Maximum discount while enrolled in the CAA Connect program is 15% on renewal after one year. To qualify for the CAA Member Loyalty Discount, you must be a current CAA Member in good standing (CAA Membership dues paid in full by membership expiry date). Eligible CAA Members may qualify to receive a Member Loyalty Discount based on membership tenure and Roadside Assistance usage.
With over 70 years of experience providing Canadians with complete, accurate auto insurance quotes in Ontario you can put your trust in The Co-operators. 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. Every person and every situation is different, and your auto insurance quotes should be too.
A bit of a history lesson: Google introduced its online shopping comparison website Google Compare in the U.K. three years ago. Google Compare is available in the U.S., although currently all you can search for is credit cards. Google is keeping mum on its possible entry into the auto insurance space. However, Google has already been licensed to sell auto insurance in more than 26 U.S. states after working on the project for the past two years, according to Forester Research blogger Ellen Carney.
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.
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.

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.
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.
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?
Like in the rest of the province of Ontario, the minimum amount of third-party liability coverage required by law in Toronto is $200,000. It is often recommended that this number be significantly higher in order to properly help cover your family — especially in a dense urban centre like Toronto, which is surrounded by 400 series highways — traffic accidents are more common than rural areas.
®belairdirect. and ®Little Knight Design are registered trademarks of Belair Insurance Company Inc. Certain conditions, limitations and exclusions apply to all our offers. Offers may change without notice. Not everyone will qualify for a phone or online quote. Insurance products may be underwritten by either Belair Insurance Company Inc. Services provided by belairdirect Agency Inc. ©2018 Belair Insurance Company Inc. All rights reserved.

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.


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.

Direct Compensation Property Damage (DCPD): Available only in New Brunswick, Nova Scotia, Ontario, P.E.I. and Quebec, this covers the cost of loss or damage to your car in an accident for which you were not entirely responsible. To qualify, the other driver has to be identified, insured and found to be at least partially at fault. In some provinces, you can no longer sue another person for damage to your car.
If you're male and under 25 in Ontario, you're going to get dinged hard. It sucks, but it's the way the system's setup. Other than complaining to your MPP about enacting change, you're mostly out of luck. If you're in a large urban area like Toronto, it's also going to hurt since you're paying for other people's accidents. Here's a map from Kanetix to give you an idea of insurance rate differences across Ontario.
As a driver, you can't control these particular changes, but you can control maintaining a clean driving record. Next to comparing rates, this is the best way to keep your auto insurance rates down. However, note that your rates can also increase or decrease if you move, change your commuting time, get a new vehicle, add another driver to your policy, and so on.
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.
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.
If you live in Quebec, the provincial public automobile insurance plan covers you for injury or death due to an automobile accident, no matter who is at fault or where in the world the accident happened. However, under the Automobile Insurance Act, you also have to have third-party liability insurance of at least $50,000 for property damage. This protection, available from private insurers such as The Co-operators, covers any property damage caused to another party.
We know that having a complete vehicle insurance plan in Ontario is important — one that will cover you on our snowy back roads in cottage country to the morning gridlock on the 401. Sometimes in this province you never know what driving conditions you’ll face, which is why you need a comprehensive plan. At PC insurance, we take that very seriously. As a car insurance broker, we shop at up to nine car insurance companies to make sure you get the best rates for your specific driving situation. And we are available 24/7 to help you with any claims.
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.
A couple of at-fault collisions, a few traffic violations or an impaired driving conviction is all it takes to get a high risk driver designation from an auto insurance company in Ontario. That sets you up for high auto insurance premiums for several years or perhaps worse, an outright cancellation or non-renewal of your existing Ontario auto insurance policy.
All factors of geography that affect car insurance prices conspire against Brampton. The best policy rate available for a 35-year-old man who drives an 8-year-old sedan and has no marks on his driving record $1,845 annually. Compare this to the same drive, but change the location to Guelph, 70 km to the west. The Guelph driver saves over $800, almost half the premium for the same insurance.
Usage-based insurance (UBI) is another new technology that is also becoming more popular where you pay your insurance based on when and how you drive. You install the necessary tracking device on your car and it, along with a GPS, monitors your driving behaviour. The data is examined when your policy is up for renewal, and usually looks at the following:
You might think that car insurance quotes for the same driver/car would be similar across all providers, but every auto insurance company has its own costs to cover, based on data about all of their existing users/claims. In fact, an insurance rate calculation has many subtle complexities to it and multiple factors contribute to the final rate you receive. Based on the information you provide for your driving profile a car insurance company will categorize your risk potential and calculate a personalized rate. Unfortunately, some factors are out of your control, but there are still a few that you are 100% in the driver’s seat for, so being in the know could save you money on your auto insurance policy. Here are seven factors that auto insurance companies will consider before offering you a personalized car insurance rate.
By entering my driver's licence number, I authorize CAA Insurance to retrieve prior insurance history for myself to provide me with a faster, more accurate quote. I understand this information will be handled in accordance with the Privacy Policy and Terms of Use of CAA Insurance.By clicking on "Get Started" you agree to the CAA Insurance Privacy Policy and Terms of Use.
×