The first is when you insure more than one car together on the same policy. So if you or your family have more than one car, you can save on the total insurance payments by having them bundled together on the same policy. The second is by combining multiple types of insurance. Most insurance companies offer savings when you bundle your car and home insurance on one policy, and some even offer additional bundling options for things like boats, jewelry, and more.
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.
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.
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).

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.


Other discounts can include vehicle amenities, such as using snow tires for winter driving or adding approved anti-theft devices. Usage-based insurance programs are on offer from some insurers. These track how your vehicle operates. Factors such as acceleration and braking report through a smart phone or diagnostic device. Participating insurance companies offer a discount when you sign up for the program and good driving habits potentially generate further savings.
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.
Accident Benefits: With the exception of Newfoundland and Labrador, Accident Benefits are mandatory across the country. Accident Benefits will pay for things like medical treatments, income replacement and funeral expenses if you are injured or killed in a car accident. Additionally, some areas of the country require that your auto insurance policy include Direct Compensation Property Damage (DCPD) and/or Uninsured Automobile coverage. DCPD covers damage to your vehicle or its contents when someone else causes a collision you’re involved in. Uninsured Automobile coverage also offers protection to you if you’re involved in a collision where the other driver, who is at fault for the accident, does not have auto insurance. 
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.
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If you are self-employed, income means your share (proportionate to your ownership interest) of the income or loss of the business net of all business expenses except income taxes. If you are an incorporated business owner, you may also include any wages, salary, fees or commissions which the incorporated business paid to you as an employee of the business.

Before shopping for the best car insurance rates, it is a good idea to do a little bit of homework first. Insurance companies know their products, and it can be easy to become tricked into signing on to a policy with hidden downfalls that the average consumer will not think to ask about. Insurance brokers are not obligated to quote the cheapest rate, so you should ask what those rates are and what the policies entail. Another aspect many shoppers forget to consider is cancellation fees. Before signing anything, you should read the fine print. Every policy has different stipulations, and you should understand what those are or risk being dropped if you get a couple of tickets.

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.
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.
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.
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:
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.
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.
NerdWallet averaged rates for 30-year-old men and women for 10 ZIP codes in each state and Washington, D.C., from the largest insurers in each state. “Good drivers” had no moving violations on record and credit in the “good” tier as reported to each insurer. For the other two driver profiles, we changed the credit tier to “poor” or added one at-fault accident, keeping everything else the same. Sample drivers had the following coverage limits:

It is often possible for those seeking cheap car insurance to bundle their service and get an additional discount on other policies such as home insurance. For example, if you have multiple drivers living in a home you own, rather than having separate car insurance policies and a separate home insurance policy, you can often get everything covered in one policy at a significantly discounted rate. Best of all, you can save time when it comes time to pay bills as you will only have to make a single payment.
*75% of Kanetix customers in Ontario who participated in the survey said Kanetix helped them identify an average savings amount of $610 (June – November 2017) 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.
As for best place to shop for insurance, I always try Kanetix before I buy any car (new or used), and every year before my insurance is up for renewal. For the past 4 years TD has been the cheapest for me, but that doesn't mean it'll be cheaper for everyone. It depends on how many cars/drivers you insure, if you insure property, and of course it depends on your record, experience, etc.

Ajusto is underwritten by The Personal, which refers to The Personal Insurance Company. ® Ajusto is a registered trademark of Desjardins General Insurance Inc., used with permission by The Personal Insurance Company. The discount does not apply to certain endorsements and additional coverages. Please note that the discount will automatically be applied to the premium at renewal.  Ajusto is only available in Ontario and Quebec. 
NerdWallet averaged rates for 30-year-old men and women for 10 ZIP codes in each state and Washington, D.C., from the largest insurers in each state. “Good drivers” had no moving violations on record and credit in the “good” tier as reported to each insurer. For the other two driver profiles, we changed the credit tier to “poor” or added one at-fault accident, keeping everything else the same. Sample drivers had the following coverage limits:

Before you commit to anything, make sure you shop around. It's best to compare car insurance quotes offered by insurers and brokers (it's best to get a minimum of 3 quotes). You should make your final purchase with the company or person who provided you with the best service and a competitive rate. The insurance representative should take the time to answer all of your questions and make you feel comfortable about the purchase.
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.
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.
Comprehensive: With this option, you’re covered for any threat or danger other than collision, including theft*, damage or loss caused by vandalism, projectiles, and falling or flying objects such as stones kicked up by a truck in front of you. The important thing to remember is that this coverage applies to your vehicle only, not you or your passengers.
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