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Halloween Tricks, Pranks and Accidents: Are You Covered?

Thankfully, Halloween is usually more about the treat, but Halloween hijinks, tricks and even accidents can happen. How will your car insurance or home insurance protect you? Read more »

Teaching Teens to Drive In All Weather Conditions

With winter weather approaching, we’re reminding parents to practice driving with their teens in all conditions. Read more »

Teen Drivers and Your Insurance

teenage driver When a teenager in your home reaches the big milestone of obtaining a driver’s license, there can be a great deal of excitement and apprehension. Along with the responsibility a young driver takes on when behind the wheel of a car, there is also the financial responsibility of having a teen driver to be considered. Read more »

Nova Scotia to Increase Penalties For Distracted Drivers

Nova Scotia cracks down on distracted drivers by increasing fines and adding demerit points for drivers convicted of using hand-held devices. Read more »

Do You Have a Great Rate? How To Save on Car Insurance Now

Save money on car insurance quotesDoes your car insurance rate make you feel like you’re getting a great deal, or do you worry you could be overpaying? InsuranceHotline.com users know the answer to that question, and so could you. The only way to know for sure if you’ve got a great rate is to shop and compare; if you don’t know what is out there for you... Read more »

Get Your Ontario Car Insurance Quotes Online – Save Today.


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1: Complete A Ontario Car Insurance Quote

To lock in the extra savings you may be entitled to on your car insurance, the first step is to fill out our easy, step by step quote form. The entire process can be completed in 5 minutes and at the end you are instantly provided with the lowest Canadian car insurance quotes available from our network of licensed Ontario insurance professionals. It really is that simple. Our unbiased search technology compiles your information to retrieve the rates from more than 30 Canadian insurance companies and help find you a lower insurance rate. Try it now & join more than 1 million Canadians who have used our service to lock in car insurance savings.


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2: Lock In Your Insurance Savings

Once you have your quote, the next step in the process is to lock in your savings by speaking to a professional insurance broker or agent directly. InsuranceHotline.com puts you in touch with a licenced professional in Ontario who can help get you setup with your new policy. We make the entire process of shopping for Ontario auto insurance quick and easy so that you can get back to your day. Life can be busy and complicated. Shopping for the best car insurance doesn’t need to be. Not anymore.


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3: Stay Informed All Year Long

Saving money on your Ontario car insurance today is a great start, but why not extend the benefits beyond your initial quote. InsuranceHotline.com can actively monitor our extensive network and alert you when a better rate becomes available for your driving profile. Our rate alert service is free, non-intrusive and occurs every 3 to 6 months depending on your preferences. Just like mortgage rates, Ontario car insurance premiums can change frequently. We will make sure you are always informed – for free, and we will even remind you when it’s time for your next auto insurance renewal.

Car Insurance In Ontario: Things You Should Know

Shopping for Ontario Auto Insurance Quotes

The rates charged by different Ontario car insurance companies to insure the same car and driver can vary by hundreds and even thousands of dollars, so it pays to shop around. The key is to find the insurance company that has the lowest rate available, but with so many Ontario car insurance companies, calling around to get comparative quotes is a lot of work and takes a lot of time. This is where getting instant online Ontario car insurance quotes which compare the rates from a broad cross-section of the available insurance companies can help.

InsuranceHotline.com, has been providing online car insurance quotes in Ontario from over 30 competing insurance companies through its network of brokers and agents since 1994. InsuranceHotline.com is the best way for drivers in Ontario to find lower auto insurance rates by providing instant, free, real-time quotes. Save time and money by completing an insurance quote now and get connected with our large network of licensed insurance professionals.

Ontario Car Insurance and the Law

In Ontario, if you own an automobile that is operated on a public road or highway, you are required by law to purchase mandatory car insurance coverage(this also applies to new drivers in Ontario). Third-Party Liability coverage protects you if you are held legally responsible for bodily injury, death or damage to the property of other individuals as a result of driving a vehicle. Third-Party Liability provides protection by making payment up to policy limits and pays the cost of settling legal claims if a lawsuit is filed against you. The legal minimum for Third-Party Liability coverage in Ontario is $200,000, but most people purchase $1-$2 million.

Every person injured in an automobile accident in Ontario is entitled to receive benefits from their insurance company, regardless of who caused the accident. Accident Benefits coverages are mandatory for all auto insurance policies in Ontario according to the Ontario Insurance Act. If you are eligible, you may qualify for several kinds of accident benefits:

  • Income Replacement – compensates you for lost income if you become disabled
  • Caregiver Benefit – pays certain childcare or other caregiver expenses if the stay at home parent or other caregiver is unable to care for a child or other persons in need
  • Non-Earner Benefit – provides compensation if you are unable to carry on a normal life and do not qualify for Income Replacement or Caregiver Benefit
  • Medical and Rehabilitation Benefits – pay for medical and rehabilitation expenses that are not covered by OHIP or another disability insurance plan
  • Attendant Care Benefit – pays for someone to look after a seriously injured person
  • Funeral Expenses & Death Benefits – paid if an insured person dies as a result of an accident

Uninsured automobile coverage is the third mandatory insurance coverage in Ontario. Uninsured automobile insurance provides protection to you and your family if injured or killed by an uninsured driver or a hit and run driver. It also covers damage to your vehicle and contents caused by a driver who is been identified but is uninsured.

Direct Compensation Property Damage is the final compulsory coverage of your car insurance policy. This protects you against damage to your car or its contents in the event of an accident when you are deemed not-at-fault. Coverage under this section will only apply if the accident took place in Ontario, there was at least one other vehicle involved in the accident, and at least one of the vehicles is insured by a company in Ontario. Direct Compensation Property Damage allows you to collect directly from your insurer for damages to your car and contents if someone else is responsible for the accident.

What is “No-Fault” Car Insurance in Ontario?

“No-fault” insurance is the current system used in Ontario. “No-fault” insurance means if you are injured or your car is damaged in an accident, you deal with your own insurance company, regardless of fault in the accident. No-fault car insurance speeds up the claims process since you go directly to your own insurance company to receive payment as opposed to waiting for the insurance companies to decide who was at-fault in order to receive payment.

In every single car accident, someone is always established as the “at-fault” driver, whether they are partially at-fault or 100% at-fault, by their insurance company. Determining fault ensures proper coverages apply to an accident and makes sure the at-fault drivers premiums are adjusted properly. In Ontario, all insurance companies refer to “Fault Determination Rules” to determine fault for car accidents and property damage claims. These rules can be applied to almost every possible collision scenario regardless of road or weather conditions, visibility, and point of impact on the vehicle or the actions of pedestrians.

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