Over 55? Save on Auto Insurance in Ontario.

Remember when you used to get lower rates for being over 55? We do!

We’ll help you get the auto coverage you need at some of the best prices around in minutes, and seniors can qualify for even more discounts. One quick call can help you save on car insurance. What’s not to love?

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Auto Insurance in Ontario: What’s covered?

If you drive in Ontario, you’re required to have at least the mandatory minimum required insurance coverage. Whether you want basic or extended coverage for your car, we’ll ensure that your auto insurance policy matches your budget and driving habits.

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Basic required coverage

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.

Auto insurance in Ontario: Optional coverages

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.

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Why choose Mitch as your insurance broker?

As a trusted broker for over 70 leading insurers, we’ll do the shopping for you to find the best price on auto insurance in Ontario – no matter your age. We’ll make sure you know exactly what’s covered and what’s not, so you feel completely comfortable with your policy and rate.

Good to know: Common questions about auto insurance

How much is car insurance in Ontario?

Ontario drivers pay an average of $1,500 to $2,000 annually for auto insurance. 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.

Senior drivers over the age of 55 can qualify for additional discounts. If you’re approaching 55, be sure to ask your insurance broker about a mature driver discount.

Is there a seniors discount for car insurance?

Yes! A lot of insurance companies give huge discounts to seniors. If you’re over 55, we can probably help you reduce your rates. Learn more here.

Are there any discounts for retirees?

As you approach retirement, you can look forward to a discount (as much as 15%) that is directly related to the fact that you won’t be commuting back and forth to work every day. If you’re transitioning gradually out of the workforce, let your insurance broker know when your work routine changes. Specifically, let them know if your weekly commute to work has been reduced because you’re working less than five days a week.

How can I improve my driving record to save on insurance?

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.

Can I get a car insurance quote without a car?

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 we’ll 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.

Can car insurance prices change daily?

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.

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Why Mitch?

Mitch is a leading digital insurance brokerage on a mission to make insurance lovable through exceptional experiences. Family-owned since 1948, the business is a marketplace for more than 70 of Canada’s top insurance companies. An unwavering supporter for consumer and public good, Mitch believes that everyone deserves fair and transparent insurance.

Mitch Insurance is operated by Mitchell & Whale Insurance Brokers Ltd.

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