Car insurance, explained by a person
We compare auto policies from several insurers, walk you through what each coverage actually does, and help you choose what fits your car, your commute and your budget.
How we help with auto insurance
Auto insurance in Ontario has more moving parts than most people expect, and the rules are constantly changing. Price matters, but so does knowing what you would actually receive after a collision.
As brokers, we work for you rather than for one insurer. We shop your policy with the companies we represent, explain the differences in plain language, and stay with you at renewal and when you need to make a claim.
What an Ontario auto policy includes
- Third-party liability
- Pays if you injure someone or damage their property. Ontario sets a legal minimum, but most drivers carry $1 million or $2 million, and we usually recommend the higher limit.
- Accident benefits
- Medical, rehabilitation and attendant care if you are hurt in a collision. We go through the accident benefits on your policy with you.
- Direct compensation for property damage
- Covers damage to your car when another driver is at fault.
- Collision and comprehensive
- Optional coverage for damage to your own car: collision for crashes, comprehensive for theft, fire, vandalism, hail and hitting an animal.
- Uninsured automobile
- Protects you if you are hit by an uninsured driver or by a driver who leaves the scene.
- Endorsements worth knowing
- Add-ons such as rental car coverage while yours is being repaired, waiver of depreciation on a new vehicle, and coverage for cars you rent or borrow.
Where a broker makes a difference
Every situation is different. These are the ones we help with most often.
New and young drivers
Adding a G2 driver can change a household’s premium a lot. We can help you navigate adding a new driver to your policy.
Claims or tickets on your record
One insurer’s decline is not the end of the road. We work with standard and specialty insurers, including Facility Association when needed.
Several vehicles, one household
We bundle cars, and home when it helps, and make sure every driver in the house is listed correctly.
The 2026 accident benefit changes
We go through which benefits are now optional and what you would give up by removing them. Check what your workplace or private disability plan covers first; Paul, Carlos and Susy can also help with the disability and life side.
Brokers who handle auto insurance
Every one of our licensed brokers can help. Call and whoever answers will look after you, or ask for someone by name.
Insurers we compare
Auto insurance questions
Have a question that is not here? Call 519-623-7031 and ask a broker.
What changed with Ontario auto insurance on July 1, 2026?
Medical, rehabilitation and attendant care benefits are still mandatory. Income replacement, non-earner, caregiver, housekeeping, death and funeral and several other benefits became optional, and they only cover you, your spouse, your dependants and drivers listed on your policy. For accidents since July 1, 2026, your auto insurer also pays first for medical and rehabilitation costs. Before removing anything, check what your workplace or private plan covers, and call us to talk it through.
How much liability coverage should I carry?
Most of our clients carry $1 million or $2 million in third-party liability. A serious collision can easily exceed the legal minimum, and the extra limit usually costs little compared with the protection it adds.
Do winter tires lower my premium?
Most Ontario insurers offer a discount for four winter tires installed through the winter months. We will make sure it is applied if your insurer offers it.
What information do I need for a car insurance quote?
Your driver’s licence details, the year, make and model of each vehicle, how it is used and how far you drive, your current insurer, and any claims or tickets. We can take it over the phone in about 15 minutes.
Related coverage
Home insurance
Houses old and new, including homes other insurers have turned down.
Recreational vehicle insurance
Motorcycles, RVs, trailers, boats, ATVs, snowmobiles and classic cars.
Commercial auto insurance
Work trucks, vans and vehicles used for your business.
This page is general information about auto insurance in Ontario. Your coverage depends on your policy wording. Coverage cannot be bound or changed by email, voicemail or web form. You must speak directly with a licensed broker.