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.


Young drivers, those under 25 years of age, can expect to pay considerably more for auto insurance in Ontario. The younger the driver the higher the premiums tend to be. Statistics show that young drivers are much more likely to have traffic violations and be involved in car collisions, probably partly due to lack of driving experience. Auto Insurance companies in Ontario take that into account and as a result charge young drivers much higher premiums to compensate for the risk of insuring them.
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.

For those placed in this unfortunate situation, there is an insurance pool called the Facility Association, which serves as a last resort for those unable to convince an auto insurance service provider to insure their vehicle with an appropriate policy. However, a checkered driving history and the high risk associated with unsafe driving practices will still work against candidates as far as auto insurance costs go.
Rental car insurance and credit cards: Many Canadian credit cards include rental car insurance coverage, but there is something very important to know about this. It DOES NOT cover 3rd party liability, meaning that if you damage somebody’s else property, it is not covered. This type of insurance is called a damage/collision wavier, and, as opposed to a real car insurance policy, it is only good for covering scratches/damages on the rental car itself.
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.
*60% of Kanetix customers in Ontario who participated in the survey said Kanetix helped them identify an average savings amount of $776.58 (December 1, 2015 - February 29, 2016) on their car insurance. The cited amount represents the average difference between the best quote obtained at www.kanetix.ca and the current premium amount of participants in the survey. The savings amount varies by individual and does not constitute a guarantee; in each individual case, the difference may be smaller or greater than the savings amount cited.
Cutting back car insurance coverage to meet the provincial minimum requirement is only an option for a few drivers who are able and willing to take on the financial costs of repairing or replacing a vehicle after an accident. The standard provincial policy does not include collision or comprehensive insurance provisions. However, drivers financing car purchases may find that lenders have insurance requirements.

Certain conditions, limitations and exclusions apply to all our offers. Offers may vary and be modified without notice. The information that appears on this website is provided to you for informational purposes only. Your insurance contract prevails at all times; please consult it for a complete description of coverage and exclusions. ©2018 Belair Insurance Company Inc. All rights reserved.


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.
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.
To begin with, you (and all drivers you wish to include in the policy) must have a valid driver's license and be a resident of Canada. Next, insurance companies will look at your prior driving record to determine eligibility and rates. However, rates will vary depending on whether you are looking for a new insurance policy altogether or if you wish to renew an existing one. Other eligibility restrictions may arise from past convictions. This too, will vary depending on when your last conviction occurred and the nature of the conviction.
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