Those that will continue your driving record: Some companies will consider your previous experience and will offer you a rate based on how long you have been driving, no matter where you got your on-road experience. Check with a broker to see which companies consider previous out-of-Canada experience so you can reduce your chances of a denial and increase your chances of getting the best possible rate.
If you want to save more money on your car insurance, there are a lot of potential ways for you to do so. They all center on reviewing your life, making some changes to your driving habits, and looking into potential discounts you can get. Most importantly of all, always remember to shop around and see your options because you can almost always find cheaper rates somewhere else. Good luck!
While vacationing in California, you have a serious accident for which you are held responsible, leaving the other driver seriously injured. The other driver decides to sue, which results in a judgment against you for the damages to the other driver's vehicle, medical expenses and loss of revenue. The settlement is expensive, but your Additional Third Party Liability helps to cover it.
Also, these collision policies are good for cars that have little to no value. For example, a person who paid for their car years ago and could only get a few hundred dollars for the car can use a collision policy to save money on car insurance every month. Ontario insurance agents can offer people collision coverage that keeps them legally entitled to drive but not cost them very much every month.
As per law in order to drive in Ontario it is mandatory for all Ontario drivers to be covered under the minimum mandatory insurance coverage. Failure to carry valid auto insurance while operating a vehicle in Ontario can lead to numerous fines and place you in a sorely disadvantaged position when being considered for future auto insurance quotes and policies.
Comprehensive: With this option, you’re covered for any threat or danger other than collision, including theft*, damage or loss caused by vandalism, projectiles, and falling or flying objects such as stones kicked up by a truck in front of you. The important thing to remember is that this coverage applies to your vehicle only, not you or your passengers.
As of January 1st 2016, the Ontario government passed a law mandating that insurance companies give drivers a discount on their insurance if they buy and install winter tires on their cars for the winter months. The discount is usually around 5% of your collision coverage, or $72 per vehicle per year, but you will not necessarily get this discount immediately. Some companies make you wait until your policy renews, so make sure you call your insurer to find out how they handle it.
In order to operate a vehicle in Canada, you are required to have a valid car insurance policy in place at all times. Car insurance policy requirements vary from province to province, depending on the type of insurance system each is mandated by (public vs. private). However, you need to have a minimum amount of third-party liability insurance, to protect yourself financially in the event that you injure someone or damage their car/property. You’ll also need a minimum amount of accident benefits protection, which provides you with coverage for any medical/rehabilitation costs that occur as result from an accident.
In order to operate a vehicle in Canada, you are required to have a valid car insurance policy in place at all times. Car insurance policy requirements vary from province to province, depending on the type of insurance system each is mandated by (public vs. private). However, you need to have a minimum amount of third-party liability insurance, to protect yourself financially in the event that you injure someone or damage their car/property. You’ll also need a minimum amount of accident benefits protection, which provides you with coverage for any medical/rehabilitation costs that occur as result from an accident.
Limited waiver of depreciation: This coverage protects against the loss of value or depreciation of a new car if, as a result of an accident, your car is beyond repair and must be replaced. This coverage is only available during the first two years of a vehicle lease or ownership. You could receive an amount up to the price you paid for the vehicle or the manufacturer’s suggested price. You can only add this endorsement if you have insured your vehicle with Collision and Comprehensive coverage, Collision and Specified Perils coverage or All Perils coverage.

We merged with Alex Berthelot Insurance Brokers in January 2013. With this acquisition we were pleased to obtain Alison Rogers who is a graduate of Sault College. She has been a licensed insurance broker for11 years and works in both personal and commercial lines insurance. In her spare time she is an active hockey mom and enjoys watching both her sons play hockey.
But a new type of insurance policy has arrived in Canada that may be just the ticket to help out the high risk driver. Usage based insurance (UBI) has been adopted by several insurance companies in Ontario that are now placing data collection boxes–run by telematics technology–in the cars of their customers to track and record how they drive, including monitoring such things as quick turns, hard acceleration, braking and overall speed. Several Ontario auto insurance firms now present customers with a five to 10 percent discount to do a trial run. In the course of trying to establish a better driving record, having such objective data in the hands of auto insurance providers is bound to help the high risk driver who conforms to safe driving habits.
Know when to cut coverage. Don’t strip away coverage just for the sake of a lower price. You’ll need full coverage car insurance to satisfy the terms of an auto loan, and you’ll want it as long as your car would be a financial burden to replace. But for older cars, you can drop comprehensive and collision coverage, which only pay out up to your car’s current value, minus the deductible.
Sometimes an insurance company will not automatically adjust your rates to match your up to date driving record, and will only do so when your policy needs to be renewed. This is why when you shop around other companies you can usually find a better rate – they are using your most up to date information. You can also occasionally try calling your company and bring up the following:

Depend on The Co-operators for car insurance quotes in Ontario to protect you and everything you cherish. Take a close look at what your specific needs are and then talk to us about the product or service your particular situation demands. It's good to know that you can depend on The Co-operators for personalized coverage and prices that are always fair.
We all know how devastating the physical and emotional toll of an auto accident can be. Yet the financial impact can also be significant, especially when it comes to your automobile, perhaps one of your most treasured – and vulnerable – assets. Even the safest of drivers today face the risk of an accident, with the rise of factors such as distracted driving.   
Get the protection you need at a price you can afford. Get all the discounts and savings you deserve – there are many options to choose from so you can customize coverage for a perfect fit. As you select coverage, remember that your premium will reflect the coverages and coverage amounts that you select. For example, if you select lower coverage amounts, you may pay a lower premium but may need to pay more after an accident.
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