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.
Because you rent vehicles and require a vehicle to get to work and other commitments, we recommend this coverage. It provides a replacement vehicle while your own is being repaired, and also provides rental insurance above and beyond what a rental agency will offer. Because you rent vehicles, we recommend this coverage, which provides rental insurance above and beyond what a rental agency will offer. Because you require your vehicle to get to work or other commitments, we recommend this coverage. If your car is being repaired after a covered incident, we’ll provide a replacement vehicle to you during that time.
Review your deductibles: If you have collision and comprehensive coverages included in your auto insurance policy, see how much your deductibles are. If they are set at $500, increasing them to $1,000 will typically save you about five to 10 per cent. Only increase them however, if your budget allows for it because the deductible is what you’ll have to fork out should you need to submit a claim.
Car insurance premiums are calculated based on a number of factors that determine the risk of you getting into an accident, and how likely it is that you'll make a claim. These risk factors include your driving and accident history, as well as statistical information such as your age, location and number of years driving. The amount and distance you drive, the type of car you own and whether you live in an urban or rural setting can also affect your premiums.

This assessment – of your recommended insurance coverages – is based on your responses to the preceding questionnaire. The coverages you see are those determined to be the most important for you – but are by no means the only options available. If you have insurance needs beyond what you see here, one of our advisors can guide you through our other offerings.
Similarly, many Ontario auto insurance companies have discounts available to customers who install additional safety features, upgrades or alarms in their vehicle. To save money, high risk drivers should also consider trading in their cars for a different model equipped with better safety equipment or one that rates low in car theft frequency or fares better in collisions. Information is available from the Insurance Bureau of Canada, which issues a Canadian Loss Experience Automobile Rating (CLEAR) that’s used by several Ontario auto insurance companies in setting premiums.
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.
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.
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.
Would consumers consider buying auto insurance from Google? Although it’s a household name in Internet search, this would be its first time in the auto insurance space. According to a study by Accenture insurance research, two-thirds (67 percent) of U.S. consumers would consider purchasing insurance from sources other than insurance companies, and 23 percent would consider buying online from service providers like Google and Amazon.
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.
Ontario paved the way for ride-share insurance in Canada by becoming one of the first provinces to introduce insurance products specifically for Uber drivers, and now for Lyft and other ride-sharing platforms. Several insurance companies now offer this type of coverage as ride-sharing increases in popularity, especially in dense urban areas such as Toronto. 
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.

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.   

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.


Our guarantee is that within 30 minutes of answering your call, a claims representative will start the claims process, and will have the ability to take charge of the situation and arrange emergency support if required (the "Guarantee"). This applies only in respect of new loss or damage not previously reported to us in respect of a valid belairdirect personal auto or home policy (the "Policy"). The support offered by our claims representatives depends on your insurance coverage and when we receive your call. To activate the Guarantee, the policyholder must call and speak to a claims representative. No other form of communication is permitted to activate the Guarantee. The Guarantee is not valid if our operations are impacted by a system failure or catastrophic situation occurring in Canada at the time of your call, such as: earthquake, blackout, hailstorm, forest fire, flood, act of terrorism, war or other major natural disaster, or political unrest. If we are not able to live up to the Guarantee we will write you a cheque in the amount of the annual premium of your home or auto insurance Policy relating to the claim to a maximum of $1,000. Your coverage will not be affected as a direct result of this payment. Terms and conditions of this Guarantee may change without notice.
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.
If you're in an accident or fender bender, you may think that a run-of-the-mill cheap car insurance policy covers you well enough to fix your car. But what if it doesn't? While saving a little money on your monthly bill may work in the short term, after an accident your car may not be covered, leaving you to pay for car repairs out of your own pocket. What initially seemed like a quick way to save will end up costing you more money.
Our guarantee is that within 30 minutes of answering your call, a claims representative will start the claims process, and will have the ability to take charge of the situation and arrange emergency support if required (the "Guarantee"). This applies only in respect of new loss or damage not previously reported to us in respect of a valid belairdirect personal auto or home policy (the "Policy"). The support offered by our claims representatives depends on your insurance coverage and when we receive your call. To activate the Guarantee, the policyholder must call and speak to a claims representative. No other form of communication is permitted to activate the Guarantee. The Guarantee is not valid if our operations are impacted by a system failure or catastrophic situation occurring in Canada at the time of your call, such as: earthquake, blackout, hailstorm, forest fire, flood, act of terrorism, war or other major natural disaster, or political unrest. If we are not able to live up to the Guarantee we will write you a cheque in the amount of the annual premium of your home or auto insurance Policy relating to the claim to a maximum of $1,000. Your coverage will not be affected as a direct result of this payment. Terms and conditions of this Guarantee may change without notice.
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.

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.
For example, if there's a ticket you forgot to include, or you decide to go with a different deductible, then your auto insurance rate will likely change. The same is true too, if you choose not to bundle your home insurance but originally indicated it was something you'd consider doing. If you don't end up getting home insurance with the provider you buy your auto insurance from, then you'll lose the multi-line discount that was originally applied to your auto insurance quote.
Maximum discount while enrolled in the CAA Connect program is 15% on renewal after one year. To qualify for the CAA Member Loyalty Discount, you must be a current CAA Member in good standing (CAA Membership dues paid in full by membership expiry date). Eligible CAA Members may qualify to receive a Member Loyalty Discount based on membership tenure and Roadside Assistance usage.
×