car insurance ontario Auto & Car Insurance Toronto

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Ensure you and your vehicle are comprehensively protected while on the road with a car insurance portfolio that works for your unique needs and lifestyle as a driver. With the help of Insurance Hero, Toronto drivers can create a customized insurance plan they can trust has their best interests in mind. 

To receive a free estimate for car insurance in Toronto, contact the friendly insurance specialists at Insurance Hero today for more information! We look forward to connecting with you!


Mandatory Car Insurance Coverage

In the province of Ontario, it is required under the law that all drivers obtain a minimum insurance policy to legally operate a vehicle on public roadways. Here is a closer look at these fundamental insurance policies:

Third-party liability

Third-party liability provides coverage in the event you cause property damage, injuries, or death of another driver when operating your motor vehicle. With a minimum of $200,000 in liability coverage, the majority of drivers will opt for at least $1 million.  

Accident benefits  

Accident benefits provide coverage in the event you or another driver suffers from an injury or death, regardless of who is found responsible for the collision. This includes medical and rehabilitative expenses, a loss of income, the cost of legal representation in the event a civil lawsuit is filed against you, and more. 

Uninsured automobile insurance

Uninsured automobile insurance provides you with protection in the event you are involved in a collision with another driver who is not insured or underinsured. This includes helping cover the cost of medical and rehabilitative expenses, lost wages, and the repair or replacement of your vehicle.  

Direct Compensation Property Damage (DCPD) 

Direct compensation property damage (DCPD) provides drivers with compensation in the event you or your vehicle is damaged in a collision you are found not at fault for. It refers to the method by which your insurance claim is paid out. Rather than dealing with the insurance company of the individual who caused the accident, Toronto drivers are able to deal directly with their own insurer. This includes coverage for medical expenses, loss of wages, and the repair or replacement of your vehicle. 

Standard coverage for accident benefits

In the event that you are involved in a collision with another driver, your accident benefits will ensure that you are protected from paying out-of-pocket expenses related to your recovery. This includes covering the cost of medical expenses, compensation for rehabilitative appointments, and any fees associated with repairing or replacing your vehicle if it suffers damage or a total loss as a result of the accident.

Factors that determine your Toronto car insurance quotes

Although car insurance is mandatory in the province of Ontario, it doesn’t mean that all drivers are offered the same insurance coverage and premium rates. In fact, all drivers are quoted differently depending on various factors that insurance firms use to guide their decision-making process on what insurance premium they are offered. Here is a closer look at some of the factors that are taken into consideration when an insurance company calculates an insurance quote for you:  

Vehicle Type

Not all vehicle owners may know this. However, the make and model of your car is one of the most critical factors that influence your insurance premium. This is due primarily to crash statistics, which vary depending on each make and model of vehicle. As such, drivers are likely to pay more if their car has more expensive replacement parts and higher repair costs. At the same time, if your vehicle comes equipped with certain safety features that prevent extensive damage during collisions and protect you from theft, you may receive a less costly insurance premium. These features include anti-theft systems, anti-lock brakes, and electronic stability control. 

Driver’s Age

Statistics indicate that younger drivers are more likely to be involved in a collision than older, more experienced drivers. Therefore, if it is your first time purchasing car insurance, you can expect to pay more than someone who is in their mid-30s who has years of previous driving experience and clean driving history. In addition, males are more likely to pay a bit more on their car insurance than females, as statistics indicate that younger males are more likely to be involved in an accident than younger females. As such, unlike other factors that drivers have more influence over, your experience as a driver is something you will have to build over time in order to save money later on in your life.  

Driving Behavior

Driving behaviour is another essential factor used by insurance firms to calculate your final insurance premium cost as a driver. Your driving behaviour is measured based on numerous factors, including what you intend to use the vehicle for, how often and how far you plan to drive each day, and whether you have any traffic violations on record such as speeding, aggressive driving, previous accidents you were found at-fault for, and more. Therefore, if you are a responsible driver with a clean driving record that is free of any violations and accidents, you are more likely to have an insurance policy that is less expensive than those with a driving history that reflects irresponsible driving behaviour.

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How car insurance rates are calculated

There are numerous factors that insurance firms consider when calculating your insurance premium. These factors include your age, gender, what type of driver’s license you have, your driving history, whether you have winter tires, the amount of insurance coverage you want to purchase, the deductible you wish to pay, and your marital status is, and more. 

Another significant factor influencing your insurance premium cost is where you live. Generally speaking, insurance policies are more expensive for drivers living in urban areas than those living in rural areas. This is because there are more likely to be high-risk drivers in more populated, urban areas than there are located in more remote communities. Therefore, while drivers in Toronto have less control over this factor than others, the professional and experienced insurance team at Insurance Hero can help you save on your insurance plan as much as possible by looking at other factors that have more flexibility to them. 

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How to get the lowest car insurance rate

Although vehicle insurance is mandated in the province of Ontario, it doesn’t mean that drivers aren’t able to save money where they can on their insurance premiums. As a matter of fact, there are numerous ways divers can save money on their car insurance in Toronto. Here is a closer look at how you can lower your insurance premium and save money throughout the year while still being comprehensively protected by an insurance policy that works for your needs as a driver:  

Pay annually   

All insurance companies provide drivers with the option to pay for their insurance for the year through monthly installments or one upfront payment. While it may cost you more money upfront to pay for an entire year’s worth of insurance, it will end up saving you money in the long run. This is because insurance companies offer discounts for annual payments. On the other hand, insurance companies will charge an installment fee for drivers who want to pay on a month-to-month basis as it requires more work for them to process individual payments each month as opposed to just one. Therefore, if you are able to avoid monthly installments, you can save more money throughout the year. 

Increase your deductible

Your deductible is the amount you pay out of pocket in the event you file an auto insurance claim. For example, if you need to replace a cracked windshield, drivers are responsible for paying a deductible of, let’s say, $200 to get it fixed. The rest of the cost will be covered through your insurance policy. Toronto drivers are able to choose what they want their deductible to be, depending on the type of damage that occurs to their car. Therefore, if you are able to increase your deductible on injuries, you can save money on your annual insurance policy. However, keep in mind that you will need to pay more money out of your own pocket, and it is only a good idea to do so if the amount of money you will save over time is worth it.  

Insure all cars together

If you have more than one vehicle in your household, drivers in Toronto can save money on their annual insurance premium by bundling their insurance together under one policy. The only requirement for bundling your insurance together with other drivers is that you must have the same address as them. As a result, you can receive beneficial discounts that can save you a ton of money each year, which is why it is a good idea for families in Toronto to go the bundle route if they are looking to save money on their car insurance. 

Consider Bundling 

Another way Torontonians can save money on their car insurance is to consider bundling their automobile insurance with other insurance policies that have such as home insurance, travel insurance, business insurance, and life insurance. By doing so, most insurance companies will provide you with discounts that can not only help you save on your automobile insurance but your other insurance policies as well. Therefore, if you do have other insurance policies in place, we recommend looking into our bundling options. 

Get winter tires 

Winter tires are proven to provide drivers with better traction and control when driving during cold weather and on roads that are covered in ice, slush, frost, and snow. Having better traction means that your chances of getting into a car accident are reduced. As such, insurance companies will lower your annual insurance cost as fewer opportunities for accidents to occur reduces your overall risk. 

Review your coverage

As the years go on, your driving habits and lifestyle can change. By reviewing your coverage and modifying it to meet your current needs and expectations may help you save money on your insurance premium. With the help of the insurance team at Insurance Hero, we’ll look over your current automobile premium and adjust specific factors that will result in the lowest insurance premium possible for you. 

 Improve your driving habits 

As we said, your driving habits will directly affect how much your annual insurance will cost. Therefore, to lower your premium, consider improving your driving habits and avoiding penalties on your driver’s license for speeding, texting while driving, operating a vehicle under the influence of drugs or alcohol, and any collisions you are found at fault for by driving safely on the road. In addition, for younger drivers who are new to driving, by successfully passing your complete license exam and having a clean driving history, you can save money on your insurance premium. 

 Drive a hybrid or electric car

On average, driving a hybrid or electric vehicle is safer than driving a fuel-powered vehicle. As such, driving a hybrid or electric car can help you save on your insurance premium as insurance companies typically calculate the associated risk of these vehicles as lower. Therefore, if you’ve been considering making the switch to an electric or hybrid car and have the financial means to do so, it can help you save money on the cost of fuel and your insurance premium in the long run. The Ontario government also provides drivers with electric vehicle incentives when they trade in their fuel-powered car to purchase an electric or hybrid one.

Optional Toronto car insurance coverage includes:

While all Ontario drivers are required under the law to operate their vehicle under the protection of a basic insurance plan that includes third-party liability and accident benefits, there are additional insurance coverage policies you can add to your insurance portfolio. Here is a closer look at other insurance coverage options you should consider adding to your primary insurance plan so you can drive confidently on the road without worrying about whether or not you are comprehensively covered in the event you get into an accident with another vehicle. 

Collision insurance 

Collision insurance provides drivers with protection in the event they get into an accident that involves another driver or object that causes damage to their vehicle. With this insurance policy, the cost to repair or replace your damaged vehicle will be covered by your insurance company. 

Comprehensive car insurance

Comprehensive car insurance provides drivers with additional protection against damage or losses that are not related to a collision. This comprehensive coverage includes vandalism, theft, damage due to natural disasters, fire damage, damage caused by explosions, broken or shattered windshields, damage caused by collisions with wildlife, and damage caused by fallen objects. You never know what could happen when you’re on the road or parked. With this comprehensive insurance policy, Toronto drivers can rest assured knowing they are covered against damages and losses at all times. 

Specified perils      

Specified perils provide Toronto drivers with protection against damages that are caused by hazards that are specifically and only outlined in your insurance policy. This includes fire, theft, attempted theft, lightning, windstorms, hail, water damage, earthquakes, explosions, riots, and any damage caused to your vehicle when it is being transported from one location to another.         

All perils

All perils insurance coverage provides drivers with protection against all listed perils that cause damage to your car. This includes theft by someone who is in your house or third parties that you have hired to drive your vehicle who has caused damage to your car while you are not behind the wheel.

Compare auto insurance quotes in Toronto

With the help and guidance of the insurance specialists at Insurance Hero, Toronto vehicle owners can compare auto insurance quotes from over 12 leading insurance companies that operate in the province of Ontario. As an online insurance brokerage, our insurance specialists are able to provide Torontonians with unbiased opinions and recommendations that work best for your specific needs and expectations.  

Our insurance team brings years of experience and strives to go above and beyond for all customers that choose to partner with us. With our expertise, we’ll help you save as much money on your car insurance in Toronto as possible. You’ll have access to information that will allow you to adequately compare auto insurance quotes from other insurance companies so you can choose one that reflects your driving habits and lifestyle.

Get a car insurance quote today

As insurance experts, we understand that choosing an insurance policy that works best for your needs while keeping costs down as much as possible can be challenging. However, with our help, you can get back onto the road feeling confident in your newly crafted insurance premium. 

To receive a free estimate for the highest quality car insurance in Toronto, contact a member of the insurance specialist team at Insurance Hero today for more information on how we can help you craft a customizable insurance plan! 

Our team looks forward to working with you!

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