NerdWallet averaged rates for 30-year-old men and women for 10 ZIP codes in each state and Washington, D.C., from the largest insurers in each state. “Good drivers” had no moving violations on record and credit in the “good” tier as reported to each insurer. For the other two driver profiles, we changed the credit tier to “poor” or added one at-fault accident, keeping everything else the same. Sample drivers had the following coverage limits:

Discounts may offer another path to lower auto insurance prices for Brampton drivers. Most, if not all, insurers offer discounts, incentives and price breaks when a driver meets conditions. Insuring more than one car or combining home and auto insurance with one company may qualify you for discounts on those policies. Similarly, insuring more than one driver may lead to price breaks.


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.


Become an occasional driver under your parents’ policy – Consider being an occasional driver before getting your own car and becoming a primary driver. Occasional drivers pay significantly less for auto insurance. You can build up driving experience while being an occasional driver and end up paying less for auto insurance once you become a primary driver down the road.
Mortgage Savings: Based on the present value of monthly savings over the mortgage term (3-years). The monthly savings is the difference in monthly payments between the lowest and third lowest mortgage rates from major Canadian lenders as of April 24, 2012. These rates are for a 3-Year closed mortgage for $350,000, with an amortization period of 25 years, in the province of Ontario, for a borrower with a good credit rating.
It is often possible for those seeking cheap car insurance to bundle their service and get an additional discount on other policies such as home insurance. For example, if you have multiple drivers living in a home you own, rather than having separate car insurance policies and a separate home insurance policy, you can often get everything covered in one policy at a significantly discounted rate. Best of all, you can save time when it comes time to pay bills as you will only have to make a single payment.
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.
Getting started is easy, and all it takes it filling out one form. From there, we do the legwork and get rates from over 50 providers in Ontario. We show you quotes directly from the insurers, so there’s no need to go to multiple websites and fill out the same form over and over again. What’s more, we show you the best rates available, making it easy for you to pick the coverage and price you like best for your needs.
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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.
For the most part, cars that are considered compact, mid-size and full size are the most common vehicles quoted from Ontario drivers. The Honda CR-V and Ford Escape are the only crossovers that made it on this list. Although the Dodge Grand Caravan didn’t make the list of top 10, it was number 11, making it a top choice for Ontario drivers that require a family-friendly vehicle.
Parts of your auto insurance policy may have deductibles. A deductible is the portion of an insurance claim you agree to pay. Your car insurance provider covers the remaining cost. Your deductibles play a part in how your rates are calculated. Depending on how much financial responsibility you take on in the event of a claim, your auto insurance rates will reflect your commitment. Take on more responsibility (i.e. increase your deductibles) and your rates will lower, take on less responsibility (i.e. decrease your deductibles) and your auto insurance premiums will increase.
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.
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.
Accident Benefits: With the exception of Newfoundland and Labrador, Accident Benefits are mandatory across the country. Accident Benefits will pay for things like medical treatments, income replacement and funeral expenses if you are injured or killed in a car accident. Additionally, some areas of the country require that your auto insurance policy include Direct Compensation Property Damage (DCPD) and/or Uninsured Automobile coverage. DCPD covers damage to your vehicle or its contents when someone else causes a collision you’re involved in. Uninsured Automobile coverage also offers protection to you if you’re involved in a collision where the other driver, who is at fault for the accident, does not have auto insurance. 
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.
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