tips for buying insurance

Buying car insurance can be overwhelming and confusing.  The following tips can help make the process a little clearer and ensure you are getting the policy that is right for you:

  • Auto insurance in Canada is not just an option, it is the law.  All motorists must have valid insurance.  If you do not have insurance or your current policy has expired, your driver's licence can be suspended and your vehicle impounded.
  • Insurance can only be sold by a licensed broker, agent or insurance company in Ontario. To find out if your insurance broker is licensed to do business in the province, visit the Registered Insurance Brokers of Ontario website.
  • Insurance rates and policies vary greatly from one to another, so make sure you shop around to find the one that suits your needs and budget best.  Obtain quotes from different direct writers, brokers and agents.
  • Some insurance companies give discounted rates if you insure your home or other vehicles with them.  Don’t be afraid to ask for a discount.
  • Your driving record will be taken into consideration when determining your rates. The cleaner your record, the lower your rates.
  • The type of car (i.e. sedan, SUV, sports car) you drive will also affect your rates.   The more expensive it is to fix and the more enticing to thieves, the higher  your rates.
  • Be honest and accurate with your insurance agent if your circumstances change, as this can affect your rate.
  • In Ontario, all motorists are required to have a minimum amount of insurance.  Click here for more information on what is included in the Standard Auto Insurance Policy
  • Make sure your fully understand what is and what isn’t covered under your policy.  Ask questions.

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did you know?

There are more than 21 million licensed drivers in Canada and 26 million registered vehicles (cars, trucks, motorcycles, buses, etc.).

Source: Transport Canada

Car Accident Timelines

You have 10 business days to provide the insurance company information after it requests, or it can suspend or deny your benefits.

  • 7


    You must inform the Accident Benefits insurance company of the accident and that you were hurt. MORE

  • 30


    You must complete and send the Accident Benefits application within 30 days of it being provided to you by the insurance company. MORE

  • 120


    You need to give written notice of your intention to sue the at-fault parties. MORE

  • 2


    To commence a lawsuit against an at-fault driver or your own insurance company if your benefits are denied. MORE


All of the information on this site has been provided by Carranza LLP, Canada’s first ISO 9001:2008 certified personal injury law firm.

1280 Finch Ave. West, Suite 200

Toronto, Ontario Canada

M3J 3K6

T: 1-877-633-1065

F: 416-633-9782

To reach us by email please contact

Disclaimer: This website is meant as a general reference for injured persons and their families. The medical and legal information contained in this manual is not intended to offer legal or medical advice. The content of this website is for informational and educational purposes only and is not intended as a substitute for the professional judgment of a legal and/or healthcare professional, and you should not rely upon any material or statements made on this website for legal or medical advice. It is not intended to create a solicitor-client relationship. It is recommended that you review any medical information carefully with your doctor or healthcare professional before making any decisions regarding your health or recommended medical treatment. While reasonable attempts have been made to ensure the accuracy of the information on this website, our firm cannot make express or implied representations or warranties about the accuracy or completeness of the information. Each person's legal needs are unique, and these materials may not be applicable to your legal situation. Please contact an Ontario Personal Injury lawyer for a consultation on your particular personal injury matter.

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