Depend on The Co-operators for car insurance quotes in Ontario to protect you and everything you cherish. Take a close look at what your specific needs are and then talk to us about the product or service your particular situation demands. It's good to know that you can depend on The Co-operators for personalized coverage and prices that are always fair.
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.
We make the online process for obtaining your best deal on auto insurance simple. Just click on Need a Quote?, and complete our convenient form. Tell our online agent your preferred method of contact via phone number or email address, select the type of vehicle insurance quote you need, enter any message and submit. If you provide the type, year, make and model of your vehicle and describe how the vehicle is primarily used (e.g. - miles driven to work, recreational uses, approximate daily mileage, etc.), our online auto insurance agent can provide a prompt response. For even more affordable car, truck, RV, ATV or boat insurance rates, be sure to mention any anti-theft devices or special safety features.
Know when to cut coverage. Don’t strip away coverage just for the sake of a lower price. You’ll need full coverage car insurance to satisfy the terms of an auto loan, and you’ll want it as long as your car would be a financial burden to replace. But for older cars, you can drop comprehensive and collision coverage, which only pay out up to your car’s current value, minus the deductible.
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.
Just wanted to say that the process of getting the quotes to get insured was so quick and efficient and was really impressive. Being in the service industry myself, I was impressed not only with the friendly and obviously knowledgeable person I was dealing with but also getting the quotes in such a professional, quick and thorough way. It seems access to information was ready at my representatives’ fingertips.
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:
These policies are unique because ride-share drivers are in a unique position. You use your personal vehicle for business purposes, blurring the lines between commercial and personal auto insurance coverage. Ride-share insurance was created to fill that gap. To learn more about insurance for Uber drivers and similar ride-sharing programs, visit our ride-share insurance page here. 

Many universities and colleges have partnerships with a major insurance company to provide cheaper car insurance to current students as well as alumni. They will usually offer other discounts if you bundle with home insurance, as well as priority customer service if you are contacting them for information or to make a claim. Call your school’s representative to find out what benefits you can get, and as always make sure you still compare their quotes in case you can save more money elsewhere.

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.


Limited waiver of depreciation: This coverage protects against the loss of value or depreciation of a new car if, as a result of an accident, your car is beyond repair and must be replaced. This coverage is only available during the first two years of a vehicle lease or ownership. You could receive an amount up to the price you paid for the vehicle or the manufacturer’s suggested price. You can only add this endorsement if you have insured your vehicle with Collision and Comprehensive coverage, Collision and Specified Perils coverage or All Perils coverage.

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. 


Sometimes an insurance company will not automatically adjust your rates to match your up to date driving record, and will only do so when your policy needs to be renewed. This is why when you shop around other companies you can usually find a better rate – they are using your most up to date information. You can also occasionally try calling your company and bring up the following:
No consideration of your driving experience: Some insurers will accept the fact that you can buy car insurance (with a newly received Canadian driving licence) but will treat you like somebody who has just got a driving licence and has no driving experience. If you are a young driver in Ontario, your rates can reach $250-$350 per month – not a very attractive scenario!
Like in the rest of the province of Ontario, the minimum amount of third-party liability coverage required by law in Toronto is $200,000. It is often recommended that this number be significantly higher in order to properly help cover your family — especially in a dense urban centre like Toronto, which is surrounded by 400 series highways — traffic accidents are more common than rural areas.
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