Auto coverage
Auto insurance, shopped properly.
Ontario auto rates are regulated. What you actually pay is not. We check your record, your vehicle and your history against every carrier we hold.
What we place
Everything you drive, ride or tow.
Car insurance
The mandatory coverage, plus the parts people skip.
See coverageMotorcycle insurance
Seasonal, and rated very differently by each insurer.
See coverageBoats, ATVs and snowmobiles
Toys on land, water and snow.
See coverageRideshare and delivery
Uber, Lyft and food delivery, covered properly.
See coverageClassic and collector cars
Agreed value, not what a book says it is worth.
See coverageWhat it costs
What actually moves the price.
Industry estimates put the Ontario average between $1,500 and $2,000 a year. Where you land inside that range comes down to four things.
Your record
Convictions and at fault accidents, and how long ago they were. Insurers weigh them very differently, which is the whole argument for shopping it.
The vehicle
Make, model and year, and what it costs to repair. Two cars worth the same money can rate a long way apart.
Where it sleeps
Your postcode, and whether it sits in a garage, on a driveway or on the street.
Coverage and deductible
How much liability you carry, and how much of a claim you are willing to absorb yourself.
Common questions
Asked most about auto.
Will a ticket or an accident follow me forever?
No. Minor convictions generally stop counting after three years and most at fault accidents after six, though insurers weigh them differently. That difference is exactly why shopping it matters.
Do winter tires actually save money?
Yes. Ontario insurers are required to offer a winter tire discount. It is small on its own and worth having alongside the rest.
Can I insure a car that is not registered to me?
Sometimes, and it has to be declared properly. Getting this wrong is a common reason a claim gets questioned, so tell us the real arrangement.
Let us see what you should be paying.
Free, no obligation, and no one will call you fourteen times.