Get a quote on insurance in Ontario

Ontario drivers pay an average of $1,500 to $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! A lot of insurance companies give huge discounts to seniors. If you’re over 55, we can probably help you reduce your rates.

You’ll need the year, make and model of the vehicle you want to buy for an accurate quote. If you’re car shopping and trying to decide between different makes and models, call us and one of our insurance brokers will get you a quote for each of them. 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. Learn more about ridesharing insurance

This depends on your circumstances. In many instances, working with a broker for your car insurance can save you money. But that’s not always the case. Sometimes going with an agent or a direct writer may get you the best price.

Car insurance rates are determined by many different factors that are unique to you, including where you live, your driving experience, the type of vehicle you’re insuring, if you’ve had tickets or at-fault accidents, and more. Insurance brokers work with multiple insurers to find clients different coverage options and rates. Using a brokerage that has partnered with a large number of insurance companies will give you a higher chance of finding the best price that’s out there for you. It will also save you a lot of time too.

Learn more about the pros and cons of buying insurance from brokers, agents and direct writers.