Because you travel, we recommend this coverage. Other provinces and countries can have different laws and higher court costs, the risks of which this coverage reduces. Because you have non-family members as passengers, we recommend this coverage. If you are liable in an accident involving people and property not in your family, you’ll have coverage for their damages and your legal fees. Because you travel and have non-family members as passengers, we recommend this coverage. If you are liable in an accident involving people and property not in your family, you’ll have coverage for their damages and your legal fees which is especially important when travelling to places with different laws and court costs.
When it comes to auto insurance, especially auto insurance in Ontario, many people question whether or not there’s really a way to save money on it. There is! While there are many ways to save, none are more effective than shopping around. How can we be so sure? Well, on average, InsuranceHotline.com shoppers save $450* after comparing car insurance quotes on our site. And, all it takes is a few minutes to compare quotes from our network of over 30 insurance providers. 

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.

While Toronto politicians have made efforts to encourage the use of transit and bike lanes, the truth is that more and more residents are choosing to drive. If you are one of them, it is crucial that you have a quality car insurance policy that will cover you when the unexpected occurs. By following these guidelines, you can get the best coverage for your money.
If you drive more than 9,000 km, CAA MyPace may not be for you. When you drive more than 9,000 km on CAA MyPace, you will be charged an administrative fee for each additional 1,000 km increment used. This fee will put you above the price of our traditional Auto Insurance policy so you may wish to discuss options with one of our Agents or your Broker.
Because your vehicle is new and still has most of its value, we recommend this coverage. If your car is damaged in an accident, the repairs will be covered. Though your vehicle has a few years on it, we still recommend this coverage. If your car is damaged in an accident, the repairs will be covered. Since your car is older and has depreciated in value, we recommend you discuss this coverage with an advisor to make sure it’s right for you. If your car is damaged in an accident, the repairs will be covered.
Review your deductibles: If you have collision and comprehensive coverages included in your auto insurance policy, see how much your deductibles are. If they are set at $500, increasing them to $1,000 will typically save you about five to 10 per cent. Only increase them however, if your budget allows for it because the deductible is what you’ll have to fork out should you need to submit a claim.
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.
If you’re committed to switching car insurance providers in order to save a significant sum on your car insurance, it’s worthwhile to find a car insurance firm in Toronto that provides usage-based insurance. UBI employs a telematics-based device that’s placed in your car to monitor your driving behaviour including braking, acceleration, and frequency of turns. You can save five to 10 percent on your annual car insurance cost just by trying it out and up to 30 percent if the driving data collected by the black box supports the fact that you’re one of the drivers that belongs on the road – not one of the irresponsible ones whose licence isn’t worth the plastic it’s printed on!
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Not all collisions affect your insurance rates, but crashes where you’re deemed at fault will drive up your premiums. Insurers care about your three-year driving record, because that’s how long convictions stay on your driving record. A single speeding ticket may not have a huge impact on your premiums, but repeated infractions could cost you – and serious driving crimes that result in court convictions can really hit hard.


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. 

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.
For those placed in this unfortunate situation, there is an insurance pool called the Facility Association, which serves as a last resort for those unable to convince an auto insurance service provider to insure their vehicle with an appropriate policy. However, a checkered driving history and the high risk associated with unsafe driving practices will still work against candidates as far as auto insurance costs go.

The Ontario government requires drivers to have car insurance. Fortunately insurance companies in Ontario give more than just auto insurance coverage; they offer flexible car insurance options to provide you with specific protection rates matching your income. Different car insurance companies offer different auto insurance rates, some rates being more economical than others. Before seeking these Ontario auto insurance companies out, you must know the basic car insurance laws in Ontario.


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.
Among the things insurance companies don’t take into account are: employment history, bankruptcy, your housing situation and history, or your net worth. In Ontario and Newfoundland and Labrador, insurers also cannot take your credit score into account when assessing your premiums – but in Nova Scotia they can; in Alberta, they need your permission. Car colour also doesn’t affect rates – it is a widely-believed myth that owners of red cars pay more – they don’t.

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. 

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. 


The 407ETR is one of the first examples of uninterrupted access toll highway. There are no toll booths. Vehicles report access using a transponder when entering and exiting the highway. If a car has no transponder, then the license plate is photographed digitally. Monthly billing takes place, with invoices summarizing travel sent to the vehicle’s owner.
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:

Here at Specialty Life we specialize in life insurance for individuals over the age of 50, with plans offering eligibility up to age 85. Our relationship with leading Canadian insurers provides access to a wide range of no medical insurance policies including Guaranteed Issue. With easy underwriting you can be covered in a matter of days. Apply for a quote and discover your options.
If you are self-employed, income means your share (proportionate to your ownership interest) of the income or loss of the business net of all business expenses except income taxes. If you are an incorporated business owner, you may also include any wages, salary, fees or commissions which the incorporated business paid to you as an employee of the business.
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!
Many Ontario drivers have additional third party insurance coverage. This is a wise move since the provincial requirement is only for $200,000. Settlements from serious accidents often exceed this amount. Any amount in excess of insurance coverage remains the responsibility of the driver. To guard against serious financial strain, it’s common to add liability coverage to $500,000 and beyond.
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!
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.

Finding the best available auto insurance quotes in Ontario isn't just about getting coverage at a cost that's inexpensive. We understand that the most reliable coverage is personalized to take your lifestyle and insurance requirements into consideration. That's what you'll get from The Co-operators. We provide personalized auto insurance quotes because we respect your needs AND your budget. Choose the city nearest you to receive local auto insurance quotes in Ontario now.
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.
If you have a clean driving record, you qualify for a good driver discount – up to 25% off your premium with programs like Intact’s My Driver Discount. All you need to do is plug a device into your vehicle’s Onboard Diagnostic (OBD) port to track your good driving habits. Information relayed by the device is never used to penalize you – only reward you. We also have other programs available which offer good driving discounts without the use of a device.
Historically known for its uranium mines, Elliot Lake is now known as a beautiful retirement community. Surrounded by numerous lakes, the town offers lots of things for every age group to enjoy, from boating to hiking and even world-class fishing. Elliot Lake offers a variety of lifestyles, and variety is something our brokers at BrokerLink can relate to. BrokerLink is all about finding the right insurance coverage for individual needs. From boat insurance to home insurance and anything in between, we’re here to help customize your policy. Get protection for your business, cottage, motorcycle, car and other valuables too. Call and see how we can bundle your policies and save you money.
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