Comparing car insurance rates from 30+ insurers
It’s no secret that car insurance rates in some Canadian provinces, such as Ontario and Alberta, are extremely high.
The secret to finding cheap car insurance in these provinces is to compare auto insurance rates from as many insurers as possible. Some websites compare rates from just a few providers, but claim they will save you thousands of dollars. We are transparent about the insurers we work. We search for the cheapest car insurance rates across 30 insurance companies – see above (varies by province). This is, by far, more than the most other websites out there. Give it a try and start saving today.
Typical car insurance premiums in Canada
The chart above illustrates the average auto insurance premiums across Canada. Typically the province of Ontario is characterized by the highest auto insurance rates. Quebec, as a rule, has more affordable car insurance premiums since the health part of the insurance (e.g. bodily injuries) is covered by the government. Not all provinces allow customers to choose from a variety of insurers. Three provinces have crown companies being the only source of vehicle insurance:
– BC with ICBC: Insurance Company of British Columbia: Link
– MB with MPI: Manitoba Public Insurance: Link
– SK with SGI: Saskatchewan Government Insurance: Link
Ideas for getting cheap car insurance rates
There are numerous way to get cheaper car insurance rates. We have collected for you many idea in the overview below.

Parking insurance policy New
60-80% of estimated savings
Looking to reduce car insurance rates during the COVID-19 pandemic? If
you have more than one vehicle in your household or do not need your current car, consider
switching to a parking insurance policy. Remember, you are not allowed to drive when covered
with parking insurance – your vehicle is covered against theft and fire damage only.

Bundle
5-10% of estimated savings
Getting both car insurance and home insurance from the same insurance
provider is often rewarded with a considerable insurance rate reduction.

Multiple-Cars-Discount
5-10% of estimated savings
Does your family have more than one vehicle? Discuss multiple-car
bundle insurance with your provider today – that can save you some money.

Professional Associations and Memberships
20-40% of estimated savings
Certain professions (such as CPA – Chartered Professional Accountant,
CFA – Chartered Financial Analyst) receive discounts with some carriers. This offer sometimes
extends to the spouses of such professions too.

CAA Member
5% of estimated savings
Your CAA membership comes with insurance discounts and is notable for
its cheap auto insurance. If you have a CAA membership, compare their rates with your current
plan.

Pay-As-You-Drive
5-30% of estimated savings
Don’t drive often and/or drive with extreme caution? In exchange for
having your driving behaviour and mileage tracked through an app or device, you can save a lot
with pay-as-you-drive insurance.

Winter Tires
5% of estimated savings
Winter tires do more than keep you safe. They can get you a discount
on your auto insurance too. Ask if your provider offers this discount.

Anti-Theft System
5-15% of estimated savings
Your CAA membership comes with insurance discounts and is notable for
its cheap auto insurance. If you have a CAA membership, compare their rates with your current
plan.

Senior Drivers
40-65% of estimated savings
Being a senior means you typically have more experience as a driver.
You could qualify for a senior’s discount.
Other ways to get cheap car insurance include choosing your make and model wisely, improving your driving record, taking additional driving courses, storing your car in a private garage, reducing your driving distance to work, shopping around annually before renewing your policy, and adjusting your insurance coverage as your life circumstances change.
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What you must know about Car Insurance in Canada

Your Postal Code
Choose your future home wisely. Your postal code will strongly impact your car insurance rates. In some extreme cases it can double them. For example, Brampton, Ontario is known to have very high car insurance rates.

Your Driving Record
The first violations will increase your car insurance rates by 25% to 40%. If you are considered a high-risk driver, your premiums will double or triple. It may take up to 20 years to fully erase your bad driving history.

Students and Alumni
Some schools and post-secondary institutions provide insurance
discounts with carriers they have partnered with, and those partnerships don’t end when you
graduate. Student and alumni discounts are a great way to save on car insurance for young
drivers.

Occasional Driver
If you only need to drive occasionally, get added to the primary
driver’s insurance as the second driver. It is important though not to mislead an insurance
company – don’t drive as the second driver, if you are the main car user.

Professional Associations and Memberships
If you are a member of an association or group,
such as a CPA (Chartered Professional Accountant), you may get discounts with certain
carriers.

CAA Member
CAA provides insurance discounts to its members across various
insurance types including chap auto insurance.

Direct Insurers vs Brokers
A broker shops the market for you while a direct insurer works for
just one insurance company. If you favour a certain insurance brand, speak to their direct
insurance agent to get the best deal on their products.

Welcome and New Client Discount
New to the insurance company? They may welcome your business by giving
you a welcome discount.

Pay-As-You-Drive
Some carriers will allow occasional drivers to get a policy based on
how often they drive. Driving less can save you a lot of money on premiums.
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