Saving On Insurance Is Easy

We know Canadians want to save on their insurance and it's our mission to help them do that. Comparing insurance quotes from multiple providers is the first step towards finding the best rate. We are partners with the top insurers in the country. We'll shop for the best quotes to help you save as much as possible on your insurance.

Our licensed insurance experts will make sure you get properly insured and explain your policy details. So you can have peace of mind knowing that you're protected for a great price!

Comparing insurance rates and getting insured is quick and easy with ThinkInsure. Saving on your premiums a is just a call or click away. Get started by giving us a call for a free quote or you can compare online.

We've Got You Covered For Insurance

ThinkInsure has you covered for all types of insurance in Canada. We'll find you the lowest home, auto, business, life & travel insurance premiums to help you save more. You can compare online or speak with one of our advisors. Get a great rate and get insured today.

car icon Auto Insurance

Drive with confidence knowing your automobile is insured at a lower rate.

home icon Home Insurance

Home is where the heart is. We'll make sure it's protected for a great price.

business icon Business Insurance

Protect your business with proper insurance and sleep well knowing it's covered.

See Our 5 Star Customer Reviews

ThinkInsure Google 5 star reviews

Average of 4.7 out of 5 stars in 1139 Google reviews

See what ThinkInsure customers are saying about getting their insurance with us.

See all reviews
Previous Next

What Is Insurance?

Insurance is an important form of financial protection. It is available in a number of forms, but its essence is the same. You receive protection from loss or threats you may encounter for your car, home, business and other types of insurance, in exchange for paying a premium.

Insurance is a contract between you and your insurance provider. It is in the form of a policy. This outlines the types of protection you have and the perils you are protected against. You have coverage up to your defined limits. How much you pay and the types of threats you are protected from will vary based on your plan details. Insurance can be mandatory or optional and you can customize it to serve your specific purpose.

How Getting An Insurance Quote Works

An insurance quote is an estimate of your premium. Quotes are based on the specific information you provided. It is important to provide precise information to get an accurate idea of how much your insurance will cost. Quotations are estimates and can differ from the final amount presented to you by an insurer.

Comparing insurance rates provide you with the opportunity to shop for options from a variety of insurance providers. It has never been easier to get an insurance quote. Today, you can search for the best quotes in minutes.

Quickly provide your details
1) Provide your insurance details

Tell us about yourself and your insurance needs.

We will search for the best savings
2) Compare rates from top providers

We’ll find rates from the top insurance companies in Canada.

You select lowest price and buy your policy
3) Select the lowest quote and buy

Choose and buy your insurance. You’re insured. It’s that simple!

Ways To Get More Affordable Insurance

Everyone wants a lower insurance rate. You want to pay as little as possible for the type of coverage you need. Here are some tips to get lower insurance quotes :

  1. Shop around and compare your options : No two insurers offer the same products and solutions. Shopping around and assessing your insurance options can help you gain a better understanding of the options and pricing available to you before you select a policy.
  2. Combine your policies to pay less : Its common for people to have multiple types of insurance. The most common is home and auto insurance. When you get multiple types of insurance from the same provider you will instantly quality for significant savings. Bundles can save you 30% or more on your rate.
  3. Avoid getting more coverage than you require : You can over-insure. Regardless of the insurance type, having too much will only result in you paying more. Remember, you can always add to your plan if you realize your current level is not enough.
  4. Payment options : How you pay for insurance can affect your total amount. Most people assume paying monthly is the only option. If you have the financial means, pay in full. This will ensure you pay less on administrative and interest fees.
  5. Identify ways to minimize potential threats : Everyone is predisposed to a certain number of threats. There are threats when you buy a home, drive your car, and operate your business. Its important to take steps to eliminate threats you can control. When you do this, you will lower your insurance rate.
  6. Review and update your plan annually : Things change. When they do, you should adjust your insurance to reflect these changes, or you could find yourself with coverage gaps. Assess when your policy comes up for renewal to ensure it reflects your requirements. You could get new savings opportunities and discounts.

Save More By Comparing Insurance Quotes

Smartphone showing lowest compared insurance rate

Shopping around and exploring your insurance rate options is just part of being a smart consumer. There is no "one-size fits all" solution out there. When you compare you are in a better position to reduce your payments. Here’s why you should assess your options with different insurance companies :

  • Insurance options vary : The type of insurance, endorsements, and plans are different. Some insurers specialize in a particular type of protection while others offer more far-reaching solutions.
  • They use unique formulas to set premiums : Insurers use different formulas to determine rates. They use various factors and weigh things differently. This means two companies could use the same information and come up with completely different prices.
  • Insurers are competing for you : Insurers operate independently. They are competing to have you as a customer. When there is competition, you are in a position to get a better rate.
  • They offer different ways to save : The types and amount of discount offered is different for each company. Some may offer you a lot of savings, others may not.
  • Make an educated decision : How much you pay for insurance can change by hundreds of dollars based on the insurer. Reviewing your options allows you to see what is being offered so you can make the best decision based on your specific situation.

Choose From The Top Insurance Companies In Canada

We know you want insurance options. ThinkInsure is partners with more than 50 of the leading insurance companies in Canada. With our large selection of insurers, we can offer you better solutions for your insurance needs.

We will shop the market to make sure you are insured properly at the lowest rate. Our experts and technology make it quick and easy for you to get your policy at a great price.

ThinkInsure Insurance Companies ThinkInsure Insurance Companies

Why ThinkInsure For Your Insurance?

For over 45 years ThinkInsure has provided personalized insurance plans and professional service for our customers. We are a 100% independently owned brokerage. That means we work for you and not an insurance company or third party. It's our job to meet all your insurance needs with better coverage, service and savings!

icon of dollar signs and checkmark Save more

We know saving money is a top priority for you. Choose the best rates from the top insurers and keep more money in your pocket.

Icon of information on clip board You get customized insurance

We understand you have unique needs. Get insurance that fits your lifestyle.

Icon of stop watch and checkmark It’s quick and easy to get insured

Get started by comparing quotes anytime. It only takes a couple minutes. Or give us a call for a quote if you prefer.

Icon of man speaking Get expert advice

Have questions? Ask away! Our licensed insurance brokers are here to help you!

Icon of people in a hand with sheild We’re trusted and unbiased

We work for you, not the insurance companies. You can trust we have your interests in mind.

Icon of thumbs up We’re committed to serving you better

You are our top priority. We aim to make your insurance shopping and service experience as quick and simple as possible.

Insurance Help When You Need It

Icon of customer service and phone

Life happens, sometimes unexpectedly. When it does, we’re here for you. Get into an accident? Have a flood at home? That's why you have insurance right? Don't worry, we have your back.

We have 24/7 claims services so you can make a claim anytime. You can also get advice from our advisors before making a claim. We'll advocate on your behalf and help you through the process.

How Do Insurance Claims Work?

Whether you have an auto accident or your home is damaged by weather we’re here to help. Simply give us a call to start the process.

A claim is a request for financial assistance to cover an insured loss. When you call us, you will get assistance when you file your claim. We’ll make sure opening a claim is the proper decision given the situation. If it is, you’ll pay your deducible and we’ll work with you and your insurer to repair damage, and ensure you are fairly compensated for your loss. We are your trusted advisor throughout the process. Don’t hesitate to reach out to us.

We Are Registered Insurance Professionals

We’re focused on providing the best insurance solutions and expertise to serve you better. Here are some of our professional memberships and accreditations. Our team of registered insurance brokers follow all industry rules and guidelines in Ontario and Alberta. They also receive regular training on the latest coverage, products and information.

Insurance Brokers Association Of Canada logo
Registered Insurance Brokers Of Ontario logo
Insurance Brokers Association Of Ontario logo
Alberta Insurance Council logo
CSIO Technology leader

FAQs About Insurance

There are a variety of ways you can buy insurance in Canada. You can purchase insurance from a broker like ThinkInsure or a direct insurance company. One of the most convenient ways is to start by comparing quotes online. You can do this right here with ThinkInsure. It only takes a few minutes of your time to enter your information and compare your options. With partnerships with the top insurers in the country, we provide you with the superior choice, selection, and savings.

Your insurance quote is an estimate of how much your coverage will cost. It is as accurate as the information you provide when you fill out the quotation form. The final premium will must be verified by a licenced advisor.

Ideally, you want to have enough insurance to financially protect yourself in the event you file a claim. For example, you want to set your limits high enough to cover the total cost of your vehicle if it is totalled or the cost to rebuild your home if it required a complete rebuild. Our experts can help you assess your requirements to ensure you have enough protection built into your policy.

Your insurance quote does not have a specific expiry date. Depending on the insurer your quote could be good for up to 30 days. It is best to act quickly once you get an affordable estimate to lock in the price. Check with your advisor to see how long your quote is valid for.

Insurance companies have a different approach to how they calculate premiums and assess your level of risk. No two policies offered are the same. Some companies may include some types coverages in their policy while others may not. Your limits could also vary. Therefore, you should compare price, protection, and the overall value of the plan before making a decision.

No. Companies do not typically match quotes. They use a formula to set the price for the coverage they specifically offer. Shopping around and checking out your options allows you to get the lowest prices available.

Changing insurance plans or carriers is dependant on your situation. There are many people who stay with the same insurer for years, while others change more frequently. While it is different for each person, you can get the answer to this question by reviewing your needs annually and spending some time shopping around for the best price, discounts, and plan.

Always think about the overall value offered in a plan and don’t choose a policy based on price alone.

Absolutely! At ThinkInsure, we respect your privacy and safeguard the personal information you provide during the quotation process. It is completely safe to get an online insurance quote.

Yes. The insurance industry is regulated on the provincial level. Rules and regulations vary based on where you are in the country, including minimum and mandatory insurance requirements. Each province has a regulating body that oversees insurance companies and brokers.

Insurance rates can go up for a number of reasons. Companies could have been granted a rate increase by FSRAO. There could have been an increase in risk in your region. Your situation could have changed since you first received a quote. Something as simple as moving to a new address can have a big impact on how much you pay.

What Are Some Common Insurance Myths?

Unfortunately, there is a lot of misinformation online regarding insurance. This can have a negative impact on your ability to make educated decisions about your policy. Here are some of the top industry myths you should be aware of :

  • Insurers keep changing the rules about what is and is not covered : Insurance is highly regulated. Changes cannot be made without government approval.
  • Insurers can raise premiums whenever they want : Companies must get approval from their provincial regulator in order to increase premiums. This typically happens on a quarterly basis but will not impact you until you renew.
  • Insurers make it difficult for you to file claims and receive a settlement : Insurance professionals are here to help you through the claims process.
  • Companies make big money off your premiums : Most of the money goes to paying claims, operating expenses, and taxes. A small portion is profit for insurers.
  • Insurance covers me for everything : All plans have exclusions. Be aware of what is and is not covered.

These myths are all false. Always consider the source of information when researching insurance. The Insurance Bureau of Canada is an excellent resource for insurance news and information.

Recent Blog Articles

Best Fall Driving Tips

Best Fall Driving Tips

Fall is the last call for getting out and enjoying nature before winter sets in. But changing weather and light conditions can make driving hazardous. In this article, we’ve put together 18 fall driving tips to help keep you and those you share the road with safe.

Understanding Construction Zone Speed Limits And Signs

Understanding Construction Zone Speed Limits And Signs

Is it true that the fines are doubled if you are caught violating a traffic law in a construction zone? Learn about driving through construction zones and the different signs.

Road Rage Is On The Rise

Road Rage Is On The Rise

We’ve all been there – the feeling of rage building up when we get stuck in traffic, are running late or get cut off by another driver. That feeling is road rage, and it’s a common occurrence today.

Does A Speeding Ticket In Ontario Increase Your Insurance?

Does A Speeding Ticket In Ontario Increase Your Insurance?

Are you aware of how a speeding ticket in Ontario can affect your car insurance? Here we outline the types of speeding tickets, fines, and how speeding tickets can impact your insurance.