Become an occasional driver under your parents’ policy – Consider being an occasional driver before getting your own car and becoming a primary driver. Occasional drivers pay significantly less for auto insurance. You can build up driving experience while being an occasional driver and end up paying less for auto insurance once you become a primary driver down the road.

Also, these collision policies are good for cars that have little to no value. For example, a person who paid for their car years ago and could only get a few hundred dollars for the car can use a collision policy to save money on car insurance every month. Ontario insurance agents can offer people collision coverage that keeps them legally entitled to drive but not cost them very much every month.
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.
Get the protection you need at a price you can afford. Get all the discounts and savings you deserve – there are many options to choose from so you can customize coverage for a perfect fit. As you select coverage, remember that your premium will reflect the coverages and coverage amounts that you select. For example, if you select lower coverage amounts, you may pay a lower premium but may need to pay more after an accident.

If you drive more than 9,000 km, CAA MyPace may not be for you. When you drive more than 9,000 km on CAA MyPace, you will be charged an administrative fee for each additional 1,000 km increment used. This fee will put you above the price of our traditional Auto Insurance policy so you may wish to discuss options with one of our Agents or your Broker.
For home insurance, there is a 20% reduction in deductible for every claims-free year in all provinces and territories. For auto insurance in Quebec and Newfoundland, there is a $50 reduction in deductible for every claims-free year up to a maximum reduction of $250. For auto insurance in all other provinces and territories there is a 20% reduction in deductible for every claims-free year to a maximum reduction of the deductible total.

Insurance rates are always changing. Take car insurance, for example. In many provinces, rates change every three months. Car insurance companies typically apply to their respective regulating board to have their rates either increased or decreased. This means that even if you were getting the best rate two years ago, you might not be getting the best rate today. It's just the nature of the car insurance industry, which is why these same regulating boards recommend drivers shop around and compare rates from at least three different car insurance companies before purchasing a policy. 
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.
Consideration of your prior driving experience: Some companies will treat your former driving experience with respect and consideration when offering you an insurance policy and will give you a cheap insurance quote.Personal experience – when I moved to Canada, TD Insurance acknowledged my driving experience in Germany, and my rates were similar to those of other Canadians even though I was new to the country. That situation can constantly change – so check with a few companies on how they would treat your case, or speak with an insurance broker.
Sometimes an insurance company will not automatically adjust your rates to match your up to date driving record, and will only do so when your policy needs to be renewed. This is why when you shop around other companies you can usually find a better rate – they are using your most up to date information. You can also occasionally try calling your company and bring up the following:
Canada’s 9th largest city by population, Brampton sees congestion, poor road conditions, long commutes and a high incidence rate for accidents. Insurance claims costs in the area, also much higher than other parts of the province, may stem from an active insurance fraud network using facilities in the area. Auto insurance fraud practices stem from staged accidents, exploitative towing operators, over-billing repair facilities and unscrupulous medical and rehabilitation clinics. The cost per accident in Brampton is high. All local drivers share the cost to service the area.
As a resident of Ontario, you will automatically qualify for a 5% discount on eligible coverage* if you complete a car insurance quote using our online quoter right now. The personalized quote will also be emailed to you so you can refer to it at any time. If you want to save up to an additional 25% on your premium, download and use the TD MyAdvantage app!
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