Because your vehicle is new and still has most of its value, we recommend this coverage. If your car is damaged by weather, vandalized, or stolen, you’ll be covered. Though your vehicle has a few years on it, we still recommend this coverage. If your car is damaged by weather, vandalized, or stolen, you’ll 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 by weather, vandalized, or stolen, you’ll be covered.

Δ PC pet insurance and travel insurance are arranged for by PC Financial Insurance Agency Inc. and are underwritten by selected Canadian insurers. PC Financial Travel Insurance To Go is not available in Quebec or New Brunswick. PC travel insurance online is available in all Canadian provinces except Quebec. PC pet insurance is available in all Canadian provinces.


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.
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.
Although rural backroads and small-towns in Ontario do have their own unique hazards, owning and driving a car in an urban area, like Toronto or Ottawa, carries significantly higher risks for everything from traffic accidents to theft to minor fender benders. Due to the higher risk associated with cars in the city, car insurance is generally more expensive in city centres.

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.
Maximum discount while enrolled in the CAA Connect program is 15% on renewal after one year. To qualify for the CAA Member Loyalty Discount, you must be a current CAA Member in good standing (CAA Membership dues paid in full by membership expiry date). Eligible CAA Members may qualify to receive a Member Loyalty Discount based on membership tenure and Roadside Assistance usage.

Although rural backroads and small-towns in Ontario do have their own unique hazards, owning and driving a car in an urban area, like Toronto or Ottawa, carries significantly higher risks for everything from traffic accidents to theft to minor fender benders. Due to the higher risk associated with cars in the city, car insurance is generally more expensive in city centres.
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.
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.
Before shopping for the best car insurance rates, it is a good idea to do a little bit of homework first. Insurance companies know their products, and it can be easy to become tricked into signing on to a policy with hidden downfalls that the average consumer will not think to ask about. Insurance brokers are not obligated to quote the cheapest rate, so you should ask what those rates are and what the policies entail. Another aspect many shoppers forget to consider is cancellation fees. Before signing anything, you should read the fine print. Every policy has different stipulations, and you should understand what those are or risk being dropped if you get a couple of tickets.
ERS insurance provides you with roadside assistance in the event of a breakdown or mishap while you're out driving. It also covers the cost of getting your car back on the road. Those costs may include light mechanical labour, an oil or gas delivery, new batteries, a boost, tire changes, locksmith services, or even a tow. With help on the way, ERS takes the stress out of a breakdown.
All factors of geography that affect car insurance prices conspire against Brampton. The best policy rate available for a 35-year-old man who drives an 8-year-old sedan and has no marks on his driving record $1,845 annually. Compare this to the same drive, but change the location to Guelph, 70 km to the west. The Guelph driver saves over $800, almost half the premium for the same insurance.
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.
What the above facts help illustrate is that, quite simply, Toronto is a big, busy city with lots of cars on the road. This translates to lots of driving and lots of traffic congestion, which can lead to accidents - especially multi-vehicle accidents. Factor in pedestrians, cyclists, and public transportation (TTC), and there is no shortage of things that drivers need to pay attention to when behind the wheel.
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:
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.
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.
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.

Finding affordable car insurance in Toronto is easier today than ever before. In an increasingly competitive market, consumers comparing car insurance quotes can use the dozens of offers available to their advantage. Although it takes time and research, getting several car insurance quotes puts the power in your hands when it comes to finding the best deal. It is important to explore your options. Not only does this give you a good idea of what you are looking at when it comes to the monthly premium, but it also gives you the power of negotiation.

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.
Third-party liability: In all provinces and territories in Canada, Third-Party Liability is mandatory. This coverage will pay for the outcome of a lawsuit if you are sued because a collision you caused resulted in the injury or death of another, or resulted in damage to their property. Generally, the minimum required amount of coverage you need to have is $200,000, although typically most drivers have at least $1 million. 
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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