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.
ERS insurance provides you with roadside assistance in the event of a breakdown or mishap while you're out driving. It also covers the cost of getting your car back on the road. Those costs may include light mechanical labour, an oil or gas delivery, new batteries, a boost, tire changes, locksmith services, or even a tow. With help on the way, ERS takes the stress out of a breakdown.
One of the ways you can find out the cost of auto insurance in Toronto is to use a car insurance calculator. Online car insurance calculators make it easy for you to fill out your information so you can assess your coverage and cost options. You'll get a sense of the average Toronto car insurance rates you can expect to pay, based on the information you provided. They are definitely a great resource when shopping for car insurance.
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.
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.
If your driving licence originates from a country that has an agreement with Canada and can be converted into a Canadian licence, there is also the question of how long you can drive with your out-of-country driving licence before you have to convert it, and these times vary by province. Here are examples from Ontario, Alberta, and British Columbia:
Parts of your auto insurance policy may have deductibles. A deductible is the portion of an insurance claim you agree to pay. Your car insurance provider covers the remaining cost. Your deductibles play a part in how your rates are calculated. Depending on how much financial responsibility you take on in the event of a claim, your auto insurance rates will reflect your commitment. Take on more responsibility (i.e. increase your deductibles) and your rates will lower, take on less responsibility (i.e. decrease your deductibles) and your auto insurance premiums will increase.

Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.
In Alberta, Ontario, the Atlantic provinces, and the territories, there are only private insurers. In British Columbia, Manitoba, and Saskatchewan, basic auto insurance is available from the government and additional coverage is available from private insurers. Quebec, on the other hand, has is it's own unique regulations - public insurance covers injury or death while private insurance covers property damage.
With over 70 years of experience providing Canadians with complete, accurate auto insurance quotes in Ontario you can put your trust in The Co-operators. 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. Every person and every situation is different, and your auto insurance quotes should be too.
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.

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.


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.
As of January 1st 2016, the Ontario government passed a law mandating that insurance companies give drivers a discount on their insurance if they buy and install winter tires on their cars for the winter months. The discount is usually around 5% of your collision coverage, or $72 per vehicle per year, but you will not necessarily get this discount immediately. Some companies make you wait until your policy renews, so make sure you call your insurer to find out how they handle it.
Do you have a teenager with a new license? While this is an exciting time, the idea of your child driving your car around Toronto can be nerve wracking. But with PC auto insurance, you can get the coverage for your child for their driving adventures in the city. Here are some points to consider when adding them to your existing car insurance policy:
×