While vacationing in California, you have a serious accident for which you are held responsible, leaving the other driver seriously injured. The other driver decides to sue, which results in a judgment against you for the damages to the other driver's vehicle, medical expenses and loss of revenue. The settlement is expensive, but your Additional Third Party Liability helps to cover it.
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.
Ontario paved the way for ride-share insurance in Canada by becoming one of the first provinces to introduce insurance products specifically for Uber drivers, and now for Lyft and other ride-sharing platforms. Several insurance companies now offer this type of coverage as ride-sharing increases in popularity, especially in dense urban areas such as Toronto. 
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.

Rental car insurance: A rental car insurance rider is a good product to buy as additional protection with your auto insurance policy. It is an add-on that extends your existing individual car insurance to a rental vehicle. It costs around $20-$30/year. If you decide to get rental car insurance in a rental location, it will cost you $15-$20/day. See the difference?
Here's what happens in case of a covered accident: First, you report a claim — online, or through your agent. If there's damage to your vehicle, you can choose your own repair shop or one of our preferred auto shops, which provide great repairs and guaranteed completion dates. Then, subject to the terms and conditions of your auto insurance policy, we pay for the damages. Our claim specialists help find repair facilities in your area, keep you updated on work being done, and process your claim quickly and efficiently.
Dashboard camera, or “dashcams”, is a new technology that is becoming increasingly popular. The appeal is that if there is a dispute of who is at fault in an accident with no other witness, or the other party flees the scene, you have objective proof to fall back on. There is no mainstream or common discount from most insurance companies, at least not yet. There are some ways they can help lower your rates indirectly, however:
As the most populated city in Canada, and the 4th most populated city in North America, Toronto is home to a lot of drivers — and a lot of vehicles. All those cars on the road can make driving in Toronto seem a bit daunting. After all, this is the land of bumper-to-bumper commutes, 16-lane highways, and people who want to get where they're going in a hurry.
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.
In order to operate a vehicle in Canada, you are required to have a valid car insurance policy in place at all times. Car insurance policy requirements vary from province to province, depending on the type of insurance system each is mandated by (public vs. private). However, you need to have a minimum amount of third-party liability insurance, to protect yourself financially in the event that you injure someone or damage their car/property. You’ll also need a minimum amount of accident benefits protection, which provides you with coverage for any medical/rehabilitation costs that occur as result from an accident.
To follow that excellent advice, we’ll continue with another common tip: increase your deductible. It’s not uncommon for those who increase their deductible from $350 to $500 to save 10 to 20 percent on their annual car insurance cost, and possibly a lot more if you bump up the deductible to $1,000. As you discuss this with your car insurance broker or representative in Toronto, why not ask about how combining policies, or bundling insurance packages, can save you money. It’s quite reasonable to expect a 15 percent discount by having one company providing both your home and car insurance requirements. Also, if you have the means, paying your annual premium in one lump sum is another method to lower insurance costs.
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.
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.
Additional Third Party Liability provides extra coverage to protect you financially from the costs of auto accidents causing damage to other people's property and some bodily injury to others outside Quebec. If you're sued, it also provides you with a legal defense in certain instances. We recommend Additional Third Party Liability for you. Additional Third Party Liability provides extra coverage to protect you financially from the costs of auto accidents causing damage to other people's property and some bodily injury to others outside Quebec. If you're sued, it also provides you with a legal defense in certain instances.
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.
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.
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. 
Raising the deductible limits on collision and comprehensive coverage lowers monthly insurance premiums. By taking on more financial responsibility in the case of an accident, a driver lowers day to day costs. A driver must be ready, however, to absorb these costs if an accident occurs. Note that in some cases where a driver is not at fault, other insurance provisions or companies may cover some or all deductible amounts. Check with your agent or broker to determine what applies to your specific policy.

Other discounts can include vehicle amenities, such as using snow tires for winter driving or adding approved anti-theft devices. Usage-based insurance programs are on offer from some insurers. These track how your vehicle operates. Factors such as acceleration and braking report through a smart phone or diagnostic device. Participating insurance companies offer a discount when you sign up for the program and good driving habits potentially generate further savings.


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.
Keep in mind that the minimum car insurance coverage required is determined by the Government of Ontario and may vary in comparison to Alberta, New Brunswick, Newfoundland/Labrador, Nova Scotia, Prince Edward Island, and Quebec. In addition, premiums can vary depending on the area in which you reside, typically being higher in major urban centres, such as Toronto.
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