Compare car insurance quotes online
to get the lowest rates
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.
Best Car Insurance Rates
We compare the most competitive providers, to bring you the best car insurance rates in Canada. Enter your postal code into the widget below and click “Get Quote”, then we’ll ask you for some information about your car and give you a list of the lowest car insurance rates in your area.
What is Car Insurance?
In order to operate a vehicle in Canada, you need to have a valid car insurance policy in place at all times. Car insurance policy requirements vary from province to province, depending on the type of insurance system each is mandated by (public vs. private). However, you need to have a minimum amount of third-party liability insurance, to protect yourself financially in the event that you injure someone or damage their car/property. You’ll also need a minimum amount of accident benefits, which provides coverage for any medical/rehabilitation costs that resulted from an accident. You can also decide to buy more than the minimum amount required, as well as purchase additional coverage (such as comprehensive insurance) on top of your basic car insurance policy.
Why Compare Car Insurance Rates?
You might think that car insurance quotes for the same driver/car would be similar across all providers, but every car insurance company has its own costs to cover, based on data about all of their existing users/claims. Broken down, every car insurance company has a number of “risk groups” it divides people into, and they charge premiums based on the claims experience of each group. When an insurance company gathers information about you, their system places you into one of those groups – and a portion of your quote is based on the group you’re in. You can’t see what goes on behind the scenes, but the group you’re placed into and the premium that follows could vary greatly from company-to-company, which is why it’s wise to compare car insurance rates and see who can offer you the cheapest insurance.
How Car Insurance Rates are Calculated
Dozens of factors contribute to the total cost of your car insurance premium, all of which can be divided into four categories:
- Your driving profile
- Your coverage
- Your deductible
- Your car insurance provider
Based on the information you provide for your driving profile, the car insurance company will place you into one of its risk groups, which outlines the majority of the costs in the other points. You can read more about how car insurance rates are calculated on our site.
How to Save on Car Insurance
Car insurance rates vary from province-to-province, city-to-city and provider-to-provider. There are some costs you can’t control, such as the base rates determined by the public car insurance systems in British Columbia, Manitoba and Saskatchewan. However, there are a number of ways you can save money on your car insurance, including:
- Maintaining a safe driving record
- Increasing your deductible
- Making all payments on
- Asking for discounts
You can read about these tips and find more ways to save on car insurance on our site.
How to Buy Car Insurance
When you’re ready to buy a new car insurance policy, you can do so in person or over the phone, at a bank/credit union, insurance company or insurance brokerage. If you haven’t already done so, we always suggest you start by comparing car insurance rates online. We shop the most competitive providers to bring you a list of the best car insurance rates in Canada. Even if you don’t use one of the providers on our site, you should at least do this as part of your research, to make sure you know what’s available to you. Once you’ve picked and purchased the best car insurance coverage for you, the insurance company is responsible for providing you with a certificate of insurance to keep in your vehicle. The certificate lists details about the vehicle that’s insured, the coverage you have on it and the period of time which you are covered.
Auto insurance can easily be one of the most frustrating aspects of being able to get on the road and drive. It usually comes down to money, and though some provinces or cities may be worse than others, finding the most affordable rates is a little easier with these sites, albeit with mixed results.
Kanetix touts comparing insurance rates throughout Canada as its main feature, but it is also keen on positioning the site as a way to set up coverage online, too. The scope is pretty impressive, at first glance, and it has also separated rate requests for classic cars, commercial vehicles and motorcycles, which is nice.
The site does do a great job of simplifying the process from start to finish, and its user-friendly interface definitely helps the cause, but it should be noted that it doesn’t aggregate rates from every insurer. Up to 42 firms and financial institutions from all over Canada are partnered with Kanetix, but it probably could be a wider gamut than that.
I went through the motions to get quotes from the site and compare them to my own insurance company’s rate. The best rate Kanetix could muster was $700 more than what I pay over the course of a year. A friend found a rate $100 cheaper, so it’s clearly hit or miss.
Insurance Hotline basically weaves users through the same process the others do by asking all the questions a broker would ask. Everything is laid out nicely, and going through the process shouldn’t take more than 10 minutes.
While I generally liked what I saw from this site, I didn’t really understand why I was forced to put my phone number in to see the full list of quotes. There’s also a disclaimer on the right that says companies offering «special discounts» don’t show up in the quoting process because they can only be relayed over the phone. The problem is that you’re pushed to a representative at the final step anyway.
This should be unnecessary when you’re just anonymously inquiring to see what other rates are out there. More than 30 companies are part of the site’s pool, and the best rate it gave me was $120 cheaper than what I pay now. That’s nice, but it would be better if the site allowed for more window shopping.
Car Insurance Brokers of Canada
This site initially comes off as something like a government site, and it does offer some helpful information on the left, but it’s not quite as seamless as the other two.
The biggest disparity here with the others is that the site seemingly only supports a handful of firms. Not sure what that means when a blanket statement like, «We only represent major insurance companies,» is prominent in the section that explains what the organization is about. In the instance where you prefer a wider range, a link on the left can take you to another site: Auto-Insurance-Quotes.ca.
The best quote it could find was $600 more per year than my current rate. But again, a friend was able to find a cheaper one for himself that was $150 less. That being said, all three sites make it clear that the figures are estimates, so mistaking even one little detail can alter the final tally significantly.
Rates.ca Car Insurance
Our comparison service makes it possible for you to obtain quick car insurance rates in a matter of minutes. Avoid having to shop around with several insurance companies and instead use Rates.ca to access all the best car insurance rates all in one spot!
Using Rates.ca is as simple as 1-2-3! To get accurate car insurance rates and start saving on your policy you will need to:
- Provide your vehicle information
- Provide your driving history
- Connect with the insurance provider whose car insurance rates you’re interested in
Car insurance is there to provide you with financial protection against traffic accidents and the resulting liability arising from damage to the vehicle, property, as well as injury/death. Car insurance can also provide coverage for theft or damage to your vehicle not necessarily caused by a traffic accident (i.e. fire). There are many types of coverages so having a general understanding of the various options at your disposal can be very beneficial. A licenced insurance broker/agent can also provide the needed guidance and help you choose the appropriate insurance coverage for you.
All the details pertaining to your automobile insurance can be found in the certificate of insurance policy. This document provides all the pertinent information such as the term of your policy and all the included coverages and respective limits.
Whether you’re looking to buy a car, lease one or already have a vehicle, auto insurance is something that you should keep in mind. So do you have to insure your vehicle? It’s a definitive yes! In order to drive a vehicle in Canada the law requires you to have valid auto insurance coverage. The risk of operating a vehicle without auto insurance is quite severe. If caught the party could face hefty fines, driver licence suspension, difficulty obtaining auto insurance in the future and vehicle impounding.
Auto insurance can be purchased from a variety of sources outlined:
- Insurance Brokers — licenced individuals who sell several insurance companies’ products.
- Insurance Agents — licenced individual who generally sell only one company’s insurance products.
- Insurance Companies — certain insurance companies are able to sell directly to the consumer.
There are many factors that are taken into account by insurance companies when providing you with an insurance price quote.
The type of vehicle you drive impacts the premiums you pay. Think of it this way. If you bought a sports car, are you more likely to speed? If so, does this increase the probability of you being involved in an accident? How much you drive will also affect your premiums which is why you are always asked to provide your approximate vehicle usage when filling out a form to obtain a car insurance rate. The more you drive the higher the chance that you could be involved in a motor vehicle accident.
Individuals with a clean driving record would generally pay lower premiums relative to individuals with tickets and/or accidents on their record. Other factors such as the length of your driving history also matter.
Where you live matters when calculating insurance premiums. Areas with higher occurrences of theft and collisions would result in higher premiums. Your age also has an effect on your coverage to the extent that if you are 25 years old or older you will generally pay much less to insure your vehicle. This is based on the notion that young new drivers are not as experienced and are therefore more likely to be involved in a traffic collision.
The larger the scope of the coverage and the higher the coverage limits you choose, the higher the premiums you will pay. The deductible, the portion that you must pay out of pocket as a result of a claim, is also important in the calculation of your insurance cost. The higher the deductible you choose the lower your automobile insurance premiums will be.
Some insurance companies will provide you with discounts if you meet certain criteria. Discounts can range from winter tire discounts to multi-vehicle discounts. Every insurance company treats discounts differently, so make sure to inquire in order to take advantage of reduced premiums.
It is also important to note that you are likely to pay different premiums for the exact same policy offered by different insurance companies. This is because premiums vary across companies. Insurance companies have unique factors and risk profiles affecting how they determine the cost of the coverages they provide. This is why using Rates.ca to shop around for car insurance online is so important! Our site allows you to compare car insurance quotes and choose not only cheap insurance but also one that is best suited for your needs. Get insurance quotes today for your vehicle by clicking here.
Compare Ontario auto insurance rates today and start saving!
How to compare car insurance quotes
Before you buy auto insurance, here are some things you can do to save more.
When comparing prices, make sure you know exactly what’s included in your policy. Carefully check the coverage, deductibles and liability limits. While it’s always nice to save money, a lower-priced policy might cost you more in the long run if you discover later that it doesn’t have enough coverage for you and your family. Look for the insurance coverage that best matches your needs, not necessarily the one that costs less.
Check car insurance rankings
Before you buy or lease your next car, look at car insurance ranking lists to find popular vehicles with the best insurance value. Cars with lower-than-average insurance rankings are generally less expensive to insure.
Get a multi-product discount
Some car insurance companies offer a discount when you buy two or more products from them, such as home and car insurance, including The Co-operators.
Raise your deductible
The deductible is the amount you choose to pay for damages to your vehicle before your insurance kicks in. For example, if your deductible is $500 and you have $2,000 worth of damage, you’ll pay the first $500 of the car repair cost and your insurance company pays the rest.
Raising your deductible just a few hundred dollars could save you a lot of money. It typically costs less to pay a little more for a minor repair than to pay a higher premium over time.
Get less coverage on your older car
If you have an older car, you may not need Collision and Comprehensive coverage. Compare the cost of the insurance with what the car is worth. Auto dealers and banks can tell you the worth of a car, or look it up online on auto TRADER.
Take advantage of group insurance
Include group insurance plans as you compare car insurance quotes to find more discounts. Some employers, professional, business or alumni groups and other associations offer group plans for discounts on insurance rates.
Be a safe driver
Most car insurance companies offer better rates to clients who haven’t had any accidents or traffic violations for a number of years.
Drive a hybrid car
Do you drive a hybrid car? You’re eligible for an automatic five percent discount on your Co-operators car insurance premiums.
Other ways to save
Depending on where you live in Canada, you could get discounts if you:
- Install an anti-theft device in your car
- Insure more than one vehicle with the same company
- Have more vehicles and fewer drivers
- Renew your insurance with the same company
- Switch to four winter tires each year
Let’s talk about more ways to save on car insurance. Connect with your local Co-operators Financial Advisor today or get a quick online car quote now.
Compare Auto Insurance on Your Own – Or Leave it to the Experts
Although you want the best auto insurance rates possible, getting quotes can be a time consuming process. Save yourself time and trouble by letting us do the work for you. As a professional insurance brokerage, at HDF Insurance, it’s our job to compare car insurance rates and provide the most comprehensive, affordable car, truck, van or motorcycle insurance rates for our clients.
Compare Car Insurance Rates
Enlist our car insurance specialists to provide advice on the type of insurance you should carry, compare auto insurance rates for different models, and even give you tips on how to equip your vehicle to attain the best prices on auto insurance.
Compare Vehicle Insurance Rates, then Choose HDF
Whether you prefer to call us, email us, get a quote online, or visit us in person, we’ll compare car insurance prices for you and provide a quote that is both reasonably priced and complete. At HDF, our auto insurance specialists work for you!
If you’ve done your research to compare car insurance online and now you’re ready to speak to the experts, contact HDF Insurance now!
Compare Cheap Ontario Car Insurance Quotes — Get An Auto Quote And Save
We’ll Help You Get The Cheapest Insurance Rates In Ontario
Get 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!
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?
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?
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.
Determining whether an insurance provider is right for you should not be based on cost alone; other factors to consider are whether they offer coverage that meets your specific insurance needs, level of customer service, payment plan options and convenient location and hours of operation. The AIRB has provided some links to assist you in finding the right provider.
Please note that the AIRB is unable to provide premium quotes or recommendations for which insurer provider you should contact.
Online Comparative Quoting Sites
These independent websites can help you to determine what coverage insurance providers offer and the associated premium.
Insurance brokers are experienced professionals who represent more than one insurance provider; therefore, they are able to assist in determining how best to meet your needs. Brokers are available to offer explanations and advice regarding insurance. Links to various insurance brokers are available at the following website:
Individual insurance providers’ websites are an excellent resource for automobile insurance related information; some even have online quoting systems available. Links to various Insurance Providers are available on our website.
Comparative Rating Profiles
This interactive comparative rating tool allows consumers to compare premiums for a set of profiles that represent typical insurance customers with the most common coverage.
Like death and taxes, car insurance is unavoidable if you want to keep your vehicle on the road and the right side of the law.
Fortunately, calling round dozens of insurers for a quote has been consigned to history — with GoCompare you only need to fill out a single form with your personal information, details of your car and any extra drivers you want to put on your policy.
- Find the cheapest car insurance groups
- Rummage around in the Car insurance garage
How to get a car insurance quote
If you know your number plate it’ll save you time, but if not just choose your make and model and you’re on your way to quotes galore.
Next, you’ll need to let us know:
- Your car’s value
- How much no-claims bonus you’ve amassed
- Your annual mileage
- Usage — social, commuting or business
- Your occupation
Quotes that cater to you
Once you’ve got some quotes to look at, you can narrow things down a bit if you know exactly what you want:
- Choose your voluntary excess
- Opt to protect your no-claims bonus
- Decide whether to pay monthly or annually
Change any of these and you’ll get a fresh set of prices to fit your new answers.
Whether you need comprehensive insurance, third party fire and theft or third party only for just the one car or many, it’s easy to get the cover you need.
You don’t need to take our word for it either — when you get your quotes they come along with helpful information and star ratings from financial researcher Defaqto, so you’ll see exactly what you’re buying.
Need to know more about car insurance?
We’re committed to keeping you well-informed and on the road, so if you’re puzzled by any aspect of your policy, roll up the door to our Car insurance garage for guides, tips and help on all things motoring and car insurance.
Telematics (black box) policies, women’s car insurance, older motorists, modified cars, young drivers, classic cars, and learner drivers – it’s all here.
There’s also plenty to read and delight on wider motoring issues.
Vehicle security, flood cover, optional extras on your insurance, fronting, crash-for-cash, how quotes are calculated, claim rejections, how driving convictions impact on premiums and money-saving tips — peruse at your leisure.
Shopping for car insurance can be one of life’s more frustrating experiences. Let us help you find the best policy and price by avoiding common online mistakes.
Different car insurance companies often produce very different quotes for the same person, even if the policies being compared are identical. This makes comparison shopping a crucial part of buying auto insurance; wise shoppers will compare at least four or five different insurance providers to make sure they are getting a good deal.
Auto insurance comparison websites, which let you instantly compare quotes from multiple insurance providers, can be a huge help in your quest for affordable car insurance. They provide accurate, personalized rates, discounts, and coverage options all on one site—much like your favorite travel comparison site that gives you airline ticket or hotel room options all on a single page.
In order to provide an accurate list of options, comparison sites ask you for basic information such as your zip code, occupation, vehicle make and model, and driving history. These details allow the site to provide an accurate list of different insurance policies, options and rates.
However, not all sites that claim to provide insurance quotes are the real thing
How Auto Quote Comparison Sites Work
There are two types of insurance comparison websites: quote comparison sites and lead generation sites. Auto quote comparison websites present users with rates based on information submitted during the shopping experience. You can then decide which quote to pursue, and the data you entered is transferred to the agent or company website, greatly shortening the purchasing process. These sites do not sell your information to insurance carriers or agencies.
Unlike quote comparison sites, lead generation sites simply sell your information to their advertising partners—typically insurance companies. These sites are not built to provide you with personalized quotes and are not much help when trying to compare car insurance rates. Avoid these sites unless you’re eager to receive tons of cold calls from insurance phone banks and desperate agents.
Insurance comparison websites can be further broken down into sites that provide real-time insurance quotes versus those that provide estimated ones. Estimated quotes are derived from historic data and are often out of date; to get the most accurate information you should use a site that provides real-time quotes generated by the insurance companies.
Car Insurance Comparison Sites with Real Quotes
The following comparison sites offer real-time, accurate insurance quotes.
Insurify is a free insurance comparison website that provides real-time, accurate quotes from top insurance companies in the U.S. It is rated 4.8 out of 5 on ShopperApproved, where it has 735 user reviews.
The site offers a wide variety of carriers to choose from, an easy-to-use interface, and can effectively service drivers in all segments of the market. To-date it has delivered over 4 million insurance quotes from top providers such as The General, MetLife, and Liberty Mutual.
Insurify has been featured on Forbes, the Wall Street Journal, and CNET and is considered one of the top auto insurance comparison sites.
How it works: Insurify asks shoppers to answer a series of questions that it uses to produce real-time, accurate quotes. In addition to its mobile and desktop sites, the site also offers the ability to receive quotes and buy insurance via Facebook Messenger.
The questions were easy to answer and the process was straightforward—I was able to submit my information and get personalized quotes in under five minutes.
Results: Insurify produced nine quotes, starting at $78/month, each with the option to contact the insurance company immediately or schedule a phone call for a later time. Some of the quotes included helpful information about the policy or the insurance company offering it. The site allowed me to change the coverage from the left hand sidebar, and it was easy to click on the different coverages and see the prices change in real time.
Clicking on the button to the right of each quote brought up a pop-up window with more details about the policy, payment information, and options to buy a policy via phone or Internet.
The site also included ads for certain insurance companies, and clicking the “check rate” button for the ad connected me directly to the insurance provider’s website. It’s easy to tell the ads from the quotes; the ads all say “ad” next to the company name and the button says “check rates” rather than “view deal.”
Insurify’s quote comparison tool was a great help in shopping for car insurance. I particularly liked how easy it was to compare rates based on a custom coverage level; with a few clicks, I could alter the parameters (say, by changing the liability coverage maximum or adding roadside assistance) and get a whole new basket of quotes instantly. Every year, Insurify also publishes a Best Car Insurance Companieslist.
Compare.com is another online car insurance comparison tool that generates real-time quotes from multiple insurance providers. In addition to car insurance, Compare provides quotes for home, health, and small business insurance, as well as tools to help you choose car loans and mobile phone plans. The site is rated 4.5 out of 5 on eKomi, based 640 user reviews.
How it works: Compare’s shopping process asked me to enter the same general information that other auto comparison websites did. Entering the information was fairly straightforward. Most of the fields were drop-down menus or pre-filled based on information I had submitted on previous pages. The questions were detailed, including some about my current policy limits that required retrieving my insurance documents to answer. I did like that Compare asked if I was willing to accept paperless documents and/or e-signing
Results: Compare produced seven quotes ranging from $148 per month to $329 per month. The quotes were all from fairly obscure companies; I didn’t see any of the big-name providers. The site allowed me to customize coverage, but only by going back to the coverage selection part of the process—meaning that I had to wait for the quotes to re-load each time. It also didn’t allow as many customization options as Insurify. Only one of the quotes permitted online checkout; all the others required speaking on the phone with an agent. I did like that the quotes all let you choose between a pay-as-you-go policy (with a down payment) or a pay upfront policy (at a slight discount).
Car Insurance Comparison Sites with Estimated Quotes
Unlike Insurify and Compare, some comparison sites only provide estimated quotes, based on aggregate information from your local division of insurance. Rates from these websites are based on what other drivers in your zip code with similar histories are paying for insurance, rather than real-time quotes from insurance companies.
The following sites fall into the estimated quotes category.
Nerdwallet.com is a well-known personal finance website that offers free comparison tools for car, health, and life insurance quotes. The site also has reviews of different insurance providers and numerous tips for picking the best policy. It is rated 4.5 out of 5, with 1,601 user reviews on ShopperApproved.
How it works: To get quotes, you’re required to sign up for a free Nerdwallet account. This includes signing a disclaimer giving Nerdwallet permission to pull reports from the credit reporting agencies and share your credit score and other information with its partner companies.
During the quoting process, Nerdwallet asked questions about my vehicle, driving, and insurance history. One question that stood out was the one asking how much I currently paid for auto insurance; I couldn’t see how that helped Nerdwallet come up with rates (although it no doubt helped the company with its future marketing efforts).
Results: Nerdwallet returned three quotes ranging from $154 per month to $315 per month and six “estimated rates” ranging from $153 per month to $330 per month, from mostly name-brand insurance carriers. Each quote/rate included a little information about the company, a company rating, and a summary of Nerdwallet’s review (accessed by clicking on the “view details” link). The quotes had a button to click in order to buy the policy over the phone, but only one quote offering the option to purchase online. The estimated rates included a button to click to access the company’s website and get an actual quote from them.
Nowhere in the process did Nerdwallet allow me to customize coverage options—I could only choose one of four pre-assembled packages. The selection process also made no mention of discounts—either how to qualify for them or which companies offered them.
The Zebra is another free auto insurance comparison website. The site’s name refers to its founders’ goal of presenting “insurance in black and white.” The Zebra has a few articles about choosing car insurance, a car insurance calculator, and some basic information about other types of insurance in addition to its quoting tool. It is rated 4.7 out of 5, and has 565 user reviews on ShopperApproved.
How it works: The quoting process was similar to that of other comparison websites, although it offered me the option of connecting my Google or Facebook account to speed up the process. After I entered the requested information, the Zebra announced that it had matched me up with nine possible discounts, although it warned that not every insurance company offered all of these discounts.
Results: The final page offered five quotes ranging from $141 per month to $215 per month, and three links to other websites that I could use to get additional quotes. Unlike the other comparison websites, the quotes weren’t in any order (the others sorted their results from smallest to largest). Each quote included a company rating, policy features and a button that would either take you to the company’s website or allow you to compare it with another company. A list of options on the left side of the page allowed me to check off the features that I wanted to include, and eliminated companies not offering those features.
The Zebra didn’t allow me to customize coverage preferences, forcing me to choose one of four pre-assembled packages. It also didn’t list which companies allowed which discounts, making their earlier list of pre-qualified discounts less useful. On the right side of the page, the site provided an “Insurability Score” listing the factors that insurance companies use to set rates and grading the information I’d provided during the quoting process, which could help drivers looking to improve their rates in the future.
Lead Generation Sites
Unlike quote comparison sites, lead generation sites are paid when they send customers’ personal information to external agencies.
These sites often attract your interest with competitive rates, but then transfer you to a different site to continue shopping and complete your transaction, often at a far less attractive rate. This is because lead generations sites are paid to sell your information to an agency or insurance company, not to present you with the rates on car insurance.
You can sometimes get auto insurance quotes on lead generation sites, but expect them to be far less reliable than quotes from comparison sites. Using lead generation sites most likely means that you’ll end up wandering from one auto insurance website to another in pursuit of the best rate, which rather defeats the purpose of using a quote-generating site at all.
DMV.org is a privately-owned site that helps drivers interact with their local Department of Motor Vehicles. This site is not an official government agency, but acts as a middleman between you and your local DMV; for example, a visitor may renew their vehicle registration or driver’s license on the site for an additional fee. The website is rated 4 out of 5, and has 5,830 user reviews on Trustpilot.
How it works: Each state page on the site offers information on required coverage, optional coverage, proof of insurance, vehicle registration, insurance plans, rates, and discounts. They also have an insurance quoting engine that works similarly to those on other lead generation sites.
Results: After working my way through the DMV.org quoting process, I discovered that they don’t actually provide car insurance quotes. Instead, they just provide you with links to other websites where you can get a quote. In my case, it gave me exactly two links: to Esurance and Allstate. Clicking a link to go to one of these websites required me to start all over with the quoting process, leaving me wondering why I’d bothered with DMV.org in the first place.
InsuranceQuotes is a free, online comparison tool that offers quoting processes for auto, life, health, homeowners, and other types of insurance. The site also has articles on insurance-related subjects and provides information on auto insurance by state, including average rates. It is is rated 1 out of 10, and has 9 user reviews on Resellerratings.
How it works: The quoting process asked me for the usual information, however. clicking the “get quotes” button required me to consent to a somewhat unnerving declaration that I would be called by up to eight insurance or partner companies, potentially including robocalls.
Results: I was led to a “quotes page” informing me that I had been matched with three insurance agents who would be contacting me shortly. The page listed the three companies (Nationwide, Allstate and Apliant) but provided no information about them, not even contact information.
NetQuote is a free, online insurance comparison tool that provides leads to insurance agents.
In addition to auto insurance, Netquote also offers quotes for health, home, renters, business, and life insurance. The site is rated 1 out of 5, and has 38 user reviews on ConsumerAffairs.
How it works: Once I entered my zip code the site launched its quoting process, which was completely identical to InsuranceQuote’s – leading me to suspect that the two sites belong to the same company.
NetQuote even asked me to agree to the same fine print agreement as InsuranceQuotes, which allowed eight or more insurance companies to contact me with offers and information.
Results: I was delivered to a results page that also looked identical to InsuranceQuote’s, although the agents who would be calling this time were from Nationwide, Allstate and Esurance.
QuoteWizard is another insurance lead generation site that sells leads to insurance agents and carriers. In addition to auto insurance, they also offer quotes for home, renters, health, and life insurance. The site also has a blog with articles about various insurance-related topics. QuoteWizard is rated 3.68 out of 5, and has 36 user reviews on BBB.org.
How it works: The auto insurance quote process opened by advertising “Cheapest rates from only $19/mo!” After answering the usual questions, I clicked the “Get My Quotes” button, thereby consenting to telemarketing calls, emails and other sales contacts, both human and robot.
Results: QuoteWizard dropped me on a page with a link to Geico’s website, announcing that it was my best match for an online quote. The link led to the start of Geico’s own quote generation tool. Needless to say, using QuoteWizard is a waste of time.
SmartFinancial’s home page boasts that it can get you rates from top-rated carriers in less than 3 minutes. The quote processing tool provides quotes for auto, home, health, and life insurance, among others. The site is rated 5 out of 5, with 1 user review on BBB.org
How it works: The quoting process did indeed move very quickly with the help of drop-down menus. After asking the usual questions, the tool asked for my email address while claiming, “no spam, ever.”
But before I clicked to view my quotes I noticed the fine print asking me to agree to allow, “marketing partners to contact you for marketing/telemarketing purposes at the number and address provided above…” So much for no spam.
Results: After a short wait, the quoting tool produced two quotes, for $299 per month and $971 per month, plus links to two other insurance sites. SmartFinancial allows you to narrow down the results further by selecting desired features such as local agents and low down payment, but given how limited the results were in the first place, that particular option isn’t much help.
Like Nerdwallet, ValuePenguin is a personal finance site dedicated to helping consumers make informed decisions about their credit cards, banking, investments, and insurance. The site offers quoting tools, in-depth financial product reviews, and analyses of industry trends.
How it works: ValuePenguin’s quoting tool is essentially nonexistent. The only thing it asked me for was my zip code.
Results: Once I typed in the requested zip code I was immediately taken to a page with links to four actual insurance quote comparison websites. Rather than create a quoting tool of its own, ValuePenguin has apparently chosen to guide visitors to other comparison websites. All in all, you’d be better off just skipping ValuePenguin and going straight to a site that will produce quotes for you.
Everquote actually has two websites. One is a typical lead generation insurance site with quoting tools for auto, home and life insurance. The other, Everquote Pro, is for insurance agents—it provides a way for agents to sign up to receive information about visitors to the site who use the quoting tools. Everquote is rated 1.5 out of 5, and has 80 user reviews on BBB.org.
How it works: Once I launched the quoting tool for auto insurance, I was greeted by a large-print brag that “Drivers Pay As Low As $29.32/Month for Car Insurance.” When I began filling in my vehicle information, the site offered to save me time by looking up the information for me—a frightening reminder of how much of our personal information is available online. The contact information fields were accompanied by text stating that “we respect your privacy” and “NO SPAM, privacy guaranteed.”
Everquote also provided checkboxes to opt out of receiving calls and emails from agents. However, under the “Show My Quotes” button, the usual legal boilerplate informed me that by clicking the above button I was providing express written consent to be contacted by Everquote and a whole laundry list of insurance companies and partners, whether or not my phone number was on the Do Not Call list.
Results: Once I submitted my information, the site produced one quote, along with six links to other insurance companies. “View my quote” buttons next to each quote took me to the beginning of the insurance website’s own quoting tool, making it clear that these were strictly hypothetical rates. Everquote provided a blurb of marketing text about two of the companies and no helpful information whatsoever to guide my decision.
Insurance experts suggest that you compare car insurance policies every time your current policy is up for renewal (typically every six months to a year). Before you launch your quote hunt, review your existing policy and see if your needs have changed. For example, many auto lenders will require you to have no more than a $500 deductible in comprehensive/collision coverage—but once you pay off your car loan, you can increase this deductible and save a considerable amount on your insurance premiums.
When you’ve worked out just what coverage you need, an auto insurance comparison site can be helpful in finding the best price for your desired policy. However, you’d be advised to stick to reputable comparison sites that give you real quotes rather than lead generation sites that will throw you on the mercy of cold-calling insurance agents.
You may find that a few minutes spent on a site like Insurify will save you hundreds of dollars a year in insurance cost. Good luck!
What is car insurance?
Car insurance protects you against financial loss for damages resulting from car accidents, theft, weather events and other unforeseen costs according to your policy type. A car insurance policy helps pay for the cost of damage to cars, property, and even people.
What does car insurance cover?
It can cover you if you cause personal injury in an accident or if you damage property or another vehicle. If you opt for a higher level of coverage, you may also be covered for the repair or replacement costs of your vehicle as a result of collisions, fire, theft, and weather events. Most policies will vary in coverage (and price), which is why it’s important to review your options carefully.
Valid Auto Insurance is the law — Don’t leave home without it!
As per law in order to drive in Ontario it is mandatory for all Ontario drivers to be covered under the minimum mandatory insurance coverage. Failure to carry valid auto insurance while operating a vehicle in Ontario can lead to numerous fines and place you in a sorely disadvantaged position when being considered for future auto insurance quotes and policies.
If you are found driving without a valid Ontario auto insurance policy you could be:
- Fined anywhere from $5,000 to $50,000
- Your driving license could be suspended and your vehicle impounded
- After being convicted of driving without valid auto insurance you could now be identified as a «high-risk» driver which would put you at a disadvantage and prevent you from being able to enjoy future savings on insurance rates from any Ontario insurance providers
If you are involved in an accident without a valid Ontario auto insurance policy you could be:
- Denied entitlement to receive any form of accidents benefits insurance for loss of income, hospital expenses etc
- Denied the option to sue an at-fault driver for compensation for any injuries sustained during the accident
- In the case of an at-fault accident, held personally responsible for the medical costs/losses incurred by the individual harmed
Mandatory Insurance Coverage in Ontario
The Ontario government requires drivers to have car insurance. Fortunately insurance companies in Ontario give more than just auto insurance coverage; they offer flexible car insurance options to provide you with specific protection rates matching your income. Different car insurance companies offer different auto insurance rates, some rates being more economical than others. Before seeking these Ontario auto insurance companies out, you must know the basic car insurance laws in Ontario.
As per Ontario law at a minimum your auto insurance policy must include Third party Liability and Accidents Benefits coverage.
Third Party Liability Coverage in Ontario
Provides coverage in a situation where you are liable to pay for collision resulted damages to another person (injury/death) or damages to their property
The minimum requirement is $200,000.
Accidents Benefits Coverage in Ontario
Provides benefits that you, certain family and passengers are entitled to receive if injured or killed in a collision. These benefits include income replacement; payment for medical treatment and rehabilitation costs; payment for funeral expenses and payment for grief counseling for family members.
Auto Insurance Coverage Provider in Ontario
Private insurers/Non-government insurance providers
Use auto insurance quote tool above to find cheap car insurance quotes in Ontario.