Another important aspect of buying car insurance at a rental location – it probably has much lower insurance limits than your personal car insurance. Let’s say, if you have $2,000,000 liability on your personal policy, an insurance policy purchased in a rental location might only have the minimum required by law – and that’s just $200,000 in Ontario.
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.
The secret to finding cheap car insurance in these provinces is to compare auto insurance rates from as many insurers as possible. Some websites compare rates from just a few providers, but claim they will save you thousands of dollars. We are transparent about the insurers we work. We search for the cheapest car insurance rates across 25 insurance companies – see above (varies by province). This is, by far, more than the most other websites out there. Give it a try and start saving today.
Ajusto is underwritten by The Personal, which refers to The Personal Insurance Company. ® Ajusto is a registered trademark of Desjardins General Insurance Inc., used with permission by The Personal Insurance Company. The discount does not apply to certain endorsements and additional coverages. Please note that the discount will automatically be applied to the premium at renewal.  Ajusto is only available in Ontario and Quebec. 
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.
With the unique challenges facing Brampton drivers, locating the lowest car insurance rates is a priority for many. Ratelab’s car insurance calculator is a powerful comparison shopping tool that matches insurance needs with the lowest cost providers. Start the quote process by entering your home postal code below. The process takes just a few minutes and provides you with up to 10 car insurance estimates matched to your needs.
Did You Know? New reforms to Ontario insurance law took effect on June 1st 2016 that are meant to reduce the average costs for basic policies. The new policies will also include less coverage, but you will have more choice to pick what extra coverage you want. As of the summer of 2017, the results of this new reform have been mixed and consumers are encouraged to continue shopping around to find the best rates.
If something sounds too good to be true, it likely is, and this is true for Ontario car insurance. As you compare car insurance quotes, it is not recommended to seek only the cheapest overall price. Just as a cheap Internet provider with slow service is not preferable, a quote that is significantly lower than the competition likely has hidden downfalls that you should look into. As you compare coverage, make sure to consider things such as the deductible. After all, the point of insurance is to have peace of mind in the event you were to get into an accident. The added investment in a policy that has a lower deductible is often worth the extra monthly payment.

Would you like to see your good driving rewarded? You can earn up to 25%* off your insurance when you enroll in our en-route Auto Program. It's very simple: we send you a free wireless device† that is easily installed in your vehicle. Once in place, it will track your driving, and you will be rewarded for travelling less, avoiding late-night journeys and braking/accelerating safely. The program is free and cannot result in premium increases because we only use the data to determine your discount. Sign up now for an immediate 5% discount on your insurance!
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.

For example, if there's a ticket you forgot to include, or you decide to go with a different deductible, then your auto insurance rate will likely change. The same is true too, if you choose not to bundle your home insurance but originally indicated it was something you'd consider doing. If you don't end up getting home insurance with the provider you buy your auto insurance from, then you'll lose the multi-line discount that was originally applied to your auto insurance quote.
The chart above illustrates the average auto insurance premiums across Canada. Typically the province of Ontario is characterized by the highest auto insurance rates. Quebec, as a rule, has more affordable car insurance premiums since the health part of the insurance (e.g. bodily injuries) is covered by the government. Not all provinces allow customers to choose from a variety of insurers. Three provinces have crown companies being the only source of vehicle insurance:
Many universities and colleges have partnerships with a major insurance company to provide cheaper car insurance to current students as well as alumni. They will usually offer other discounts if you bundle with home insurance, as well as priority customer service if you are contacting them for information or to make a claim. Call your school’s representative to find out what benefits you can get, and as always make sure you still compare their quotes in case you can save more money elsewhere.

We know that you want to get the best car insurance rates and coverage. Getting the best auto insurance is somewhat subjective. It all depends on your current situation, driving and insurance needs. For some people, the best car insurance is based on getting the cheapest car insurance rates. For others, it’s about getting specific coverage or having access to Toronto insurance brokers who provide great customer service.
Do you have a teenager with a new license? While this is an exciting time, the idea of your child driving your car around Toronto can be nerve wracking. But with PC auto insurance, you can get the coverage for your child for their driving adventures in the city. Here are some points to consider when adding them to your existing car insurance policy:
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