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.
As more Toronto residents choose to use their own vehicle for their commute to and from work, the need for quality car insurance is higher than ever. Roughly four out of five people currently use their car or truck on a daily basis, and with these high numbers come an elevated number of accidents. Aside from honest accidents, other dangers exist such as large animals and drivers on cell phones. A recent survey revealed that 3.2 percent of Toronto drivers use their cellular devices while driving, and this can be just as dangerous as an impaired driver. Car Insurance is crucial for Toronto drivers, and there are a few pointers to ensure you get the best coverage for your money.
Car owners in Canada are required to insure their vehicle on some level. This is because car accidents happen every day, and the people who are involved in these accidents need to have protection for themselves, their passengers and their vehicles. Avoiding citations for lack of insurance can be handled simply by purchasing the cheapest insurance policy a driver can find.

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Direct Compensation Property Damage (DCPD): Available only in New Brunswick, Nova Scotia, Ontario, P.E.I. and Quebec, this covers the cost of loss or damage to your car in an accident for which you were not entirely responsible. To qualify, the other driver has to be identified, insured and found to be at least partially at fault. In some provinces, you can no longer sue another person for damage to your car.
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.
Direct Compensation Property Damage (DCPD): Available only in New Brunswick, Nova Scotia, Ontario, P.E.I. and Quebec, this covers the cost of loss or damage to your car in an accident for which you were not entirely responsible. To qualify, the other driver has to be identified, insured and found to be at least partially at fault. In some provinces, you can no longer sue another person for damage to your car.
Some employers will offer their employees savings or discounts to employees on their car insurance if you go through them, similar to professional associations and their members. The same tips apply for this as with associations: ask the organization how the insurance benefits work, and make sure to still shop around in case you can find a better deal elsewhere.
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.
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.
Some employers will offer their employees savings or discounts to employees on their car insurance if you go through them, similar to professional associations and their members. The same tips apply for this as with associations: ask the organization how the insurance benefits work, and make sure to still shop around in case you can find a better deal elsewhere.
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In Alberta, Ontario, the Atlantic provinces, and the territories, there are only private insurers. In British Columbia, Manitoba, and Saskatchewan, basic auto insurance is available from the government and additional coverage is available from private insurers. Quebec, on the other hand, has is it's own unique regulations - public insurance covers injury or death while private insurance covers property damage.
If you are in your twenties and either working or in school, you can qualify for various discounts, including discounts for good marks at university or college. Teenagers are usually covered under family car insurance plans, and any age group can take advantage of discounts for taking driver’s education classes – which also help you get your graduated licence faster in Ontario.
We know that having a complete vehicle insurance plan in Ontario is important — one that will cover you on our snowy back roads in cottage country to the morning gridlock on the 401. Sometimes in this province you never know what driving conditions you’ll face, which is why you need a comprehensive plan. At PC insurance, we take that 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. And we are available 24/7 to help you with any claims.

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.

These policies are unique because ride-share drivers are in a unique position. You use your personal vehicle for business purposes, blurring the lines between commercial and personal auto insurance coverage. Ride-share insurance was created to fill that gap. To learn more about insurance for Uber drivers and similar ride-sharing programs, visit our ride-share insurance page here. 
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.
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!
It might take a bit of time and work, but in the end you can save yourself a lot of money. Remember that there are so many factors that affect how much you pay, and so much that constantly changes, that you can do this again every so often and again find a better deal if you’re willing to put in the work. Changing companies does not negatively affect your rates.
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