Car Insurance

Why Choose Us?

In Ontario, car insurance rates seem to be rising every year.  There are many ways we can help you balance the cost of your policy with the right coverage for you.  After all, saving money doesn’t help if your insurance is not there when you need it most.

What is Covered?

Pays for injury, death and damages you may be responsible for as the result of a car accident.  It also pays for defense costs associated with the accident.  

This coverage extends your policy to make sure you are insured even if the other driver does not have insurance.  

Pays for your car to be fixed when you are not at fault in a car accident.  Will also pay for your rental vehicle while your vehicle is being repaired.

Accident Benefits are also known as no fault insurance.  It is important to look at the limits and conditions, which are set by the government.  Generally it pays for a portion of your income if you are unable to work, for medical expenses not covered by OHIP, Funeral Expenses, Housekeeping Expenses and provides for help around the house if you are unable to do your daily chores.  This is one of the most important parts of your policy, which means it is extremely important you understand what is covered, and if you have enough coverage.  Our brokers are more than happy to explain your options.

Do I Have Other Options?

Pays to repair the damage to your vehicle from fire, theft, lightning, windstorm, hail, earthquake, explosion, riots, falling objects, vandalism and more.  

Pays to repair damage to your own vehicle if you are at fault, for hit and run accidents, as well as single car accidents.  

 Combines Collision and Comprehensive Coverage together.

This pays for a rental vehicle if you are at fault in an accident OR if your car is stolen.  You should definitely have this if you have collision coverage on your vehicle.

Often packaged with Loss of Use, rental coverage extends your policy to vehicles you rent that are comparable to yours.  It should specify the limit on your policy.

This coverage ensures your rates won’t increase if you have an at fault accident.  It does NOT protect you against any tickets you may receive as the result of that accident however.  

Most companies have discounts for having no tickets.  This coverage protects that discount if you have a minor ticket such as speeding 10 km/h over the speed limit.  It won’t protect your record if you have a major ticket or license suspension.

If you are hurt as the result of a car accident, you will rely on Accident Benefits to provide you with the medical help you require.  Unfortunately the basic mandatory benefits are quite minimal, however there are options to help protect you when you need it most.

Discounts Available

Most companies give discounts for having a good driving record.  Having years of experience with no accidents will let you have the best rates available.

Insurance companies have started to introduce automated braking discounts for cars equipped with sophisticated systems to help keep you safe.

While telematics are not for everyone, some insurance companies offer discounts for recording how good of a driver you are.  

There has to be some benefits to getting older!  Insurance companies typically offer a seniors discount for when you are in your later years.

Another benefit of being retired, most companies offer a small discount once you are retired.

Having more cars insured with the same company will usually reduce the premium on each car.  

Very similar to the multi-car discount, companies will give you discounts for bundling everything together.

For younger drivers, if you do well in school some companies will give you an additional discount.

Let one of our experienced brokers guide you through auto insurance and give you the peace of mind to drive with confidence.  We balance the needs of every individual and understand everyone has different priorities.  Call today to let us help you at 905-623-4406.