Review Cheap Car Insurance Quotes - Side by Side

Enjoy potentially awesome savings
with our free car insurance calculator

Getting cheap car insurance quotes doesn't have to be a complicated or stressful process. We provide a simple, quick and free car insurance calculator which allows you to enter your information once and instantly receive multiple, highly accurate, personalized, cheap car insurance quotes for side by side comparison. You can then contact the provider of your choice to purchase the exact coverage that you require. It's simply the easiest way to find your best auto Insurance coverage today.

How to Use our Car Insurance Calculator:

1. Enter Your Information

Our car insurance calculator is completely secure and only asks you to input the exact information needed to generate quotes for your review. By using the free online car insurance quoting tool, you can quickly be connected with the best Canadian auto insurance providers in the market today.

2. Compare Insurance Quotes

Through the free insurance quoting service at icandrive.ca, we feature most of the biggest and best companies in the insurance industry, so you can feel confident that you're getting some of the best auto insurance quotes available. The information gathered in step 1 of the online quote comparison tool is used to make sure the car insurance quotes you receive are perfectly tailored to your unique driving profile.

3. Speak With an Insurance Broker

Once you've gotten a chance to review the cheap car insurance quotes provided, you can choose the company that suits your needs the most, and then speak with an insurance agent or insurance broker and start the process of signing up for coverage. This will also be an opportunity to get answers to any additional questions you may have.

4. Purchase Your Car Insurance Policy

In order to sign up and activate your auto insurance policy, you will need to finalize the paperwork with the insurance broker or insurance agent. They will ensure that you are completely covered in terms of the legality of the contract.

5. You're Done!

We try to ensure that the entire process is easy, quick and rewarding for every customer. You are able to quickly see what your best options are, connect with an insurance broker or insurance agent, have a simple conversation to verify details, and before you know it you're covered. Don't forget to come back next year for more cheap car insurance quotes before your insurance renewal date.

How Much Does Car Insurance Cost?

The question "how much is car insurance?" is really difficult to answer because there are so many different variables at play for each individual motorist. Safe driving habits or what kind of driver you are (new driver, mature driver, high risk driver etc.) is perhaps the most important factor, but there are many others like where you live and where you park your vehicle, what make and model is your vehicle, as well as how many kilometers you drive per year. Because competing auto insurance companies evaluate all of these factors somewhat differently from each other, it can really make sense to shop the market and find out what different auto insurance providers can offer for your particular situation and circumstances. Shopping around is simply the best way to find cheap car insurance quotes.

Beyond cheap car insurance quotes - some things you should know:

A car insurance policy or car insurance contract can seem like a very complicated legal document and often times overwhelming to drivers with the terms and information they contain. Once you've gone through the process to compare auto insurance rates and decided on the best auto insurance coverage for your situation, it's time to review your insurance contract. Some of the key legal items your car insurance policy should speak to are:

In Force/Out of Force

This term refers to whether or not a policy is active.  An in force policy is a currently active policy, while one that is out of force has either been cancelled or expired.  If you have an accident while out of force, the insurance company is not required to cover you.

Binding

An insurance policy is considered to be binding when an authorized representative of the company, usually an agent or other representative, accepts the policy and puts it in force – makes it an active policy.

Underwriting

This is the process by which insurance companies determine first whether or not they wish to insure you and second what they will charge you for that insurance.  It involves the work of underwriters who will do the necessary research and make the final determination.

Policy Term

This is the length of time for which the policy is agreed to be in force according to the current terms and rate.  The end of the policy term marks the renewal date at which time the policy is usually reviewed and either accepted for renewal, cancelled or renewed with changes to rates or coverage.  Car insurance terms are commonly one year.

Third-party Liability

This is the coverage that every driver in Canada is required to carry according to provincial laws.  The third party in this case is the insurance company, and they are taking on the financial responsibility for an accident in which you are found to be at fault in return for your premium payments.

Optional Coverage

This refers to any coverage beyond that which is required by law.  There is a wide variety of optional coverage – although they are called optional, comprehensive and collision coverage may be required if you have a loan on your car.

Comprehensive Coverage

This is an optional coverage that protects you from anything other than an accident, such as theft, vandalism or weather damage.

Collision Coverage

This optional coverage provides for repairs to your vehicle in the event of an accident where you are at fault.

Deductible

This is the amount that you are required to pay out-of-pocket before your insurance coverage will kick in on collision and comprehensive claims.  If you are not at fault, you will not have to pay a deductible on collision claims in most cases.  Nearly all comprehensive claims will require deductible payments.

Total Loss

In an auto insurance claim, this term refers to a vehicle that has been damaged to a point that it would cost more to repair it than the vehicle is worth.  This is also referred to as a write-off.  The insurance company takes the car and pays the insured the value of the car.

Waiver of Depreciation

This is an optional coverage that is meant for people driving new cars.  It allows the insured to receive the value of the car as purchased brand new in the event of a total loss, rather than the depreciated value of the vehicle.

No-Fault Insurance

In some provinces, a no-fault insurance system is in place.  This means that no matter who is at fault in an accident, each party’s insurance company pays their claim.  It does not mean that no one is found to be at fault, and the at-fault party will still face an increase in rates.

Looking for a different type of insurance?

Choose the type of insurance coverage you are looking for

The best way to know you are getting the most out of your insurance coverage is to compare offers and shop around - we can do that quickly and efficiently on your behalf. With everything from cheap car insurance quotes to motorcycle insurance, life insurance and home insurance we have things covered. Choose the type of insurance coverage you are looking for and lets get started.

Car Insurance

Car insurance helps protect you from financial loss in the event you are in a car accident and is very important to ensure the safety of all drivers on the road.

Motorcycle Insurance

The freedom of driving a motorcycle should be balanced with an adequate motorcycle insurance policy in the event your ever in an accident.

Life Insurance

Your home could easily be the largest financial expenditure you ever make and home insurance can help protect you in the event of adverse events.

Life Insurance

Life insurance helps families feel peace of mind that in the event of the passing of a loved one the surviving family will still be taken care of.

Want to get insurance information for a specific province or territory?

Choose the province or territory you are looking to get insurance in

Depending on where you in Canada you live, the process of getting insurance can be a bit different. Choosing your province or territory allows us to direct you to the right people and resources who can provide the best possible insurance coverage for your needs.