Certain conditions apply. The OMA Auto & Home Insurance Program is underwritten by The Personal General Insurance Inc. in Quebec and by The Personal Insurance Company in all other provinces and territories (collectively carrying on business as “The Personal”). The discounts and savings referred to are for Ontario residents only.  Certain products and services may not be available in all provinces and territories. Auto insurance not available in Manitoba, Saskatchewan or British Columbia due to government-run plans. The clauses and terms pertaining to the described coverages are detailed in the insurance policy. Certain restrictions and exclusions are included therein.

We're proud of our long history. Over 70 years of providing Canadians with reliable insurance and accurate car insurance quotes in Ontario. Along with our insurance, you can also expect to receive customer service that treats you like an individual, which means you won't find pre-packaged, one-size-fits-all coverage when researching our many and varied solutions. Contact The Co-operators today to learn more. Select the city nearest you from the list.
Car insurance premiums are calculated based on a number of factors that determine the risk of you getting into an accident, and how likely it is that you'll make a claim. These risk factors include your driving and accident history, as well as statistical information such as your age, location and number of years driving. The amount and distance you drive, the type of car you own and whether you live in an urban or rural setting can also affect your premiums.
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.
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. 
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.
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.

Perhaps the worst kept secret or simply the best advice to finding cheap car insurance in Toronto is something you’ve heard over and over again: shop around and compare. Comparing car insurance quotes from multiple companies is one of the the best options available to save money and a simple, convenient way to accomplish this is by going online to do your research. In fact, some car insurance companies in Toronto will give you a 5 to 10 percent discount just by filling out your information and signing up for a policy online because you are saving them from using costlier resources. We’ll insert a shameless plug here and inform you that Rates.ca simplifies the online research process with a proven customized comparison tool that helps you obtain among the lowest car insurance policies on the market.


Pay-as-you-drive: Some insurance providers can reduce your insurance premiums based on your driving profile (capturing data via a special device added to your vehicle). Insurance companies like Desjardins Insurance or Industrial Alliance attract customers promising cheaper vehicle insurance premiums if you can demonstrate that you are a safe driver.
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.
The information and examples provided are intended as general information. This information does not constitute legal or insurance advice. You must speak to one of our insurance advisors before purchasing your policy to review additional coverage options and benefits that could be available. Insurance policies contain exclusions and limitations that may affect your coverage and the benefits payable.

If you’ve chosen to include Collision coverage, Comprehensive coverage, or both on your auto insurance policy, the broker or agent you speak with when discussing your insurance needs will ask you about deductibles. Specifically, you’ll be asked how much you’d like your deductibles to be. Give this question some thought before answering because you’ll want to pick a deductible that fits your budget and will not cause financial stress should you need to submit a claim. While it’s true, your car insurance premiums will be lower with a higher deductible, your deductible needs to align with your personal finances. In general, the most common choices for deductibles are $1,000 or $500; however, there may be other deductible options available to you that may better fit your needs.


Because you indicated you occasionally have non-family members as passengers in your car, we recommend Additional Third Party Liability for you. The more passengers you have in your car, the more damages you can be liable for in the event of an accident – not only are non-family members not covered by most standard insurance, they are also more likely to file law suits.
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:
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.
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.
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.
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.
It’s always helpful to ask your colleagues at work, your family members or close friends to recommend their car insurance firm or broker in Toronto, especially of course, if they are happy with the car insurance rate and satisfied with the service provided. In some cases the recommendation is rewarded with a slight, but always welcome, car insurance discount for the referee and somewhat of an incentive for you to provide similar favorable mentions in the future.
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. 

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.
Pay-as-you-drive: Some insurance providers can reduce your insurance premiums based on your driving profile (capturing data via a special device added to your vehicle). Insurance companies like Desjardins Insurance or Industrial Alliance attract customers promising cheaper vehicle insurance premiums if you can demonstrate that you are a safe driver.
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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.
If either of you are university graduates, you'll likely get a discount through TD. When you talk to them, ask them for their discounts or tell them of any school you go to, association you belong to or employer you work for. One might have a discount with them. The next time you look for car insurance, try Kanetix's search engine. They generate top insurance quotes. I do it once a year then go the top five places and use their specific search for quotes. Takes like an hour each year, but it's saved me hundreds.
Travel Insurance Savings: The average savings for emergency medical travel insurance for single travellers, age 30 - 59, for single trips of 7 days, as compared with the published rates of 5 Canadian banks for their equivalent emergency medical travel insurance. Actual savings vary depending on number of travellers, age, trip duration, and coverage selected. Based on research as of September 4, 2012.
Something that is quite straight forward for Canadians often turns out to be more complicated for those who are new to Canada. Searching for auto insurance and getting a cheap car insurance policy is one such issue, but we are here to help. Here are some questions you need to answer and steps you need to take to get cheap car insurance if you are new to Canada.
Certain conditions, limitations and exclusions apply to all our offers. Not everyone will qualify for a phone or online quote. Insurance products provided by Belair Insurance Company Inc. 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.
Did You Know? New reforms to Ontario insurance law took effect on June 1st 2016 that are meant to reduce the average costs for basic policies. The new policies will also include less coverage, but you will have more choice to pick what extra coverage you want. As of the summer of 2017, the results of this new reform have been mixed and consumers are encouraged to continue shopping around to find the best rates.
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