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If you drive in Ontario, you’re required to have at least the mandatory minimum required insurance coverage. Whether you want basic insurance or extended coverage for your car, truck, motorcycle or another vehicle, we’ll ensure that your policy matches your budget and driving habits.
If you’ve had an at-fault accident, you can be sued if you cause property damage or hurt someone. This covers court awards, out-of-court settlements and legal fees. The minimum is $200,000 in coverage, but we recommend $2 million.
This covers medical costs beyond government health plans. It includes rehab, attendant care, and lost income due to missing work. It can also cover the cost of a substitute caregiver for your kids or an elderly parent.
If another driver is at fault for an accident, direct compensation – property damage (DCPD) pays to repair your vehicle, with no deductible. It also covers all the stuff you have in your vehicle and pays for a rental while your car is in the shop.
If you get in a car accident with a driver who doesn’t have insurance, uninsured automobile coverage allows you to recover damages in court or out-of-court as if they did. It also provides coverage for hit-and-runs.
Collision coverage pays to repair or replace your car after an accident. For a small additional premium, loss of use coverage pays for a rental while your vehicle is in the shop.
Comprehensive coverage pays to repair or replace your vehicle if it’s stolen or damaged by fire, vandalism, extreme weather, or flying debris on the road.
You can increase your limits for third-party liability and/or accident benefits for medical, rehabilitation, attendant care, income replacement, death and funeral benefits.
Save a little money while you help save the planet. We have coverage for your charger too.
We work with the best high-risk car insurance companies in Ontario and can save you time and money.
If you drive paying customers in your own car, you need special coverage and we’ve got it.
Drive less than 12,000 km a year? You can save up to 70% on your auto insurance with CAA MyPace.
We’re an outlet for over 70 of Canada’s top insurers, and do the shopping for you to find the best prices on auto insurance in Ontario. We’ll make sure you know exactly what’s covered and what’s not, so you feel completely comfortable with your policy and rate.
Ontario drivers pay an average of $1,500 – $2,000 annually for auto insurance – at least 50% more than other Canadians. Claims costs are also higher. Rates vary significantly by city, with averages as low as $1,000 in Kingston, Napanee and Belleville, and climbing to $2,500 in some regions in the Greater Toronto Area.
Having a good driving record makes a big difference when it comes to your insurance rates. Create safe practices like checking travel routes in advance and adjusting your driving for weather conditions. If you get a speeding ticket or have an at-fault accident, we’ll make sure it doesn’t stay on your driving record forever.
Here are some reasons why certain cars are cheaper to insure than others:
• How well the car protects you in an accident
• Safety features that may prevent accidents
• How often that type of vehicle is stolen
• Cost of car repairs/replacement
Yes, there is. A lot of insurance companies give huge discounts to seniors. If you’re over 55, we can help you reduce your rates.
You’ll need the year, make and model of the vehicle you want to buy for an accurate quote, but keep in mind that you can’t actually get insurance until you show proof of ownership.
No, not in Ontario. Every insurance company that sells car insurance in Ontario needs to get approval from the provincial regulator, FSRA, whenever they want to change their rates. To steer clear of unpleasant rate increases on renewal, avoid tickets and at-fault accidents, make payments on time and always provide accurate info to your broker and insurance company.
If you use your car, truck or van for business (including Uber) you’ll need special auto insurance. But don’t worry, we can help.
Monday to Friday: 8AM-6PM
Saturday: 10AM-4PM
Sunday: Closed
