When it comes to comparing auto insurance quotes online, you have a variety of options to choose from. So why should you choose us? Well, it's not only our competitive auto insurance rates. Our network of advisors in Ontario and across Canada are committed to providing the best service no matter what. And because we're a co-operative with more than 70 years of experience, you can rest assured that we always put our members and communities first.
To make sure you get all the available discounts, we apply savings automatically during your car insurance quote. Keep in mind, a lot goes into determining your price, including the vehicle you drive, where you live, how much you drive, and your driving record — as well as coverages, deductibles, and limits. In some provinces your age, gender, and marital status may be factors. Your agent can help you decide how best to balance coverage and price and confirm you're getting all the discounts you're eligible for.
What you use your vehicle for and how often you’re behind the wheel can be a contributing factor in setting car insurance premiums. To get the best rates possible, always try to be as specific as you can about your driving habits. You might consider installing a Usage-Based Insurance (UBI) unit on your car, which tracks where and how you drive, to provide proof of your driving habits. These devices often reward good driving behavior (and penalize bad driving habits such as speeding).
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. 
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:

We are high risk auto insurance experts and we work with all the Ontario high risk insurance companies. We'll compare quotes to get you the cheapest rates and help you save as much as possible. We understand that being a high risk driving is challenging and expensive. Our experts will help you get your car insurance back on track and get you back into regular car insurance.
Here's what happens in case of a covered accident: First, you report a claim — online, or through your agent. If there's damage to your vehicle, you can choose your own repair shop or one of our preferred auto shops, which provide great repairs and guaranteed completion dates. Then, subject to the terms and conditions of your auto insurance policy, we pay for the damages. Our claim specialists help find repair facilities in your area, keep you updated on work being done, and process your claim quickly and efficiently.
Canada’s 9th largest city by population, Brampton sees congestion, poor road conditions, long commutes and a high incidence rate for accidents. Insurance claims costs in the area, also much higher than other parts of the province, may stem from an active insurance fraud network using facilities in the area. Auto insurance fraud practices stem from staged accidents, exploitative towing operators, over-billing repair facilities and unscrupulous medical and rehabilitation clinics. The cost per accident in Brampton is high. All local drivers share the cost to service the area.
For home insurance, there is a 20% reduction in deductible for every claims-free year in all provinces and territories. For auto insurance in Quebec and Newfoundland, there is a $50 reduction in deductible for every claims-free year up to a maximum reduction of $250. For auto insurance in all other provinces and territories there is a 20% reduction in deductible for every claims-free year to a maximum reduction of the deductible total.
Young drivers, those under 25 years of age, can expect to pay considerably more for auto insurance in Ontario. The younger the driver the higher the premiums tend to be. Statistics show that young drivers are much more likely to have traffic violations and be involved in car collisions, probably partly due to lack of driving experience. Auto Insurance companies in Ontario take that into account and as a result charge young drivers much higher premiums to compensate for the risk of insuring them.
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’re driving an older model car in Toronto and not considering purchasing a newer vehicle for a while, investigate the cost of upgrading to anti-lock brakes, air bags, automatic seat belts, installing anti-theft devices or putting in a burglar alarm. Car insurance companies in Toronto often provide discounts for such products or enhancements. If the cost of doing so is favourable versus the long-term savings in your car insurance rate, it’s worth the investment. For older vehicles, it’s also worth considering dropping your Collision coverage to reduce your premiums.
This is the most important tip you will read in this guide. You should always shop around for car insurance – when you first get insurance, when your policy is up for renewal, and so on. There is never a reason not to, and in just a year enough can have changed in your situation to affect your rates. In addition, some companies offer discounts to attract or retain new customers so you should always be on the lookout for such deals.

To drive in Canada, auto insurance is required by law from coast-to-coast-to-coast; however, the cost for coverage varies significantly depending on which province or territory you live in. A recent report (2017) commissioned by Ontario’s Ministry of Finance detailed the average auto insurance premiums paid by drivers across the country, and the range in rates is considerable.


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.
When comparing prices, make sure you know exactly what’s included in your policy. Carefully check the coverage, deductibles and liability limits. While it’s always nice to save money, a lower-priced policy might cost you more in the long run if you discover later that it doesn’t have enough coverage for you and your family. Look for the insurance coverage that best matches your needs, not necessarily the one that costs less.
Many insurance companies offer affordable policies that contain the minimum amount of coverage required by law. But be careful – such policies may look attractive on the surface, but have gaps in coverage that can end up costing you money. So it’s important to know what you’re covered for, but also to choose a reputable company that will stand with you when you need them. At Liberty Mutual, we have coverage options to provide you with affordable car insurance that doesn't compromise on quality. We also offer valuable insurance discounts and multi-policy bundled packages so you can save even more.
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.
Canada’s 9th largest city by population, Brampton sees congestion, poor road conditions, long commutes and a high incidence rate for accidents. Insurance claims costs in the area, also much higher than other parts of the province, may stem from an active insurance fraud network using facilities in the area. Auto insurance fraud practices stem from staged accidents, exploitative towing operators, over-billing repair facilities and unscrupulous medical and rehabilitation clinics. The cost per accident in Brampton is high. All local drivers share the cost to service the area.
The savings is only applied to the cost of insurance. Each product must be separately underwritten. The savings are applicable to RBC Insurance clients who purchase through or have at least two of the following RBC insurance policies currently in force: home insurance, auto insurance or RBC Simplified® Term life insurance policy. This offer can’t be combined with any other offer and may be changed or cancelled without notice. Certain conditions apply.
Each quarter, insurers can apply to have their rates increased or decreased. The Financial Services Commission of Ontario (FSCO), which oversees insurance regulation in the province, approves or denies these requests. Most of the time, insurers request rate increases due to changes in a particular coverage. For example, an insurer experiencing an increased prevalence in payouts resulting from car accidents might apply to have rates increased to help offset the costs of increased claims.
Because you rent vehicles and require a vehicle to get to work and other commitments, we recommend this coverage. It provides a replacement vehicle while your own is being repaired, and also provides rental insurance above and beyond what a rental agency will offer. Because you rent vehicles, we recommend this coverage, which provides rental insurance above and beyond what a rental agency will offer. Because you require your vehicle to get to work or other commitments, we recommend this coverage. If your car is being repaired after a covered incident, we’ll provide a replacement vehicle to you during that time.
The Canadian Automobile Association (CAA) is a non-profit organization in Canada that provides a number of benefits to members, such as roadside assistance and travel services. CAA also provides car insurance, and offers its members additional savings as a benefit. It is a paid membership, and car insurance is an extra service that you would have to sign up for so make sure you still shop around.
For home insurance, there is a 20% reduction in deductible for every claims-free year in all provinces and territories. For auto insurance in Quebec and Newfoundland, there is a $50 reduction in deductible for every claims-free year up to a maximum reduction of $250. For auto insurance in all other provinces and territories there is a 20% reduction in deductible for every claims-free year to a maximum reduction of the deductible total.
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.
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. 

Discounts may offer another path to lower auto insurance prices for Brampton drivers. Most, if not all, insurers offer discounts, incentives and price breaks when a driver meets conditions. Insuring more than one car or combining home and auto insurance with one company may qualify you for discounts on those policies. Similarly, insuring more than one driver may lead to price breaks.
Certain conditions, limitations and exclusions apply to all our offers. Not everyone will qualify for a phone or online quote. Insurance products provided by Trafalgar Insurance Company of Canada. Services provided by belairdirect Agency Inc. ®belairdirect. and ®Little Knight Design are registered trademarks of Belair Insurance Company Inc. used under licence. © 2018 Belair Insurance Company Inc., content used under licence by belairdirect Agency Inc. All rights reserved.
Young drivers qualify for discounts by successfully completing driver training programs that have MTO approval. Be sure to check the MTO site for revoked schools. Certificates of completion won’t be honoured by insurance companies unless a school has MTO approval. At time of publication, two Brampton schools are listed on the list of revoked schools. Some insurance companies also offer discounts to students who maintain honours level marks in high school.
Similarly, many Ontario auto insurance companies have discounts available to customers who install additional safety features, upgrades or alarms in their vehicle. To save money, high risk drivers should also consider trading in their cars for a different model equipped with better safety equipment or one that rates low in car theft frequency or fares better in collisions. Information is available from the Insurance Bureau of Canada, which issues a Canadian Loss Experience Automobile Rating (CLEAR) that’s used by several Ontario auto insurance companies in setting premiums.
If you live in Quebec, the provincial public automobile insurance plan covers you for injury or death due to an automobile accident, no matter who is at fault or where in the world the accident happened. However, under the Automobile Insurance Act, you also have to have third-party liability insurance of at least $50,000 for property damage. This protection, available from private insurers such as The Co-operators, covers any property damage caused to another party.
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