Accident Benefits will pay for things like medical treatments, income replacement and funeral expenses if you are injured or killed in a car accident. Additionally, some areas of the country require that your auto insurance policy include Direct Compensation Property Damage (DCPD) and/or Uninsured Automobile coverage. DCPD covers damage to your vehicle or its contents when someone else causes a collision you’re involved in. Uninsured Automobile coverage also offers protection to you if you’re involved in a collision where the other driver, who is at fault for the accident, does not have auto insurance. 
You can save a bit of money by paying for your insurance once per year rather than once per month. This helps the insurance company save on the administrative costs of billing you every month and a lot of the time they will pass the cost savings on to you. It means you will have to pay a larger amount all at once, but in the long run it can help you save as long as you have that money up front.
Credit Cards Savings: Based on avoidance of unnecessary card fees and correctly chosen insurance protection via a credit card, including $280 in rental car insurance (renting a car for 2 weeks per year), $70 in card fee (fee difference for cards with similar insurance protection), $70 in travel medical insurance for one person for three weeks, and $80 for extended warranty for one electronic device purchased during a year.
However, there are some other federal and provincial laws that allow for exceptions. The biggest exception is Bill S-4, or the Personal Information Protection and Electronic Documents Act. One of the implications for insurance companies is that it they can share personal information without consent if it reasonably allows them to discover and prevent fraud.

Certain conditions apply. The OMA Auto & Home Insurance Program is underwritten by The Personal General Insurance Inc. in Quebec and by The Personal Insurance Company in all other provinces and territories (collectively carrying on business as “The Personal”). The discounts and savings referred to are for Ontario residents only.  Certain products and services may not be available in all provinces and territories. Auto insurance not available in Manitoba, Saskatchewan or British Columbia due to government-run plans. The clauses and terms pertaining to the described coverages are detailed in the insurance policy. Certain restrictions and exclusions are included therein.

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Rental car insurance: A rental car insurance rider is a good product to buy as additional protection with your auto insurance policy. It is an add-on that extends your existing individual car insurance to a rental vehicle. It costs around $20-$30/year. If you decide to get rental car insurance in a rental location, it will cost you $15-$20/day. See the difference?
Yes! The auto insurance quotes you get at Kanetix.ca come straight from the insurance companies and are the same rates you would get if you called them directly; there is no better price to be had. But remember, the rates are only as accurate as the details you provide, so if any information changes once you're chatting with the insurance provider, your rate may change too. 

We're proud of our long history. Over 70 years of providing Canadians with reliable insurance and accurate car insurance quotes in Ontario. Along with our insurance, you can also expect to receive customer service that treats you like an individual, which means you won't find pre-packaged, one-size-fits-all coverage when researching our many and varied solutions. Contact The Co-operators today to learn more. Select the city nearest you from the list.


Ontario paved the way for ride-share insurance in Canada by becoming one of the first provinces to introduce insurance products specifically for Uber drivers, and now for Lyft and other ride-sharing platforms. Several insurance companies now offer this type of coverage as ride-sharing increases in popularity, especially in dense urban areas such as Toronto. 
Maximum discount while enrolled in the CAA Connect program is 15% on renewal after one year. To qualify for the CAA Member Loyalty Discount, you must be a current CAA Member in good standing (CAA Membership dues paid in full by membership expiry date). Eligible CAA Members may qualify to receive a Member Loyalty Discount based on membership tenure and Roadside Assistance usage.

Getting married? Moving? Adding a teen driver to your policy? Make sure your insurer still offers you the best deal: As your life changes, so will your auto insurance rates which means your current insurer may no longer be the one who offers you the most affordable coverage. At minimum, you should be putting your insurer’s auto insurance premiums to the test every year by shopping around.

A car insurance deductible, in essence, is a predetermined amount of money required to be paid by the policyholder when a claim is filed. In Ontario, deductibles can vary, with standard base amounts at about $500 for collision coverage and $300 for comprehensive coverage. A higher deductible can mean lower car insurance premiums but means more money comes out of your pocket during a claim.


Would you consider shopping for auto insurance with Google? According to an article by Bankrate.com, Americans could soon be able to search for auto insurance through the power of Google. With Google Compare, the lowest auto insurance rates could be a simple mouse click away. Google is planning a slow rollout in four U.S. states this quarter: California, Illinois, Pennsylvania and Texas.
As for best place to shop for insurance, I always try Kanetix before I buy any car (new or used), and every year before my insurance is up for renewal. For the past 4 years TD has been the cheapest for me, but that doesn't mean it'll be cheaper for everyone. It depends on how many cars/drivers you insure, if you insure property, and of course it depends on your record, experience, etc.
In general, the cancellation fee is a percentage of your premium and the percentage charged is determined by how far along you are into the term of your policy. For example, you’ll pay more if your current policy is only four months old than if you’re nine months into your coverage. The cancellation fee charged is basically a sliding scale that typically ranges from two to seven per cent. 
If either of you are university graduates, you'll likely get a discount through TD. When you talk to them, ask them for their discounts or tell them of any school you go to, association you belong to or employer you work for. One might have a discount with them. The next time you look for car insurance, try Kanetix's search engine. They generate top insurance quotes. I do it once a year then go the top five places and use their specific search for quotes. Takes like an hour each year, but it's saved me hundreds.

As more Toronto residents choose to use their own vehicle for their commute to and from work, the need for quality car insurance is higher than ever. Roughly four out of five people currently use their car or truck on a daily basis, and with these high numbers come an elevated number of accidents. Aside from honest accidents, other dangers exist such as large animals and drivers on cell phones. A recent survey revealed that 3.2 percent of Toronto drivers use their cellular devices while driving, and this can be just as dangerous as an impaired driver. Car Insurance is crucial for Toronto drivers, and there are a few pointers to ensure you get the best coverage for your money.


A car insurance deductible, in essence, is a predetermined amount of money required to be paid by the policyholder when a claim is filed. In Ontario, deductibles can vary, with standard base amounts at about $500 for collision coverage and $300 for comprehensive coverage. A higher deductible can mean lower car insurance premiums but means more money comes out of your pocket during a claim.
Maximum discount while enrolled in the CAA Connect program is 15% on renewal after one year. To qualify for the CAA Member Loyalty Discount, you must be a current CAA Member in good standing (CAA Membership dues paid in full by membership expiry date). Eligible CAA Members may qualify to receive a Member Loyalty Discount based on membership tenure and Roadside Assistance usage.
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