Once you get your car insurance quotes, call Kanetix.ca and we'll help you secure your rate. We'll connect you to the provider who offered you the best rate with our priority phone lines. With your permission, we'll also send your quote details to the insurance provider you've selected so you don't have to enter the same information twice. Then, once you are speaking with them, they will validate the information to ensure it is accurate and up-to-date, and your insurance needs are met.
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.
Here's what happens in case of a covered accident: First, you report a claim — online, or through your agent. If there's damage to your vehicle, you can choose your own repair shop or one of our preferred auto shops, which provide great repairs and guaranteed completion dates. Then, subject to the terms and conditions of your auto insurance policy, we pay for the damages. Our claim specialists help find repair facilities in your area, keep you updated on work being done, and process your claim quickly and efficiently.

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.

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.


Overall, men are considered riskier drivers. According to Statistics Canada, men are involved in more than twice as many deadly collisions than women. Drivers under the age of 25, particularly single males, have statistically higher collision rates, and therefore pay higher rates. Insurance is all about assessing risk based on data, so companies consider a number of general factors, including time spent driving, type of vehicle, number of accidents, and general driving behaviours. In some cases, being married – especially if your partner has a good driving record – can reduce your rates.
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. 
*60% of Kanetix customers in Ontario who participated in the survey said Kanetix helped them identify an average savings amount of $776.58 (December 1, 2015 - February 29, 2016) 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.
Discounts may offer another path to lower auto insurance prices for Brampton drivers. Most, if not all, insurers offer discounts, incentives and price breaks when a driver meets conditions. Insuring more than one car or combining home and auto insurance with one company may qualify you for discounts on those policies. Similarly, insuring more than one driver may lead to price breaks.
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!

Ajusto is a usage-based insurance program that you can enjoy on your smartphone to help you monitor and improve your driving habits. The app will provide you your driving score that will determine your savings on your auto insurance premium at renewal. Using Ajusto never results in a rate increase or penalty. Everyone wins with enhanced safety and savings!​
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.
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If you’ve chosen to include Collision coverage, Comprehensive coverage, or both on your auto insurance policy, the broker or agent you speak with when discussing your insurance needs will ask you about deductibles. Specifically, you’ll be asked how much you’d like your deductibles to be. Give this question some thought before answering because you’ll want to pick a deductible that fits your budget and will not cause financial stress should you need to submit a claim. While it’s true, your car insurance premiums will be lower with a higher deductible, your deductible needs to align with your personal finances. In general, the most common choices for deductibles are $1,000 or $500; however, there may be other deductible options available to you that may better fit your needs.

Overall, men are considered riskier drivers. According to Statistics Canada, men are involved in more than twice as many deadly collisions than women. Drivers under the age of 25, particularly single males, have statistically higher collision rates, and therefore pay higher rates. Insurance is all about assessing risk based on data, so companies consider a number of general factors, including time spent driving, type of vehicle, number of accidents, and general driving behaviours. In some cases, being married – especially if your partner has a good driving record – can reduce your rates.
If something sounds too good to be true, it likely is, and this is true for Ontario car insurance. As you compare car insurance quotes, it is not recommended to seek only the cheapest overall price. Just as a cheap Internet provider with slow service is not preferable, a quote that is significantly lower than the competition likely has hidden downfalls that you should look into. As you compare coverage, make sure to consider things such as the deductible. After all, the point of insurance is to have peace of mind in the event you were to get into an accident. The added investment in a policy that has a lower deductible is often worth the extra monthly payment.

As the most populated city in Canada, and the 4th most populated city in North America, Toronto is home to a lot of drivers — and a lot of vehicles. All those cars on the road can make driving in Toronto seem a bit daunting. After all, this is the land of bumper-to-bumper commutes, 16-lane highways, and people who want to get where they're going in a hurry.
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