Get a quote on insurance in Ontario

No, getting multiple insurance quotes is the best way to ensure you are getting the policy best suited to your needs. Getting insurance quotes from multiple companies yourself can be very time-consuming, as you have to provide each insurance company with your information and go through their quoting process. The good news is that a broker can get you multiple insurance quotes while asking you the questions only once, compare the coverage offered by different companies, and help you pick the best solution for you.

Online insurance quotes are estimates based on the information you provide. The accuracy of the quote depends on how accurate your information is. For example, an error on the date of a ticket or accident can make a big difference in your rates.

Online quoting tools don’t include rates for insurance companies that don’t make their rates available online. Many insurance brokers also have access to companies and rates that aren’t available online and can only be offered through a broker.

You can get a quote at any time. For auto insurance in Ontario, rates are filed with the Financial Services Regulatory Authority of Ontario (FSRA), so a company’s rates will be the same no matter where you get the quote. One advantage of using a broker with access to multiple insurance companies is that they can compare quotes from many different providers for you at the same time.

Auto insurance is heavily regulated in Ontario, and insurance companies are not able to provide discretionary discounts. However, auto insurance companies can offer discounts that are approved by the regulator, such as multi-policy discounts, claims-free discounts, or full-payment discounts.

In Ontario, insurance companies are not permitted to use credit as a rating factor. However, home insurance companies may use your credit score as part of their rating. When home insurance companies include your credit score in their rates, they will ask for permission to view it. This does not count as an application for credit and has no impact on your credit score.

Insurance brokers can help you get a cheap quote by shopping around for you. Every insurance company has its own rates and coverages. An insurance broker will help by getting quotes from multiple companies and comparing both price and coverage to ensure you have a policy that meets your needs.

Most insurance quotes are valid for 30 days; however, it is best to confirm with your broker how long the quote is valid.

You can request a quote for informational purposes based on example scenarios, such as a hypothetical situation, and the estimate will reflect that. However, for a personalized quote, you’ll need to provide details about your specific situation, as most companies base quotes on factors like your driving record, vehicle, usage, and location.

Always ensure you’re getting a quote from a licensed agent or broker.

Your auto insurance quote is affected by several factors, such as your driving record, the vehicle you drive, and the rates set by the insurance company with the regulator. If you received a quote from an insurance company in the past, they may have changed their rates since leading to higher or lower rates for you even if your driving record hasn’t changed.