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Compare Cheap Ontario Car Insurance Quotes — Get An Auto Quote And Save

We’ll Help You Get The Cheapest Insurance Rates In Ontario
Car Insurance QuoteGet a cheap Ontario car insurance quote from one of our friendly insurance brokers and you could save big. They’ll quickly compare the cheapest auto insurance quotes so you’ll get the lowest rate.

They’ll provide savings advice and ask the right questions to make sure you get the best discounts possible. With ThinkInsure you’ll get the best price, lowest rates and coverage to meet your auto insurance needs. We can help you save on Car Insurance In Alberta also!

Car Insurance In Ontario
When you compare auto insurance quotes with us you can expect :

Expert Car Insurance Advice That Saves : ThinkInsure brokers are licensed and highly trained insurance experts. Our insurance brokers will quickly recommend ways for you to save with our many car insurance products and discounts we can offer through our large insurance company partner network.
Quickly Compare The Cheapest Quotes : We can quickly get you cheap insurance quotes from the best insurance companies, so you’ll get the best rates and coverage for your car insurance needs.
One Stop Shopping For Car Insurance : We can take care of ALL your car insurance needs — shopping for best quotes, providing expert advice, personalized service and much more!
Personal Service : All ThinkInsure customers get a dedicated personal service representative to take care of their insurance needs. We take pride in knowing our customers by name and by providing top level customer service.
“ I’m glad I called ThinkInsure to see if I could save on my car insurance. Denise asked me a few questions then quickly got me a bunch of quotes. She explained the differences in coverage and helped me pick the best one for my needs. She ended up saving me close to $400! ”
Margaret, Mississauga, Ontario

What Are Some Tips For Shopping For A Cheap Car Insurance Quote In Ontario?
Compare Cheap Car Insurance Quotes In Ontario
Working with the top insurance companies, we can get car insurance coverage for any Ontario driver. We understand that you are busy and don’t have hours upon hours to shop around for cheap auto insurance quotes. Let us do the shopping for you and help you get the lowest rates.

1. Shopping Around For Car Insurance Quotes Pays Off
Insurance rates for the same car and driver can vary widely between insurance providers. So when you shop around, you’ll get different rates for the exact same car and driver. That’s where a broker comes it. It’s a broker’s job to find and compare car insurance quotes based on you as a driver, your vehicle and the coverage you need.
2. Save Time – Let A Broker Compare Quotes For You
Licensed brokers have such a wealth of knowledge and a network of providers. A broker will use their knowledge to source insurance that meets your budget and needs.
3. Benefit From A Car Insurance Broker’s Expertise And Experience
As licensed professionals, insurance brokers continually update their education and knowledge. They provide unbiased advice based on your situation and their experience.
What’s Your Unique Driving Situation And Car Insurance Needs?
Speak to us. We’ll compare auto insurance quotes and make sure you get the best rates possible. Even though Ontario insurance rates are the highest rates in Canada, you can have peace of mind that our licensed car insurance brokers will get the cheapest rates and the best insurance coverage.

What Determines The Cost Of Auto Insurance Rates?
Auto Insurance Ontario
Many considerations determine car insurance rates across Ontario. Where you live, the car you drive and your driving experience are only some of the factors that impact your auto insurance rates.

Here are some of the key factors car insurance companies consider when determining the cost of a car insurance policy :

Your Driving Experience : How long have you been driving? What level of graduated license do you have? Your rates lower the longer you’ve been insured.
Your Age : Insurers see older drivers as lower risk – as you get older, you are more likely to be a more careful driver and you will qualify for additional car insurance discounts.
Your Gender : Studies show that women are less likely to be in accidents.
Your Driving Record : How is your driving record? Do you have recent tickets or claims? They can increase car insurance rates.
Your Car : What car do you drive – SUV or a sedan? How old is your car? How often does the car get stolen? How safe is the vehicle? Learn more about car related factors that impact car insurance costs what are the cheapest cars to insure.
Car Usage : Do you use your car to drive to work? How many kilometers do you drive annually? Do you use your car for business?
Where You Live : Insurers take where you live into consideration. If your neighbourhood has higher statistics for car theft and accidents, your insurance premiums will reflect the higher risk.
Your Car Insurance Coverage And Deductible Amount : The type of coverage you select will also impact your rates. Choosing comprehensive insurance coverage over basic coverage. Adjusting your deductible amount for collision insurance or comprehensive insurance will impact the cost of car insurance premium.

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Save With The Best Car Insurance Companies In Ontario
We can get you coverage from the top car insurance companies in Canada and Ontario. With over 40 insurance partners we can compare the cheapest insurance quotes to save you money. Here some of the car insurance companies we work with :

Aviva, Chieftain, Coachman, Commonwell, Economical, Echelon, Intact, Jevco, Pafco, Pembridge, Perth, Travelers, Wawanesa, Western RSA, Unica

Learn more about the insurance companies that we work with.

High Risk Auto Insurance For Drivers Who Have Had Some Challenges
Has your car insurance company cancelled or not renewed your insurance policy? Are you considered a high risk driver because of ticket issues, accidents or payment challenges? Don’t worry, we can help!

We are high risk auto insurance experts and we work with all the Ontario high risk insurance companies. We’ll compare quotes to get you the cheapest rates and help you save as much as possible. We understand that being a high risk driving is challenging and expensive. Our experts will help you get your car insurance back on track and get you back into regular car insurance.

How Do You Get A Cheap Ontario Auto Insurance Quote?
Get A Car Insurance Quote
The most effective way to get cheap auto insurance quotes and save money on your coverage is to compare car insurance quotes with multiple providers. The best way to do this is to work with an insurance broker.

One Stop Shopping To Compare The Lowest Auto Insurance Quotes
Getting online car insurance quotes from us is fast, easy and free! Simply enter your basic driving information into our online car insurance quote tool and then we compare quotes from the top car insurance companies.

This quick one stop shopping allows you to compare all the cheapest prices available. Why get online car insurance quotes from a single company, one by one? Save time and let us do the shopping for you — all in one place. If you live in Ontario and you’re looking for the cheapest car insurance rate, you will find it here.

All drivers want to know how to get the cheapest car insurance rates. The good news is there is no secret formula – saving on auto insurance is actually easier than you think!

Here is how you do it :

1. Shop And Compare Quotes : There are many insurance companies in Ontario who want to insure you. Having multiple quotes to compare will help get you the cheapest car insurance rates.

2. Stay Up-to-date With The Latest Developments In The Insurance Industry : Things change quickly in the insurance industry. Staying up-to-date allows you to use this information to help you make the best car insurance decisions.

3. Be An Educated Consumer : Know what your policy means and the coverage you need. If you are not sure about a specific insurance term, talk with your broker to get clarification. Never make assumptions about your coverage.

4. Focus On Value When Comparing Insurance Rates : Price is important, but it’s not the only thing. When comparing car insurance rates, make sure you understand the level of coverage you will receive for your quoted car insurance rates.

5. Consider Insurance Before You Buy A Car : The car you drive will impact your insurance rates. Inquire about the insurance rates of vehicles you are considering before you make your final vehicle purchase decision.

A Broker Can Help You Get The Best Ontario Car Insurance
Cheap Car Insurance Ontario
Car insurance brokers in Ontario are on your side. We work for you, not the insurance company. This means that it’s in our best interest to ensure that you get the best insurance coverage and rates, given your current situation. Insurance brokers, like us, are in the business of helping customers with all their auto insurance needs.

Here are some key reasons why choosing an auto insurance broker makes sense. Insurance brokers will :

Needs : Help you assess your personal car insurance needs.
Unbiased : Provide you with timely and unbiased advice.
Compare : Compare rates and coverage options from a variety of insurance providers.
Explain : Explain your insurance coverage and terms so you can better understand what is included in your policy.
Questions : Answer any of your car insurance related questions.
Claims : Help you during the claims process and be your advocate if issues arise.
Savings : Help you save money on car insurance.
A knowledgeable insurance broker will help you find an insurance policy that makes sense for you!

Why Should You Get A Car Insurance Quote With A Broker?
Ontario insurance brokers can help you effectively compare quotes and ensure you make an educated and informed decision about your car insurance coverage. Working with auto insurance brokers in Ontario is one of the key ways for you to save money today and into the future.

Taking a few minutes to get a quote and compare rates can save you more money than you think. Plus, when you work with a broker, you will ensure you are getting value and coverage that meets all your driving needs.

More Information To Help You Get The Lowest Car Insurance Rates
There are many factors that go into getting the cheapest car insurance. Here are some articles that you might find helpful. You can always call us at 1-855-550-5515 and we’ll be happy to answer any of your questions.

General Car Insurance Savings Tips
Everyone wants to save on their car insurance. Here are some tips to help you save and get the cheapest rates : Top 10 Car Insurance Savings Tips
Car Insurance Tips For Young & New Drivers
New and young drivers have some different challenges when it comes to getting the cheapest car insurance. Here are some helpful savings tips : Car Insurance Savings Tips & Discounts For New And Young Drivers
The Car You Drive Impacts Your Car Insurance Rate
Insurance rates are different for all cars. Some are safer and some are less likely to get stolen. Learn which ones are the cheapest to insure :What Are The Cheapest Cars To Insure?
Where You Live Effects How Much You Pay For Car Insurance
Ontario has the highest car insurance rates in Canada. In particular, the GTA area has the highest rates because of the volume of drivers and traffic. Learn what the government and insurance companies are doing to help lower rates :Lowering The Average Cost Of Car Insurance In Ontario
Comprehensive Insurance And Collision Insurance Deductibles
The insurance deductible amounts you choose for comprehensive and collision coverage on your car insurance policy will impact the overall premium amount. The higher the deductible amount the cheaper your premium will be. Learn more about comprehensive and collision insurance :Comprehensive Insurance And Collision Insurance Explained

Getting A Car Insurance Quote With ThinkInsure Could Save You $500 Or More!
Compare Cheap Ontario Auto Insurance Quotes
We understand that you are busy and taking the time to get an online auto insurance quote can be a challenge. This is where we come in! Let ThinkInsure do the insurance shopping for you. Just fill out your information on our website and we’ll handle the rest. The best part is that it only takes a few minutes of your time!

What are you waiting for? Just call us toll-free 1-855-550-5515 OR click and start the online insurance quote so you can start saving today!

Once completed, you will instantly see the quotes from multiple companies — all looking to win your business! Choosing the best coverage at the cheapest rate has never been so easy!

How Do I Compare Cheap Ontario Car Insurance Quotes?
Getting a car insurance quote with ThinkInsure is quick, easy and can save you a lot of money. In fact, you can compare many car insurance quotes with us at one time and save on your car insurance premiums. To get a quote you can :

Call A ThinkInsure Car Insurance Expert At 1-855-550-5515
A licensed insurance broker will answer all your questions, compare quotes from our 40+ insurance partners and give you savings advice – all in a few minutes. You’ll get the best rates for car insurance with the best coverage – tailored to your circumstances.

Try Our Online Car Insurance Quote Comparison Tool
In just a couple of minutes you’ll get quotes based on your postal code, your vehicle type, and drivers of the car from multiple insurance companies for you to compare.

Getting An Ontario Auto Insurance Quote Online Is Quick And Easy
Our online car insurance quoting tool is a fast and easy way to compare the cheapest quotes. It’s a simple tool that you can use from your computer, smartphone or tablet. All you need to do is answer a few questions.

Enter your basic personal information
Enter your vehicle information
Enter your driving habits
Enter your insurance history
Enter your coverage and deductible needs
Then you’ll instantly receive multiple quotes with the lowest rates available from our insurance partners. In most cases you can save even more by calling us. Our insurance experts can give you advice and find additional discounts that may not be available in our quick quote.

It Only Takes A Couple Of Minutes To Compare Quotes Online
Step 1 — Click To Start : Click here to begin first step in getting online auto insurance quotes.
Step 2 — Enter Your Information : Enter basic driver and car information in our online insurance quote tool.
Step 3 — Choose The Cheapest Quote : Select the best coverage and cheapest rate from the online car insurance quotes generated.

How Do I Get An Accurate Car Insurance Quote?
Car Insurance Quote Ontario
You’ll get your most accurate quote when you speak to a broker. Have your information ready so your broker can get to work for you. The more accurate your information, the more accurate your car insurance quote.

Be Open About Your Driving History
Your broker is working for you. When you share driving details accurately, you will get a customized, accurate quote based on your information. There won’t be any surprises for you.
Have Your Driving And Insurance Information Ready
Provide your broker with the following information :
Driver’s license
Make, model and year of your vehicle
Number of licensed drivers in your household
How many drivers for each vehicle
Vehicle usage: personal, business, both
Number of claims you’ve had
Any moving violations in the last 3 years
Insurance coverage and liability you need

How Long Does It Take To Get A Car Insurance Quote?
Getting a quote is fast and easy. In about 5 minutes or less, you can quickly compare quotes from multiple car insurance companies. 5 minutes could save you $500! Do you have 5 minutes to spare?

Try A Car Insurance Calculator
Using a car insurance calculator allows you to easily compare car insurance options and understand what the market has to offer. It allows you to make an educated decision about your car insurance, ensuring that you make the best decision possible when renewing your policy.

Insurance companies change thier rates frequently so using a car insurance calculator to get an estimate and assess your options is becoming even more important. Learn our Ontario car insurance calculator and how it helps you more efficiently compare auto insurance options and save.
Make Sure You Compare «Apples To Apples» When Comparing Car Insurance Quotes And Coverage

When you compare car insurance coverage options, it’s important to ensure you are comparing the same thing. As they say, you need to compare apple to apple to get an accurate comparison.

Make sure that you use the same coverages, deductible amounts, vehicles and driver information for the car insurance quotes you get. These things impact your quote. If you don’t use the same variables, you won’t be able to accurately compare the prices you are quoted.

When you use the same information to compare quotes, you’ll have a more accurate assessment of which are the cheapest rates and the coverage options that you should consider. If you’re in doubt, an insurance expert can help you compare insurance coverage.
A Guide For Insurance Renewals And Policy Coverage
Insurance Renewal
Insurance renewal time is an opportunity for drivers to save money and reassess their insurance policy and coverage needs. However, the majority of drivers simply allow car insurance renewals to auto renew.

A recent survey conducted for the Financial Services Commission of Ontario found that 52% of drivers paid their policy or took no action to explore their insurance options upon renewal. 16% could not recall if they took action when their policy was last up for renewal.

Failing to take action and compare car insurance options when your policy is up for renewal could be costing your hundreds of dollars per year. Ready to take action? Not sure where to start? We’ve got you covered.

The following will provide you with information about how to renew car insurance, things to consider, tips to get the best rates, and answers common questions about the insurance renewal process. First, let’s start by defining insurance renewals.

Auto Insurance Renewal Definition
What Is An Insurance Renewal?
Standard auto insurance policies last for one year in duration. At the end of the term, your policy will be up for renewal. Your renewal is a new insurance policy.

Your policy renewal includes information about your new insurance rates and coverage for the upcoming year. Rates may or may not be lower than the previous policy. Your rates generally stay the same during the year until your next insurance renewal.

When Does Your Car Insurance Policy Renew?
Car Insurance Renewal
Your insurance policy renewal date is based on when your policy started. Most policies last for one year. Therefore, your renewal will be one year from the date the policy became effective.

For example, if your policy started on March 30, 2018, it would be up for renewal March 30, 2019.

What Can Happen During Insurance Renewals?
There are a number of things that can happen when you get your insurance renewal in the mail :

No change : Your rates stay the same
Increase : Your rates increase
Decrease : Your rates decrease
Cancellation : Your policy is not renewed by your insurer
You also have the option to not renew your policy and switch car insurance coverage to another provider.

The Car Insurance Renewal Process
Whether you are getting auto insurance direct through an insurance company or through a broker, a typical insurance renewal follows these steps :

You receive your policy renewal in the mail : Most insurers will send you a new policy in the mail about 30-60 days prior to your insurance policy renewal date.
Review your new policy terms and rates : You have the opportunity to review the terms of your new policy for the upcoming year.
Auto renewal — no action is required to continue with your policy : If you are in good standing, no action is required by you. Action is only required if you want to make changes to your policy.
Your car insurance coverage continues : You pay your policy or allow the current payment schedule to continue.
The Problem With The Auto Insurance Renewal Process
While there certainly can be instances where no action is required (no change or reduction in rates, no information to update), too many drivers fail to review their new policy. All drivers should, at the very least, review their policy.

Automatic insurance renewals make it easy for people to not be proactive about their auto insurance policy. Too many drivers simply look at the cost and take no action beyond this.

Car Insurance Automatic Renewals Are Simple, But Potentially Costly
How To Renew Insurance Automatic car insurance policy renewals are easy, but it could also be costing you money. Each time your policy is up for renewal is your opportunity to compare insurance quotes, see what other insurers have to offer, and save money.
Never assume your renewal is the best price or your coverage meets your insurance needs. A lot can change in a year. Driving needs may have changed, you may qualify for new discounts, and insurance rates may be lower with other insurance companies.

Using a broker to compare auto insurance quotes before renewing will help you get the cheapest insurance rates each and every time.

The Best Piece Of Advice About Car Insurance Renewals
Even if you intend to stay with your current insurer, still take the time to get a car insurance quote. Comparing quotes is the single best way to see what the market has to offer.

Plus, you may be surprised about how much money you can save – especially if it’s been a few years since your last car insurance quote.

Why Did My Policy Rates Increase At Insurance Renewal?
It’s not uncommon for any driver to see their rates increase, even those with clean driving records. Here are some of the common and foreseen reasons why you could see your insurance rates go up at renewal:

At fault accidents
Insurance claims
Traffic tickets and convictions
Adding a new driver to your policy
Increasing coverage limits
Even if you were claims free and didn’t have any tickets, your insurance rates could still increase at insurance renewal. Insurance rate increases can happen due to increased claim activities, insurance fraud, and changes in the insurance market.

Things To Consider Before Renewing Car Insurance Coverage
Here are some questions to consider that could impact your insurance rates upon renewal :

Do you commute? How far do you drive each day? Has your daily driving distance changed recently?
Do you use your car for business?
Who drives your vehicle? Do you need to add an occasional driver to your policy?
Do you need to remove a driver from your policy?
Have your coverage needs changed? Do you need to increase or decrease coverage limits?
Do you have winter tires?
Have you added any upgrades to your vehicle (stereo, auto car starter, tint, aftermarket accessories)?
Have you recently upgraded the vehicle security? Added an anti-theft device?

Always Update Your Information During Car Insurance Renewals
Expired Insurance Renewal
Insurance renewal time is also your opportunity to update your information with your broker or insurer. Here is some information to update :

Mailing address : Your postal code impacts car insurance rates
Contact information : Ensure your phone number and email address are up to date
Vehicle usage : If you change how you use your vehicle, notify your insurer
Car modifications : Any changes to your vehicles engine or physical appearance should be reported to your insurer
New drivers : Let your insurance company know of any new drivers in your home that will be using your vehicle
Tickets : While you may be tempted to not tell your insurer, you are required to inform them of traffic convictions, license suspensions, and accidents

What Happens With A Renewal Of Car Insurance After The Due Date?
When your car insurance policy is up for renewal, it’s very important to make your insurance fee payment on time. If you fail to pay by the due date, your policy could be temporarily suspended or cancelled. You’ll also be driving without insurance.

While a renewal of car insurance after the due date is possible, it can be difficult. You may be forced to pay a late fee or face higher rates because of a gap in coverage.

I Was Refused A Car Insurance Renewal. Now What?
Has your car insurance renewal been declined? Car insurance non renewals can happen. Your insurance company has the right to NOT offer you a policy when your policy comes up for renewal.

In most cases car insurance is not renewed due to high risk activity. If you’ve been involved in an at fault accident or two, have been convicted of a major traffic violation, filed too many claims, or have had payment issues, you could have your policy cancelled or not renewed.

If you’ve been refused a car insurance renewal, contact a high risk insurance broker. Our brokers can help you get coverage, even if you’ve had difficulty getting coverage from insurance companies.

Is Switching Car Insurance Before Renewal A Good Idea?
Renew Car Insurance Policy
Many drivers incorrectly assume they cannot switch car insurance before their policy is up for renewal. This is not true. You can switch car insurance at any time. However, it may or may not be a good idea depending on your situation, how long you have left on your policy, and other factors.

Changing car insurance before renewal could result in a penalty or administrative fees for cancelling your policy. You will also be required to follow all policy cancellation procedures as outlined in your policy.

Depending on the cost savings from your new policy, it may or may not make more sense to wait until renewal. Switching insurance companies during the renewal process is simpler, you won’t face penalties, and it’s your best time to take advantage of cost savings.

Use A Car Insurance Renewal Calculator To Determine If Switching Mid Policy Is Worth It
A car insurance renewal calculator can help you determine if renewing with your current insurance provider is the best decision for you. It can also help you determine if switching mid policy is the right move to save money.

Car Insurance Renewal Quotes – Your Chance To Shop Around And Save
Each year you have the opportunity to renew your car insurance policy. It’s also your chance to get car insurance renewal quotes and explore your insurance options.

When you compare auto insurance renewal quotes, you give yourself the best chance to save. Rather than auto renewing, use a broker to get quotes from multiple insurance providers.

It’s your chance to shop around, compare coverage and quotes, and choose the cheapest rates for the coming year. Get a quote annually to put yourself in a position to save on auto insurance coverage each year.

Insurance Renewal FAQ
Have more questions about the auto insurance renewals. Here are some of the most commonly asked questions about the insurance renewal process :

What Is A Renewal Premium For Car Insurance?
Your renewal premium is the money you pay to your insurance company for insurance coverage to continue your current policy. You can pay the renewal premium in full or you can pay monthly.

What Is The Car Insurance Renewal Notice Period?
Insurance companies will send you a renewal notice in the mail or online when your policy is nearing expiration. Generally, you will receive this notice 30 days or more before your policy expires. During this period you will need to decide to renew your policy or switch coverage to a different insurer.

When Should I Renew My Car Insurance?
Things To Consider Before Renewing Your Car Insurance
Your car insurance policy renewal date is listed on your policy. It’s important to renew or switch your policy before your renewal date to avoid a gap in coverage.

Can I Renew My Car Insurance For 6 Months?
Car insurance renewals are typically for one year in length. Some insurance companies may offer insurance for 6 months. Contact our brokers for more information about short term or temporary insurance coverage.

Can I Complete The Renewal Of Car Insurance Before Due Date?
If you are satisfied with your current insurance policy, you can complete the renewal of car insurance before the due date. Simply notify your insurer once you receive your renewal notice.

Can I Change Car Insurance Before Renewal Date
Yes. You can change your car insurance provider at any time. However, doing so before the renewal date, mid policy, could result in a cancellation or administration fee.

Should I Cancel Car Insurance Before Renewal Date?
Cancelling your car insurance policy before the renewal date could make you subject to a cancellation fee. You could also create a gap in coverage if you have not secured a policy with another insurance provider.

Is There A Car Insurance Renewal Grace Period?
No. Once your auto insurance policy expires, you no longer have coverage and you are not legally allowed to drive the vehicle. Always take action, renew your policy, or get insurance quotes when you receive your renewal notice.

How Do I Get A Cheap Car Insurance Renewal?
To get a cheap car insurance renewal, it’s important to compare quotes. Make sure your information is up to date. Ask about insurance discounts. Work with a broker to get the cheapest rates.

How Early Can You Renew Car Insurance?
How early you can renew your car insurance policy depends on your insurer. Most companies will allow you to renew your policy 30 to 45 days prior to your policy expiring. Check your policy to confirm.

Can I Do Online Car Insurance Renewal?
Most car insurance renewals are completed automatically. If you are considering switching, you can get online insurance quotes to compare your auto policy options.