Ontario Car Insurance Calculator

How to use our car insurance calculator?

• Tell us about your car
  
  If you want to the best insurance estimates from RATESDOTCA you can start by providing information about your car. First you input the model of your car, the make and year. Also add the average commute distance you drive.
   

• Who are the drivers?
  
  Then we need to know who the primary drivers of your car are. Are you the sole driver or do others us it as well. Please add their license information.
   

• Tell us about your driving record
  
  Part of getting your estimate correct is understanding an accurate account of your driving history. We’ll need to know your at-fault accidents, not at-fault accidents, speeding tickets etc.
  
   

• Get your car insurance discounts
  
  The good news is that getting accurate information about you and your driving history helps us provide any eligible car insurance discounts you may qualify for. For example, bundling auto and home insurance can help save you from about 15 to 20 per cent on car insurance. Being part of a union or membership affiliation can also help you save money.
   

  

• See your rates Once all that information has been added, you will be able to see your insurance estimates and select the one that suits you best. At RATESDOTCA we’ll connect you with the car insurance provider and help you secure your quote instantly.

The right coverage for you

While choosing your car insurance policy, be aware of the different kinds of options. Different providers may offer different you endorsements (add-ons/changes) to meet your needs.

The different types of car insurance coverage you can choose from are:

1. Standard coverage: Standard car insurance has comprehensive and collision coverage, but no endorsements.
2. Enhanced coverage: Enhanced coverage includes comprehensive, collision insurance and endorsements including loss of use, rental car insurance, and depreciation waiver coverage.
3. Custom coverage: When you choose custom coverage, you can easily customize your car insurance policy.

Car insurance discounts available in Ontario

Drivers in Ontario have a variety of options to help reduce their car insurance. One of the first and best ways is to visit RATESDOTCA and compare rates from the top providers in your area. It’s simple to use, provides quick estimates and is free.

Beyond that there are other ways, which include:

• Bundling – By bundling other insurance products with your auto insurance (like home), you are able to receive discounts of between 15 and 20 per cent. Your insurance company appreciates the business and passes administrative savings to you.
• Winter Tires – Although Ontario has not mandated winter tires as a legal requirement (the way some provinces have), insurance companies will offer a discount for using them. They reduce risk in winter weather and can help you avoid accidents.
• Professional Group/Alumni Associations – Are you a member of a union? Did you graduate from university or college, are you a senior? Many car insurance companies in Ontario offer discounts to members of such associations or groups. Talk to your provider to see if you are eligible.
• Usage-based insurance – Participating in insurance programs that are usage-based or use telematics to monitor your driving can help you save money. Good habits are rewarded and typically offer a 10 per cent discounts when you sign up, and as much as 30 per cent at renewal time.
• Deductibles – Increasing your deductible takes risk away from your Ontario auto insurance provider. That risk reduction can help you save money.
• Drive safely – A clean driving record can help you keep rates low.
• Security – Installation of an alarm of anti-theft device will reduce the risk of your car being stole and may save you money.
• Pay upfront – Auto insurance companies in Ontario give discounts to clients that pay in full rather than in monthly or quarterly installments. The reduction is administrative costs is passed onto consumers.