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When drivers complete our quick and easy quoting form, we run the information provided against a database of car insurance providers—the largest database of all comparison websites in Canada—and show you the best available rates. Once you see a quote that you like, call us and we’ll connect you with one of our insurance experts to complete the process so you can start start paying less for your vehicle insurance.

It only takes a few minutes, leaving you more time to enjoy your savings!

Yes. You must have valid auto insurance in order to operate a motor vehicle anywhere in Canada.

The exact penalties differ from province to province, but wherever you are, you can expect to pay a hefty fine. It is a serious provincial offence and you will face higher insurance premiums in the future as a result.

While auto insurance is mandatory across Canada, not all provinces have the same approach.

In Ontario, Alberta and the Atlantic Provinces, drivers must purchase a policy from a private company. The same is true for drivers in Canada’s three northern territories.

In British Columbia and Manitoba, government-owned corporations provide auto insurance. The same is true in Saskatchewan, but drivers there can supplement this with additional coverage from a private company.

In Quebec, government-run insurance covers minimum limits for bodily injury, but property damage coverage is only available from private insurers.

See our Provincial pages for Ontario, Alberta and Quebec for a detailed look at how auto insurance works in each of those provinces.

Primarily, the provincial governments are responsible for setting insurance rates. Even in provinces where insurance is available from private insurers, the government has the final say on rate changes and which factors are considered when classifying risk. For example, some provinces allow a driver’s gender to be taken into consideration by insurance providers, while others do not.

Insurance premiums for identical coverage can vary between insurance companies, but nobody can claim to be the cheapest without first seeing your information. Every driver is unique, and the quotes you receive depend on the perceived likelihood of you making a claim.

All we need to know is the type of vehicle you drive, the type of licence you hold and your driving history (any tickets or accidents you have had). If you don’t know the exact information right now you can provide an estimate to get the ball rolling, but the quotes you see may change if the information is amended afterwards. The more accurate you are when completing your quote form, the more accurate your quotes will be.

The two main factors that affect your rates are your driving record and your address.

Your driving record: The number of years you've been licensed and whether or not you've had any convictions (traffic violations) or been involved in at-fault collisions, will play a role in how much you pay for your auto insurance coverage. To get the best vehicle insurance premium, you have to build a history that shows you are not a high-risk driver. This takes time. Young drivers typically start off by being listed as an occasional driver on their parent's vehicle to get those valuable years of experience. If you have a clean driving record, your premium will be lower than if you've had a conviction or accident.

Where you live and drive: If you live in a rural area, chances are you'll pay less than someone who lives and drives in a city where there are more drivers on the road, and the likelihood of getting into a collision is higher. Also, more vehicles tend to be stolen in urban areas.

Learn more about Canada’s most expensive cities for auto insurance or see how your current rate stacks up to the typical auto insurance rates in your area using Kanetix.ca’s InsuraMap. You’ll be able to see where the cheapest, and most expensive, areas for auto insurance are located.

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Each province has their own rules governing which car insurance coverages are compulsory, however, some are found across the country:

ssr免费飞机节点 is mandatory in all provinces and territories. This coverage will pay for the outcome of a lawsuit if you are sued because a collision you caused resulted in the injury or death of another, or resulted in damage to their property. Generally, the minimum required amount of coverage you need to have is $200,000, although most drivers have at least $1 million.

With the exception of Newfoundland and Labrador, Accident Benefits are mandatory throughout Canada. Accident Benefits will pay for things like medical treatments, income replacement and funeral expenses if you are injured or killed in a car accident.

Some areas of the country require that your auto insurance policy include Direct Compensation Property Damage (DCPD) and/or Uninsured Automobile coverage. DCPD covers damage to your vehicle or its contents when someone else causes a collision you’re involved in. Uninsured Automobile coverage offers protection to you if you’re involved in a collision where the other driver, who is at fault for the accident, does not have auto insurance.

While every province has compulsory minimums that you must have as part of your auto insurance policy, there are also optional coverages and endorsements that you can add to your policy for a fee. A few of the more popular include:

Collision coverage: This covers damage to your vehicle as a result of an impact or collision with another vehicle or object.

Comprehensive coverage: This insures your car against damage caused by theft and vandalism.

Loss of use: Let's say you have collision coverage, and you're in an accident. Loss of use will cover your transportation costs (like a rental car) while your vehicle is being repaired or replaced.

ssr小飞机二维码节点 If you frequently rent cars, this endorsement will ensure that your rental has both collision and comprehensive coverage.

Depreciation waiver: If you have a new car, this endorsement ensures you will receive the full value of your vehicle should it end up being considered a total loss after an accident.

A deductible is the portion of an insurance claim you agree to pay. Your car insurance company covers the remaining cost. Your deductibles also play a part in how your rates are calculated. Depending on how much financial responsibility you take on in the event of a claim, your auto insurance rates will reflect your commitment. Take on more responsibility (i.e. increase your deductibles) and your rates will lower, take on less responsibility (i.e. decrease your deductibles) and your monthly auto insurance premiums will increase.

If you’ve chosen to include collision coverage, comprehensive coverage, or both on your auto insurance policy, the broker or agent you speak with when discussing your insurance needs will ask you about deductibles. Specifically, you’ll be asked how much you’d like your deductibles to be. Give this question some thought before answering because you’ll want to pick a deductible that fits your budget and will not cause financial stress should you need to submit a claim. While it’s true that your car insurance premiums will be lower with a higher deductible, your deductible needs to align with your personal finances. The most common choices for deductibles are $500 or $1,000.

People often mistake collision and comprehensive to be one coverage component of their auto insurance policy. The reality is, however, collision coverage and comprehensive coverage are different; you can buy one without the other or purchase both. As a result, the deductibles you choose do not need to be the same.

Yes, in places where ride-sharing services such as Lyft and Uber are available, you can get ride-sharing insurance to protect yourself, your vehicle and your passengers.

The easiest way to save money and find cheap car insurance is by using Kanetix.ca to compare multiple quotes.

A multi-vehicle discount could help you to save up to 10 or 20 per cent off your auto insurance premiums.

If you purchase both your property and car insurance from the same insurer, you’ll likely save in the range of five to 15 per cent.

Some insurers offer a winter tire discount if you change your tires seasonally. It will save you about five per cent.

If you have collision and comprehensive included in your auto insurance policy, see how much your deductibles are. If they are set at $500, increasing them to $1,000 will typically save you about five to 10 per cent. Only increase them, however, if your budget allows for it as the deductible is what you’ll have to fork out should you need to submit a claim.

Sometimes auto insurance companies charge an administrative fee if you pay your premiums monthly. If you pay your premium annually instead, you avoid having to pay this fee.

Usage-based insurance (UBI) monitors your vehicle’s use and typically tracks acceleration, braking habits, driving hours and speed. If you sign up for a UBI program, you can save five to 10 per cent off the top, with additional car insurance savings for good drivers on renewal.

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If your vehicle is a popular target for thieves, your premium will likely reflect this. Check the Insurance Bureau of Canada’s annual list of the most stolen cars in Canada and see if your car made the list. If it did, it might be wise to consider a vehicle that is less desirable to criminals.

Before buying a new car, make sure you take into account how much that vehicle will cost you to insure, by comparing car insurance quotes for multiple vehicles.

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Ask your insurer if you are eligible for a discount for being a member of an association or alumni. Having a membership to a roadside assistance program can also get you a discount.

New drivers who take an accredited drivers training program may be eligible for significant savings on their auto insurance. Check the Ministry of Transportation to find out which programs qualify.

The more time you spend on the road, the greater the chance you'll be in a collision. If you work close to home (or take public transit), chances are you'll pay a lower auto insurance rate than someone who commutes an hour a day, each way.

The cost of coverage between companies can differ by hundreds, sometimes thousands of dollars. The only way to make sure you are getting the best price for your policy is to spot-check your car insurance rates regularly on Kanetix.ca.