When it comes to auto insurance, especially auto insurance in Ontario, many people question whether or not there’s really a way to save money on it. There is! While there are many ways to save, none are more effective than shopping around. How can we be so sure? Well, on average, InsuranceHotline.com shoppers save $450* after comparing car insurance quotes on our site. And, all it takes is a few minutes to compare quotes from our network of over 30 insurance providers. 
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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.
For those placed in this unfortunate situation, there is an insurance pool called the Facility Association, which serves as a last resort for those unable to convince an auto insurance service provider to insure their vehicle with an appropriate policy. However, a checkered driving history and the high risk associated with unsafe driving practices will still work against candidates as far as auto insurance costs go.

You can save a bit of money by paying for your insurance once per year rather than once per month. This helps the insurance company save on the administrative costs of billing you every month and a lot of the time they will pass the cost savings on to you. It means you will have to pay a larger amount all at once, but in the long run it can help you save as long as you have that money up front.
A car insurance deductible, in essence, is a predetermined amount of money required to be paid by the policyholder when a claim is filed. In Ontario, deductibles can vary, with standard base amounts at about $500 for collision coverage and $300 for comprehensive coverage. A higher deductible can mean lower car insurance premiums but means more money comes out of your pocket during a claim.
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.
*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.

When comparing prices, make sure you know exactly what’s included in your policy. Carefully check the coverage, deductibles and liability limits. While it’s always nice to save money, a lower-priced policy might cost you more in the long run if you discover later that it doesn’t have enough coverage for you and your family. Look for the insurance coverage that best matches your needs, not necessarily the one that costs less.
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:
If you’ve spent time comparing car insurance quotes online, you have a pretty good idea of all the different options available to you. So what makes us different? Well, it’s about more than car insurance rates. We built a strong network of advisors in Ontario and across the country who are always available to bring you excellent service. Add more than 70 years of experience as a co-operative, and you can feel confident that we know exactly how to make sure our members and communities come first.
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.

Here at Specialty Life we specialize in life insurance for individuals over the age of 50, with plans offering eligibility up to age 85. Our relationship with leading Canadian insurers provides access to a wide range of no medical insurance policies including Guaranteed Issue. With easy underwriting you can be covered in a matter of days. Apply for a quote and discover your options.
Preferred Vendor Program: Preferred Vendors offer the highest-quality workmanship. When you choose a Preferred Vendor for your repairs, the quality of workmanship is monitored and the bill is settled directly with the repair shop, giving you a hassle-free claims experience. Plus, collision repairs made by a Preferred Vendor are guaranteed for life.1

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.


Insurance policies have different levels and amounts in terms of coverage. While minimums in Ontario, like $200,000 in third-party liability, are legally required, higher coverage can help cover supplementary costs in the event of an accident resulting in injuries or a lawsuit. Compulsory car insurance also covers fixing your car in the event of a not-at-fault accident – regardless of who’s behind the wheel.

Finding the best available car insurance quotes in Ontario isn't just about getting coverage at a cost that's inexpensive. While cost is an important and sometimes deciding factor, what's most important is the level and amount of coverage you'll receive, as well as knowing that you'll receive customer care that you can rely on. You can be certain to receive the total package when you choose The Co-operators. We respect your needs AND your budget with the personalized car insurance quotes we provide. Select the city nearest you to get local car insurance quotes in Ontario, today.
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.
We all know how devastating the physical and emotional toll of an auto accident can be. Yet the financial impact can also be significant, especially when it comes to your automobile, perhaps one of your most treasured – and vulnerable – assets. Even the safest of drivers today face the risk of an accident, with the rise of factors such as distracted driving.   

Many Ontario drivers have additional third party insurance coverage. This is a wise move since the provincial requirement is only for $200,000. Settlements from serious accidents often exceed this amount. Any amount in excess of insurance coverage remains the responsibility of the driver. To guard against serious financial strain, it’s common to add liability coverage to $500,000 and beyond.
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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