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.

This is a question that all drivers want to know the answer to – and in most cases the answer will be “too much”. It’s no secret that Toronto has some of the highest car insurance rates in all of Ontario. Unfortunately, since you live in the Greater Toronto Area, you can already to expect to pay more than other Ontario drivers simply because of where you live.


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.
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.
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.
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. 
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.
We are high risk auto insurance experts and we work with all the Ontario high risk insurance companies. We'll compare quotes to get you the cheapest rates and help you save as much as possible. We understand that being a high risk driving is challenging and expensive. Our experts will help you get your car insurance back on track and get you back into regular car insurance.

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.
Mortgage Savings: Based on the present value of monthly savings over the mortgage term (3-years). The monthly savings is the difference in monthly payments between the lowest and third lowest mortgage rates from major Canadian lenders as of April 24, 2012. These rates are for a 3-Year closed mortgage for $350,000, with an amortization period of 25 years, in the province of Ontario, for a borrower with a good credit rating.
We make the online process for obtaining your best deal on auto insurance simple. Just click on Need a Quote?, and complete our convenient form. Tell our online agent your preferred method of contact via phone number or email address, select the type of vehicle insurance quote you need, enter any message and submit. If you provide the type, year, make and model of your vehicle and describe how the vehicle is primarily used (e.g. - miles driven to work, recreational uses, approximate daily mileage, etc.), our online auto insurance agent can provide a prompt response. For even more affordable car, truck, RV, ATV or boat insurance rates, be sure to mention any anti-theft devices or special safety features.
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.

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.
Other insurance conditions may arise depending on the type of vehicle, its use, and any customizations or modifications made to the vehicle. For example, if you have altered your vehicle to enhance its performance or appearance, most insurance companies would need to assess the vehicle to determine if they could insure it. If you plan on modifying your vehicle, call us first! We will let you know if the changes you plan on making could have an impact on your policy.
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