Ontario Car Insurance Calculator

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 quitck 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.