Auto Insurance

Affordable auto insurance shouldn’t be a privilage

Your insurance needs are as unique as you are, and we provide the very lowest auto insurance rates in Ontario to drivers from 16 through old age. Our drivers come to us from every walk of life and have varying forms of driver history. The way we see it, no matter your age, or your driving history, you deserve the very best auto insurance possible.

How to save money on your auto insurance

Usage Based Insurance Discounts

Drivers usually save 10% to 15% annually with usage-based insurance. The best discounts go to safe drivers who don’t rack up a lot of mileage, though pricing factors vary between companies. Data is gathered directly from your vehicle’s telematics system or through a device plugged into the car’s diagnostic port.

Multi-Vehicle Discount

The multi-car discount is a discount that applies when you have more than one car insured on a policy. For example, if you’re married and you have both your vehicle and your spouse’s vehicle on the same policy, you can get the discount.

Multi-Policy Discount

To get a multi-policy discount on insurance, buy two or more types of insurance policies, such as car and home insurance, from the same insurance company. In return for the added business, insurance companies will then apply a multi-policy discount ranging from 5% to 30%.

Winter Tire Discount

Depending on your province, you could be eligible for a discount of up to 5% on your auto insurance for installing winter tires. Contact your Financial Advisor and find out if you’re eligible.

Mandatory coverage for auto insurance

Liability coverage

Step one for getting car insurance is getting Liability coverage. This coverage will protect you if you’re responsible for injuring someone or damaging someone else’s property. For example, if you accidentally hit a light post with your car or you accidentally injure someone while you’re driving.

Accident benefits

If you’ve been in a collision and you need medical or rehabilitative care because of your injuries, you can rest easy knowing your expenses are taken care of and you’ve got a partial income if you need time off work. It doesn’t matter whether the accident was your fault or someone else’s. Most of these benefits come with optional limits that you can choose.

Uninsured automobile coverage

If you’re injured in an accident, your Uninsured Automobile Coverage protects you for two scenarios. The first is if you’re in an accident with a driver who doesn’t have insurance, and the second is if you can’t identify the vehicle; for example, if you’re a victim of a hit and run.

Direct compensation property damage

If you’re ever in an accident that’s not your fault, Direct Compensation Property Damage (DCPD) may cover the damage to your car and everything in it. Let’s say you get into a collision and it’s the other driver’s fault. Your car gets damaged so you make a claim to your insurer. It’s your insurer who pays for the damages. There’s no lawsuit between the drivers in this situation. If the other driver is only 50% at-fault, DCPD will only cover 50% of the damage to the car, the things in it, and the loss of use.

Mandatory coverage for auto insurance

Your insurance needs are as unique as you are, and we provide the very lowest auto insurance rates in Ontario to drivers from 16 through old age. Our drivers come to us from every walk of life and have varying forms of driver history. The way we see it, no matter your age, or your driving history, you deserve the very best auto insurance possible.

Common optional coverages

Comprehensive Insurance Coverage

If your car is damaged by fire, theft, or vandalism, you can rest assured that the damage is covered when you’ve got Comprehensive Coverage.

Accident Forgiveness

Also known as Driving Record Protection, is an optional but very important feature of an automobile insurance policy. It allows you to avoid the increase in car insurance rates that will happen when you have your first at-fault accident. Without Accident Forgiveness, in the event of an accident or claim, your insurance premiums may see a huge increase on renewal.

Non-Owned Auto

Liability for Physical Damage to Non-Owned Automobiles, such as a rented vehicle. Also known as OPCF 27, provides a transfer of coverage on your current automobile policy with a specified limit along with the applicable deductible to a rental vehicle. Valid in Canada or the United States.

Loss of Use

When you’re in an accident, the cost to repair your vehicle isn’t your only expense. You still may have to rent a car or find another way to get around while your vehicle is being repaired. Also known as OPCF 20, this will cover the cost of substitute transportation if you are unable to use your vehicle because of a claim. It includes hiring a taxi, renting a substitute vehicle, public transportation or any combination of the above.

Get the coverage you need at prices that are affordable.