Auto Insurance Tips: Best Ideas for Cheaper Car Insurance
Car insurance tips. Here are several tips & tricks which can...
Cheap Ontario Car Insurance Quotes.
Compare quotes from 30+ providers
with a single search. Give it a try!
with a single search. Give it a try!
Free Ontario Insurance Finder
Best, cheap Ontario car insurance quotes online & more
As a website dedicated in large part to Ontario drivers – we strive to provide the best information about things that matter to motor vehicle drivers on Ontario's public roads. From learning to drive in Ontario, to Ontario License information, to tips for finding the best, cheap Ontario car insurance quotes that local motorists want and need, our mission is to serve Canadian drivers. When it comes to purchasing insurance in Ontario, you have three main options:
Get Insurance Quotes Online
In the province of Ontario in order to provide for the increasing consumer need to purchase online, many Ontario insurance providers now offer the option to search, compare and purchase Ontario insurance products online without ever having to leave the comfort of your home.
Ontario Insurance Companies
Given the wide amount of information available most people are aware of the larger Ontario insurance companies in your neighborhood. If you have already decided to purchase insurance from a particular Ontario insurance company you can directly reach out to them or visit their website.
Ontario Insurance Brokers
An Ontario insurance broker is a great resource if you need the expertise of an insurance professional and don't really understand all your insurance options. An Ontario insurance broker will help you navigate the type of Ontario insurance products and help you make the right choice.
Get an Ontario Insurance Quote in 3 Quick & Easy Steps
The ICanDrive.ca car insurance calculator is a great guide to the particular Ontario car insurance quotes that are available for your driving profile. The calculator is a free, easy and quick service that allows you to view the best Ontario car insurance quotes tailored to your specific insurance needs. Even if you have a past history that would deem you a high-risk profile we can still help you find coverage through our featured Insurance Quote Comparison Tool, from one of our profiled Ontario insurance companies or the Insurance section of our Driver's Directory
Start a quote
After taking only the information absolutely necessary, we will present a diverse group of insurers with their best Ontario insurance offers. It's then up to you to decide which quote is the most favourable for your needs and which insurance company you will choose.
Compare Insurance Rates
If you want to save money and be sure that you're getting the best Ontario insurance quote on the market then you need to compare insurance quotes across as many Ontario insurance providers as possible. For the same driver profile, you could get very different insurance quotes from different companies.
Choose the Best Insurance Quote
Once you've got a chance to research your options, compare insurance quotes and check out insurance companies you make a choice on the right insurance coverage and quote for your needs. It's often surprising how much of a benefit your research can contribute to a cheaper insurance quote.
Try it now. Compare Cheap Ontario Car Insurance Quotes. See for yourself.
Find an Ontario Insurance Broker or Agent
When it comes to Ontario insurance customers who have specific needs or particular challenges finding the insurance they require, we suggest to check out our Ontario insurance broker page where you can find Ontario insurance companies, along with other insurance professionals who serve Ontario.
Local brokers and agents can add the sometimes particularly beneficial in-person help and assistance for local residents, and can in some cases be really helpful in lowering insurance costs and streamlining things in more complex situations.
Brokers and agents servicing the Ontario area must thoroughly understand the coverage they sell, and they often have important insights to offer their clients. Be sure to ask about any insurance discounts that may apply to your situation.
A great many insurance operations are based in Ontario and serve Ontario. Underwriters, carriers, and different insurance agents, brokers, firms, agencies, companies and their representatives, serve the Ontario region with an incredible variety of insurance products.
Some of these products include:
- Boat Insurance
- Business Insurance
- Car /Auto Insurance
- Classic Car Insurance
- Commercial Insurance
- Critical Illness Insurance
- Home Insurance
- Liability Insurance
- Life Insurance
- Motorcycle Insurance
- Mortgage Insurance
- Oil and Gas Industry Insurance
- Pet Insurance
- Property Insurance
- RV Insurance
- Travel Insurance
- Title Insurance
ICanDrive.ca has a very simple mission of being as helpful as possible to all Ontario drivers, Ontario insurance buyers and Ontario residents in general. We are always looking to expand our Drivers Directory of Auto Related Services so that we can provide Ontario residents with as many auto insurance possibilities and auto-related services as possible. If you are an Ontario insurance broker, insurance company or an Ontario driving school we strong encourage you to contact us to create a free listing in our Ontario Insurance Brokers or Ontario Driving Schools Directory.
For users who live in a province or territory other than Ontario; we can still help you find the best, cheapest insurance coverage and can put you in touch with an appropriate insurance broker for all of your insurance wants & needs through our find an insurance broker near me service.
What is the Inside Scoop on Cheap Car Insurance in Ontario?
When you look at an Ontario insurance quote, consider more than just a single factor like a cheap rate. Other factors such as company reputation, reliability, level of customer service and past history of fair dealings with customers can greatly enhance the overall quality of your Ontario insurance quote. You need to spend a bit of time comparing insurance quotes and also researching the associated companies. Check out past reviews and ratings for the insurance company of your choice. See if there are any customer complaints, and how things were handled (try to see things from the insurance company perspective as well, as some complaints are unwarranted). Its common knowledge that the way some insurance companies do business makes them a much more pleasant insurance provider, and a bit of research up front can save you lots of stress later.
Check Your Driving Record
Before applying for car insurance, make sure you understand what your driving profile looks like. You should always focus on driving safely, avoiding traffic tickets and fines and remaining within legal driving requirements. All those factors that build your driver profile will be used by an insurance provider to determine what is the lowest premium they can offer.
Your Profile Counts
In addition to your driving history, other factors such as your residential address, where you park your car, the type of vehicle you drive and how often you drive it will also factor into an expensive or cheap Ontario insurance quote. These factors will combine with the more strict calculations associated with your being a low-risk or high-risk driver.
Ask For Additional Savings
Depending on your personal driving profile and some other factors, there can be additional savings on your Ontario insurance quote that you may qualify for. When you speak to a representative, ask the insurance broker or agent if there are additional Ontario car insurance savings you may qualify for and be able to benefit from.
Multiple Policies Discounts
Most Ontario residents require insurance for their vehicle, their home, motorcycle and potentially, a variety of other aspects of their lives. Combining all of your insurance products under one consolidated insurance policy may allow for considerable savings. Maximize all savings opportunities to get the cheapest insurance premiums available.
What Can Statistics Tell us About Ontario Insurance?
The province of Ontario is the most dominant region of Canada. With the largest population and economy, it presents a huge market for the many Ontario insurance companies that serve the province, as well as the Ontario insurance brokers and agents that operate there. As the most populated region of Canada and with an enormously diverse economy, the types of insurance coverage that are required by the residents and businesses that operate in Ontario cover almost every type of insurance product available.
To see what the most prevalent kinds of insurance relationships might be, we decided to take a look at the information complied by Statistics Canada in the 2016 Census Report:
Ontario Population by Age Group
According to StatsCan, the population of Ontario grew from 12,851,821 people in 2011 to 13,448,494 people in 2016. This represents a 4.6 % increase over this time period. The average age was 41 years old, with 2,207,970 people under the age of 15 and 8,988,865 people aged between 15 and 64, indicating that demand for different kinds of insurance coverage like life insurance, critical illness insurance, health insurance, dental insurance and even pet health insurance should remain strong.
Ontario Housing and Insurance Products
Ontario’s real estate market has been very strong during this time period, and therefore demand for insurance products like home insurance, mortgage insurance, condo insurance, tenant insurance, property Insurance, and title insurance has been relatively strong. With a total land area of 908,699.33 square kilometers and a population density of 14.8 people per square kilometer, and private dwellings numbering 5,598,391 units, these aspects of the Ontario insurance market should continue to thrive.
Ontario Income and Insurance Needs
According to the data, the average after-tax income was 39,318 Canadian dollars, which is not as high as some other areas of Canada like Alberta. However, with its enormous population, a great many professionals earn far more than the average. Given that many professionals like lawyers, doctors, contractors and others can be liable if things go wrong, insurance products like construction liability insurance, commercial general liability insurance, errors and omissions insurance and indemnity and liability insurance make up an important niche in the Ontario insurance market.
Ontario Vehicle Types and Insurance Needs
The Ontario auto insurance sector is a huge part of the bigger Ontario insurance market, and Ontario’s private auto insurance system promotes healthy competition between providers. According to Statistics Canada data, 4,375,215 people commuted to work in Ontario in 2016, in a car, van or truck. Interestingly, of these, 2,392,270 were male and 1,982,945 were female, and for 756,385 drivers, the daily commute was an hour or more. The Ontario car insurance market is Canada’s largest, and as Canada’s largest insurance market, Ontario motorcycle insurance, commercial auto insurance and even collector car insurance are in relatively constant demand.
Is Auto Insurance Coverage Compulsory in Ontario?
The Ontario government requires drivers to have car insurance. Fortunately insurance companies in Ontario provide a lot of options for auto insurance coverage; some even offer flexible car insurance payment options that can take your income into account. The bottom line is: different car insurance companies offer different kinds of auto insurance, with some rates being more economical than others. But, before deciding on an Ontario auto insurance company, you should know the basic car insurance laws in Ontario.
Auto Insurance Providers
Private insurers who are non-government insurance providers are responsible for providing Ontario residents with competing Ontario auto insurance policies.
Coverage Limits
The minimum requirement is $200,000 for any Ontario auto insurance policy and must be clearly stated within the policy criteria.
Accidents Benefits
Provides benefits that you, certain family and passengers are entitled to receive if injured or killed in a collision. These benefits include income replacement; payment for medical treatment and rehabilitation costs; payment for funeral expenses and payment for grief counseling for family members.
Third Party Liability
Provides coverage in a situation where you are liable to pay for collision related damages to another person (injury/death) or damages to their property
What Are the Penalties for Driving Without Proper Ontario Insurance?
As per law, in order to drive in Ontario, it is mandatory for all drivers to be covered with the required minimum mandatory insurance coverage. Failure to carry valid auto insurance while operating a vehicle in Ontario can lead to numerous fines and place you in a sorely disadvantaged position when being considered for future Canadian motor vehicle insurance policies.
If you are found driving without a valid Ontario car insurance policy you could be:
Your driving license could be suspended and your vehicle impounded
You could be fined anywhere from $5,000 to $50,000
After being convicted of driving without valid auto insurance you could now be identified as a high risk driver which would put you at a disadvantage and prevent you from being able to enjoy future savings on insurance rates from any Ontario insurance providers
If you are involved in an accident without a valid Ontario auto insurance policy:
Denied entitlement to receive any form of accidents benefits insurance for loss of income, hospital expenses etc
Denied the option to sue an at-fault driver for compensation for any injuries sustained during the accident
In the case of an at-fault accident, held personally responsible for the medical costs/losses incurred by the individual harmed
Why You Should Compare Ontario Car Insurance Quotes.
Auto insurance rate comparisons are an effective way to lower your insurance rates.
We've heard it many times before, with individuals talking about the "best Ontario insurance quote" as if it's simply about getting the lowest rate, but we think there's more to it than that. Service to clients, a record of reliability and fairness with policyholders in the event of an insurance claim, is more important than just providing the cheapest quote.
So take your time to evaluate insurance suppliers carefully before you buy. An affordable price coupled with service, reputation & fairness with clients may in fact turn out to be the best cheap Ontario car insurance quote over the long term.
It's a fact that you can enter exactly the same information into one or more auto insurance quote comparison services, and you are almost certain to not get the exact same insurance price from competing insurance companies. If you have previously shopped for cheap Ontario car insurance through quote comparison services, you've most likely found that the rates you are given for your exact personal driver's history, location, requirements etc. are generally quite different from company to company.
Different auto insurance companies have their own unique philosophy with regard to how they judge driving competency, driving history and location risks, which consequently results in a broad disparity for the rate you get from each individual insurance company. In Ontario, there's a considerable group of insurers catering to the market, each of whom are competing to encourage Ontario motorists to sign up to an insurance policy from their particular insurance organization.
Many Insurance Providers
Ontario is a huge province with many competing insurance organizations that you can choose from. The fact that the industry is privately run creates more competition and a greater requirement that insurance companies to work hard to earn your business.
Compare Quotes
We want you to get the best possible Ontario insurance quote, and while we provide an excellent insurance quote service we encourage our visitors to compare them against alternative rate comparisons services if they want the broadest comparison possible.
Check Renewal Dates
Be aware of when your auto insurance policy renewal date is. The best time to start comparing Ontario car insurance quotes and considering a policy switch is around your renewal date, so you can avoid any additional fees and potentially benefit from a better and cheaper insurance policy.
Ready to Compare Cheap Ontario Car Insurance Rates Online
& Save Money?
Online Advantage
The Internet has changed the world of insurance significantly. And now, we can help you search online for cheap Ontario car insurance rates without you having to leave your home or even pick up the phone.
No Pressure Shopping
You can explore competitive free online insurance quotes from the comfort of your home without having to worry about purchasing on the spot or feeling pressured to make an immediate decision. It's never been faster or easier to find your best cheap Ontario car Insurance quote and policy.
Free Service
Shopping for insurance quotes online costs nothing but a bit of time. It's a completely free service which allows people to shop for and purchase the best possible Ontario insurance online. There is no obligation or pressure to immediately buy anything.
Competitive Quotes
By shopping online, you have access to dozens of insurance providers without having to invest the time into calling each and every company. You can be assured that you are receiving some of the most competitive insurance quotes available in your region.
Try it now. Compare Cheap Ontario Car Insurance Quotes. See for yourself.
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Why use and trust ICanDrive.ca ?
As a website, dedicated in large part to Ontario drivers – we strive to provide the best information about things that matter to residents who use motor vehicles on Ontario's public roads. From learn to drive in Ontario with the Ontario Graduated Driver Licensing program, to Ontario Driving License information, to tips for finding the best, cheap Ontario car insurance quotes that Ontario drivers need and want - our mission is to serve drivers - we've been at it since 2011. We can help you with tips, tools and reminders that drivers can really benefit from. Need a car or a car loan? Check out our car financing section, or search our rapidly growing Driver’s Directory to find a specialist insurance broker or agent. You can even challenge your own driving knowledge with an Ontario driving test. We invite you to explore all the free services we offer, including our guides on insurance, accidents, winter tires and most other topics that affect drivers in Ontario.
We can also help you find good coverage for other Ontario insurance products as well, like Ontario life insurance, Ontario motorcycle insurance and Ontario home insurance. Just select the type of insurance coverage you need in our quoting tool, enter your postal code and click the "Start" button to compare quotes.
