Looking for the best rates on car insurance? You’ve come to the right place. At LowestRates.ca, we’ll help you compare the most competitive offers from Canada’s leading auto insurance companies. You’ll get the policy that suits you best while saving time and money.
Just fill out our insurance form and click ‘Compare’ to find your quotes. Auto insurance rates for the same driver with the same car can vary wildly between insurance companies, which is why comparing rates is the only way to get the best deal.
It’s time to get your cheap on. See the cheapest insurance rates available for a driver with your profile, record, location, and vehicle.
Not quite the blink of an eye, but close. We ask only six questions to get the ball rolling, and then you’ll get your car insurance quotes in under 3 minutes.
Our quoting service is absolutely, 100% free for our users, so comparing quotes won’t cost you a dime.
No rocket science here. Just fill in a few quick details about you and your vehicle and leave the rest to us.
At LowestRates.ca, top insurers compete for your business on an even playing field. They provide their best rates, and we compare them for you.
We cast a wide net. Our quoter brings you 20+ personalized car insurance quotes from all the top insurers in the area where you live.
We only ask for the details we need to find you the best quotes in your area. Your information will never be given to a third party.
What’s better than getting the best rates on car insurance in under 3 minutes, for free? Getting to save your time and money too.
How do I find the cheapest auto insurance rates?
Online quote comparison sites like LowestRates.ca make it simple – just fill out our auto insurance form with your driver details (postal code, driving experience, vehicle make and model, etc.), and then we’ll find and rank the cheapest auto insurance rates available to you.
Once you’ve selected your quote, you’ll be able to speak directly with an insurance broker who’ll help you lock in your rate with the insurance company and get set up with your new policy. Shopping for car insurance has never been quicker or easier.
What can I do to get cheap car insurance?
It’s easy — if you know how. Here are some of the best ways to lower your auto insurance premiums:
We’ll show you the most competitive rates from all the top insurers. Now you can compare quotes all in one place.
Buy the right coverage
Avoiding extra frills in your policy and paying for only the coverage you need will lower your premiums.
It’s true — your driving record impacts your rate. Fewer infractions and fines equals cheaper insurance.
Pay on time
Prompt payments can save you money on late fees and lower your premiums. Insurers love a good customer.
Adding a house, motorcycle, RV, or other type of insurance policy to your car insurance plan can lower your rates.
Be safe, not sorry
Safety features like winter tires and alarm systems can help reduce your insurance premium.
Stick with one insurer
Most auto insurance companies give special discounts to customers who stay with them for a number of years.
Take a course
A defensive driving course makes you a better driver and can significantly reduce your car insurance premiums.
The math is clear: more experience on the road equals lower car insurance premiums.
Look at location
Where you drive affects your premiums. Some areas are associated with higher car accident and theft rates.
Choose the right car
Cars with high crash-test scores, low theft ratings, and less powerful engines tend to have cheaper insurance rates.
Track your driving
With a usage-based car insurance policy, you can turn your low-risk driving habits into lower premiums.
Types of auto insurance coverage
Getting the best auto insurance policy isn’t just about the lowest price. It’s also about finding the right coverage, so you’ll be financially protected if you get into an accident.
Here are the categories of coverage available in Canada:
This insurance is required by law throughout Canada. It covers the costs associated with damages caused to another person or vehicle in an accident, including medical bills, rehabilitation, lost earnings, legal fees, and other expenses up to the limit of your policy. As a practical matter, you’ll want enough insurance to cover a judgment against you in a major accident so that your personal assets won’t be put at risk.
Emergency road service
ERS insurance provides you with roadside assistance in the event of a breakdown or mishap while you’re out driving. It also covers the cost of getting your car back on the road. Those costs may include light mechanical labour, an oil or gas delivery, new batteries, a boost, tire changes, locksmith services, or even a tow. With help on the way, ERS takes the stress out of a breakdown.
This type of auto insurance covers damages resulting from incidents that aren’t related to car accidents or collisions. Comprehensive coverage often includes hazards like extreme weather, vandalism, falling objects, fire, theft, and flooding.
Collision insurance covers damage to your car in the event of a vehicle rollover or a collision with another vehicle or object. If your car is totalled, collision insurance will pay the cost of replacing it.
Uninsured motorist coverage
Covers costs related to your injury or death after an accident caused by another driver who’s either uninsured or unidentified, as in the case of a hit-and-run driver. Keep in mind that this coverage only pays for damage to your vehicle if the uninsured driver is also identified.
Direct compensation property damage
Available only in New Brunswick, Nova Scotia, Ontario, and Quebec, DCPD covers your car for losses and damages after an accident that you weren’t entirely responsible for. But the other driver has to be identified, insured, and found to be at least partially at fault.
Provides protection for you against all types of perils except those specifically excluded from your policy.
Accidents benefits coverage
Provides you with medical care and income replacement benefits if you’re injured in a car accident.
Deal with your own insurer regardless of who’s at fault in an accident. With no-fault insurance, you don’t have to pursue the other driver’s insurance provider to get compensation. Your insurer will pay for your benefits, so your medical bills get covered and you can get back on the road.
This type of auto insurance only covers the perils named in your policy, and it generally includes commonly occurring hazards such as fire, theft, hail, and windstorms. Specified perils is often purchased as a cheaper alternative to comprehensive insurance.
Is auto insurance different from province to province?
Yes, auto insurance systems, coverage, and rates vary greatly depending on where your vehicle is registered.
Some provinces, like Saskatchewan, Manitoba, and British Columbia, have government administered auto insurance programs. Quebec uses a hybrid system – the government provides personal injury coverage while property damage coverage is set by private insurers.
Alberta, Ontario, Nova Scotia, New Brunswick, Newfoundland, Prince Edward Island, and all the territories have private insurance markets where private insurers offer coverage.
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.
- 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.
- 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.
- 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.
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 :
- 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.
- 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.
- 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.
- 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.
- 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 :
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 :
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.
Car Insurance News And Blog
ThinkInsure takes pride in helping people save on their car insurance and keeping our roadways safer for everyone. We update our site regularly with information and tips on insurance savings, driving safety, news and much more.