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Save more with better insurance rates on coverage that fits your needs

We understand that Canadians have unique insurance needs. We'll work with you to create a personalized policy with coverage tailored specifically for you. Our large partner network of over 50 top insurance companies means you get the best protection and rates possible.

Finding the best coverage and saving on your insurance is quick and easy with ThinkInsure. Start by comparing the cheapest insurance quotes online or give us a call and we'll do it for you. Our team of licensed insurance brokers will answer all your questions and compare insurance quotes to get you the lowest rate. Get a free quote and save more on your insurance today!

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Insurance quotes and solutions for all aspects of your life

Insurance is about you. It’s about finding the right level of protection, coverage, and best prices quickly.

We have all types of insurance. Our insurance brokers will find the most affordable premiums for your coverage needs. We take the guesswork out of the quote process. We help all customers get insured in minutes - new customers, renewals, switching providers, and even high risk.

We'll make sure you get properly insured and explain your policy details. We believe you don't have to sacrifice your insurance protection to get a great rate!

If you live in Ontario or Alberta, we've got you covered. Give us a call for a quote or compare quotes online. We'll get you insured quickly at a competitive rate.

Why choose ThinkInsure for your insurance?

Insurance is about you. For over 45 years ThinkInsure has helped Canadians save by comparing the lowest insurance quotes from the top providers. Our brokers will help you get personalized insurance and ensure you are covered properly. We are an independently owned insurance brokerage. This means we work for you and not an insurance company or third party. Our job is to help you with all your insurance needs.

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We've got all types of insurance

We pride ourselves in helping all types of Canadians get insurance – new customers, people looking to switch insurers, renewals, and even those in the high risk category. We don’t discriminate.

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Save with the lowest rates from top insurers

Saving money is a top priority for you. Every little bit counts. Get quotes from the top insurers in Canada and keep more money in your pocket.

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You get customized insurance designed for you

We know you have unique insurance requirements. We’ll help you get the insurance that fits your lifestyle and budget.

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It’s quick and easy to get a quote

No one wants to spend hours comparing insurance rates. We'll help you find the cheapest quotes online or over the phone in a just few minutes.

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Get trusted and unbiased expert advice

Have questions about your policy? Ask away! Our licensed insurance brokers are here to help you! We work for you, not the insurance companies so we put your interests first.

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We’re committed to serving you better

You are our top priority and we are dedicated to providing an excellent customer experience. We've got you covered for quotes, coverage, service and much more.

What you need to know about getting insurance in Canada

Insurance touches many aspects of our lives, so it's important to have a good understanding of what it is and how it works. Your need for insurance is dependent on your lifestyle.

You must have car insurance if you want to drive. Home insurance protects your property and commercial insurance ensures your business has protection. While on vacation it's important to have travel insurance so you can relax, knowing you're covered. Life insurance creates financial security for your family.

We know insurance can also be confusing. There’s a lot of terminology and difficult concepts to understand. But we have you covered. Here is a basic overview of what all Canadians should know about insurance:

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

Insurance is a contract between you and your insurance provider. It's 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 policy limits. How much you pay and the types of threats you are have protection against will vary based on your plan details.

The Government of Canada defines insurance as:

“Insurance is a contract, called a policy, between you and an insurance provider, under which you can be compensated for certain losses. You pay a fee called a premium. In exchange, the insurance company agrees to pay you a certain amount of money if the event you are insured against happens during the term of the policy.”

Insurance can be mandatory or optional and you can customize it to serve your specific purpose. For example, auto insurance is a requirement in all provinces to drive. Home insurance is not mandatory, but if you have a mortgage, coverage will be required by the lender. Business insurance may be required based on your industry and business type. Life and travel insurance are optional but are recommended. So, your need for insurance depends on the product.
An insurance quote is an estimate of your insurance policy premium. Quotes are based on the specific information you provided during the quote process. It's important to provide precise information to get an accurate idea of how much your insurance will cost. Quotes are estimates and can differ from the final premium presented to you by an insurer.

Comparing insurance quotes provides you with the opportunity to shop for solutions from a variety of insurance providers.

The concept of insurance is actually rather simple. You make payments in exchange for protection against certain risks and threats. You pay an insurance company, who then agrees to pay you (or beneficiaries) in the event of a loss event.

The amount of money you are entitled to will depend on your insurance policy limits, coverage selection, and other details in your insurance contract.

All people are inherently exposed to a certain level of risk. Insurance can provide you with protection in many areas of your life.

If you drive, there is a risk of a car accident, theft, or damage to your vehicle. Businesses and homeowners are at risk of damage from storms; break-ins, and liability issues if someone is injured on their property.

There are many other unforeseen events, threats and risks you need to protect yourself against. Insurance provides you with protection against common threats and perils. Insurance provides you with:

  • Protection for you and your family: Insurance helps protect you and your family when driving, relaxing at home, travelling, and in many other situations.
  • Financial security: Insurance helps protect you financially if damage is caused to your property, belongings, or vehicle. Rather than fully pay out of pocket, your insurance will cover some or all the costs related to a claim.
  • Reduced risk, liability, and loss: Insurance provides you with risk management. It protects you against life’s uncertainties.
  • Peace of mind: Life can be stressful. Insurance gives you peace of mind in knowing you are covered if something unforeseen occurs. Protect the life you’ve built with strong insurance policies.
Yes. The insurance industry is regulated at the federal and 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.

For example, Ontario has the Financial Services Regulatory Authority of Ontario (FSRAO) and Alberta has Alberta Automobile Insurance Rate Board (AIRB).

There are a number of ways you can shop for insurance and buy it in Canada. All options are not created equal. Here’s an overview of how each option works:

Use a direct insurer

Some insurers sell their products directly to consumers. But you are limited in your choices. You also will not know for sure if you are getting the best deal because you didn’t compare prices.

Use an aggregator

While aggregators offer you choices, you may be limited in the number of insurance partners they work with. Aggregators are not insurers and they don't provide coverage or insurance advice. They are lead generation sites that show estimates of premiums from brokers and insurance companies that buy the leads.

Use an insurance broker

Insurance brokers offer one-stop shopping for insurance. You can compare insurance quotes from many insurance companies, allowing you to find the cheapest rates. Brokers will then ensure you have proper coverage and help you buy your policy. You get advice on all your insurance matters and have access to customer service when you need it. Make sure you find out how many companies your broker works with. ThinkInsure has a very large selection of over 50 providers you can get insured with.

We've got you covered with great insurance rates

ThinkInsure has you covered for all types of insurance in Canada. We'll find you the lowest insurance rates for your property, auto, and business to help you save more. Get insured for a cheap rate today.

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Auto Insurance

Finding the best rates for auto insurance in Canada is quick and easy. Premiums and coverage can vary significantly by provider. With ThinkInsure you can choose from the top providers to find the lowest rate. You could save up to 25% or more.

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Home Insurance

Our large selection of insurers not only means you get great home insurance, but you can save hundreds on your coverage. We'll find the lowest insurance rates for your house and property and give you expert advice to ensure your home is protected properly.

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Business Insurance

We can help you protect your business by searching for commercial insurance from the leading providers in Canada. We'll help you compare plans to get the best policy for your business for the lowest price. Get a quote today with a ThinkInsure advisor and save more.

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Save more by comparing insurance quotes

Insurance rates are always changing. The rates you were quoted a few years ago could be different today. They could be higher or lower.

Shopping around and exploring your insurance rate choices 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:

  • Coverage varies by insurer: The type of coverage, endorsements, and plans are different. Some insurers specialize in a particular type of protection while others offer more far-reaching solutions.
  • Rates are different for each company: Insurers use different formulas to determine rates. They use a range of factors and weigh things differently. This means two companies could use the same information and produce 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 can get a better rate.
  • Find more discounts: The types of discounts offered are different for each company. Some may offer you a lot of savings, while others may not.
  • Compare to make the best choice: 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 a good decision based on your specific situation.
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Bundling is a better way to save on your insurance

Are you looking to bundle home and auto insurance together to save more? Insurance premiums for your home and auto can be one of your biggest monthly expenses. One of the fastest, simplest ways to reduce your premiums is to combine them. Bundling your house and auto policy together with the same insurance company lowers your costs by up to 25% or more.

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Choose from the top insurance companies in Canada

We know you want insurance options. ThinkInsure partners with more than 50 of the leading insurance companies in Canada. With our wide selection of insurers, we can offer you better insurance solutions. We will shop the market to make sure you are insured properly at the lowest rate.

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Ready to save more on your insurance?

Get a better rate today on your insurance. Compare the lowest quotes for home, auto, business, life & travel insurance and save more. Get started by comparing rates online or speak with one of our advisors.

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What are the best ways to save on insurance?

Getting affordable insurance quotes is important. Why spend more money on insurance than you need to, right? Getting cheap insurance doesn’t always happen overnight. It's important to be proactive and consistently take the right steps to lower your insurance rates over time.

Here are some tips to help you save and get a cheaper insurance quote:

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Shop around and compare your options

No two insurers offer the same products, coverage and pricing. Shopping around and assessing your insurance choices can help you gain a better understanding of the options and pricing available to you before you select a policy.

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Compare quotes upon renewal

Insurance renewal time is your chance to lower your insurance rates. Providers change their rates often so comparing quotes before your policy renews is an effective way to save.

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Combine your policies to save more

It's common for people to have many types of insurance. When you combine multiple types of insurance with the same provider you will qualify for significant savings. Bundling policies can save you 25% or more.

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Don’t over insure

You can over-insure. Regardless of the insurance type, having too much will only result in you paying more for something you don’t require. Remember, you can always add to your coverage if you believe your current level is not enough.

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Choose the best payment option

How you pay for insurance can affect your total premium amount. Most people assume paying monthly is the only option. If you have the financial means, pay in full. This will save you on administrative and interest fees.

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Find 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. It's important to take steps to eliminate threats you can control. When you do this, you will lower your insurance rate.

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Review and update your policy annually

Things change. When they do, you should adjust your insurance to reflect these changes, or you could find yourself with coverage gaps. Assess each year when your policy comes up for renewal to ensure it reflects your requirements. You could uncover new savings opportunities.

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Take advantage of discounts

Insurance companies offer many different types of discounts. Be sure to ask your advisor about the discounts you qualify for. You could save hundreds of dollars on your insurance.

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Stay claims-free

Minimizing risks when driving and maintaining your home and property will reduce your chances of needing to make a claim. Maintaining a claims-free status helps you avoid potential insurance rate increases.

Insurance help when you need it

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24/7 Claims Service

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 any time. You can also get advice from our insurance brokers before making a claim. We'll advocate on your behalf and help you through the process.

We're registered insurance brokers

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 follows all industry rules and guidelines in Ontario and Alberta. They also receive regular training on the latest coverage, products, and information.

Questions and answers about insurance in Canada

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. A licenced advisor must verify the final premium.

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.

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 coverages that others do not. Your limits could also vary. Therefore, you should compare the price, protection, and overall value of the plan before deciding.

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

Changing insurance plans or carriers is dependent on your situation. Many people 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.

Insurance rates can go up for many 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.

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Get a free insurance quote today

Online comparison shopping is the best way to find the lowest insurance quotes. ThinkInsure can help you compare insurance options from Canada’s top insurance companies. Get expert advice and get better protection and the best rates.

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