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. 
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.
If you’ve spent time comparing car insurance quotes online, you have a pretty good idea of all the different options available to you. So what makes us different? Well, it’s about more than car insurance rates. We built a strong network of advisors in Ontario and across the country who are always available to bring you excellent service. Add more than 70 years of experience as a co-operative, and you can feel confident that we know exactly how to make sure our members and communities come first.
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.
There are alternatives for those who are motivated. The first step is to start shopping for competitive auto insurance rates in Ontario. Using a superior comparison site such as Rates.ca will help any driver find a auto insurance provider in Ontario for a better price than expected. All auto insurance agents and brokers in Ontario do not necessarily operate the same and will arrive at their own assessment, which often means drivers will be presented with a range of insurance options with different cost structures. Even though drivers still fall in the high risk category, it represents an opportunity to start improving your driving record. It’s best to discuss your accidents, infractions and convictions openly and to find out how long a time period they will count against you, as this varies from province to province.
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.

You can save a bit of money by paying for your insurance once per year rather than once per month. This helps the insurance company save on the administrative costs of billing you every month and a lot of the time they will pass the cost savings on to you. It means you will have to pay a larger amount all at once, but in the long run it can help you save as long as you have that money up front.
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.
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!
Would you like to see your good driving rewarded? You can earn up to 25%* off your insurance when you enroll in our en-route Auto Program. It's very simple: we send you a free wireless device† that is easily installed in your vehicle. Once in place, it will track your driving, and you will be rewarded for travelling less, avoiding late-night journeys and braking/accelerating safely. The program is free and cannot result in premium increases because we only use the data to determine your discount. Sign up now for an immediate 5% discount on your insurance!
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.

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.

The more time you spend on the road, the higher your chances of being in a collision or getting a ticket. If you can, start carpooling with colleagues to work, taking public transit, biking or walking because if you can find ways to spend less time commuting, not only could you benefit from a lower premium, but you’ll also decrease your chances of getting a ticket or being in a collision. There are also health benefits too if you bike or walk to work instead of taking the car.
Obtaining cheap auto insurance quotes from our online insurance providers has never been simpler. All you need to do to get cheap auto insurance rates for any or all of your vehicles is to provide some basic information. Our independent agents will compare insurance company quotes and notify you by email or phone. The appropriate state laws and regulations will be applied to provide you with a speedy auto insurance quote. Whether you just want to save money, are classified as a safe driver or have minor to major dings on your driving record, you may still be able to get much lower rates. The good news is that by shopping Affordable Insurance of Jax for the best rates, you always have free access to cheap auto insurance quotes.
Limited waiver of depreciation: This coverage protects against the loss of value or depreciation of a new car if, as a result of an accident, your car is beyond repair and must be replaced. This coverage is only available during the first two years of a vehicle lease or ownership. You could receive an amount up to the price you paid for the vehicle or the manufacturer’s suggested price. You can only add this endorsement if you have insured your vehicle with Collision and Comprehensive coverage, Collision and Specified Perils coverage or All Perils coverage.
Do you have a teenager with a new license? While this is an exciting time, the idea of your child driving your car around Toronto can be nerve wracking. But with PC auto insurance, you can get the coverage for your child for their driving adventures in the city. Here are some points to consider when adding them to your existing car insurance policy:
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