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.

The secret to finding cheap car insurance in these provinces is to compare auto insurance rates from as many insurers as possible. Some websites compare rates from just a few providers, but claim they will save you thousands of dollars. We are transparent about the insurers we work. We search for the cheapest car insurance rates across 25 insurance companies – see above (varies by province). This is, by far, more than the most other websites out there. Give it a try and start saving today.


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.
Third-party liability: In all provinces and territories in Canada, Third-Party Liability is mandatory. This coverage will pay for the outcome of a lawsuit if you are sued because a collision you caused resulted in the injury or death of another, or resulted in damage to their property. Generally, the minimum required amount of coverage you need to have is $200,000, although typically most drivers have at least $1 million. 
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.
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.
While vacationing in California, you have a serious accident for which you are held responsible, leaving the other driver seriously injured. The other driver decides to sue, which results in a judgment against you for the damages to the other driver's vehicle, medical expenses and loss of revenue. The settlement is expensive, but your Additional Third Party Liability helps to cover it.
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.

What you use your vehicle for and how often you’re behind the wheel can be a contributing factor in setting car insurance premiums. To get the best rates possible, always try to be as specific as you can about your driving habits. You might consider installing a Usage-Based Insurance (UBI) unit on your car, which tracks where and how you drive, to provide proof of your driving habits. These devices often reward good driving behavior (and penalize bad driving habits such as speeding).
Would you like to receive rewards for driving well? Participate in our innovative en-route Auto Program and you could see your insurance discounted by up to 25%*! We send you a wireless device† – at no cost – that's easy to install under your steering column. Once in place, it will track your driving, and you will be rewarded for travelling less, avoiding late-night journeys and braking/accelerating safely. You can rest easy knowing that the entire program is free, and that your premium cannot increase as a result – the data is only used to calculate your discount. Sign up today and save 5% instantly!
Yes! The auto insurance quotes you get at Kanetix.ca come straight from the insurance companies and are the same rates you would get if you called them directly; there is no better price to be had. But remember, the rates are only as accurate as the details you provide, so if any information changes once you're chatting with the insurance provider, your rate may change too. 

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 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!

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.
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.
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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