There are alternatives for those who are motivated. The first step is to start shopping for competitive auto insurance rates in Ontario. Using a superior comparison site such as Rates.ca will help any driver find a auto insurance provider in Ontario for a better price than expected. All auto insurance agents and brokers in Ontario do not necessarily operate the same and will arrive at their own assessment, which often means drivers will be presented with a range of insurance options with different cost structures. Even though drivers still fall in the high risk category, it represents an opportunity to start improving your driving record. It’s best to discuss your accidents, infractions and convictions openly and to find out how long a time period they will count against you, as this varies from province to province.

Cutting back car insurance coverage to meet the provincial minimum requirement is only an option for a few drivers who are able and willing to take on the financial costs of repairing or replacing a vehicle after an accident. The standard provincial policy does not include collision or comprehensive insurance provisions. However, drivers financing car purchases may find that lenders have insurance requirements.
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.
The first is when you insure more than one car together on the same policy. So if you or your family have more than one car, you can save on the total insurance payments by having them bundled together on the same policy. The second is by combining multiple types of insurance. Most insurance companies offer savings when you bundle your car and home insurance on one policy, and some even offer additional bundling options for things like boats, jewelry, and more.

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.


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.
Once you get your car insurance quotes, call Kanetix.ca and we'll help you secure your rate. We'll connect you to the provider who offered you the best rate with our priority phone lines. With your permission, we'll also send your quote details to the insurance provider you've selected so you don't have to enter the same information twice. Then, once you are speaking with them, they will validate the information to ensure it is accurate and up-to-date, and your insurance needs are met.
Depend on The Co-operators for auto insurance quotes in Ontario to protect you and everything you cherish. While you may believe that all products are made equal, the truth is that rock bottom rates don't always equal reliable coverage. For high quality insurance coverage in Ontario that's tailored to your specific needs, talk to The Co-operators today, the first choice for auto insurance quotes.
We know driving in Toronto can be challenging, from the Gardiner’s morning gridlock to the crowded parking spots of Bloor. That’s why you need a car insurance plan built for city driving – one suited for the ever-changing road conditions, the speedy freeways and the diverse neighbourhoods. And we take that need very seriously. As a car insurance broker, we shop at up to nine car insurance companies to make sure you get the best rates for your specific driving situation. We’re also available 24/7 to help you with any claims.
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