Use our car insurance calculator to save money by finding great rates from the leading insurance providers in Ontario. It's quick and easy to use and there is no obligation. It will help you calculate the best coverage and premiums.
We know you value your time and don’t want to spend hours looking for good insurance prices. So try our calculator and compare quotes and save time and money. You could save hundreds in just a couple of minutes.
Ontario car insurance is expensive and it keeps increasing. Using a car insurance calculator is a good way to time to find premiums from multiple insurers to help you save on coverage.
So why should you use a car insurance calculator?
You will have peace of mind in knowing you are saving money.
Using ThinkInsure's car insurance calculator can help find the best Ontario car insurance rates from the leading insurance providers in Canada. It's quick, easy and free to use. You can also call us and speak with one of our insurance advisors to calculate your premium.
Enter your driving and vehicle into the calculator.
We’ll compare quotes and show you the best insurance coverage options and rates.
Pick your policy and coverage to get insured!
Here are some of the main situations when you should use a calculator to check your rates :
Getting the most out of a car insurance calculator is important. It ensures that your quotes are as accurate as possible. Here are some great tips :
Consider all the variables when choosing your coverage. Factor in the price, coverage limits, and overall value of a policy.
Insurers use many factors to calculate car insurance premiums across Ontario. Here are some of the key factors that impact the cost of a policy :
What vehicle do you drive – SUV or a sedan? How old is it? Is it a common target for thieves? Does it have a good safety rating? The model you drive, its MSRP, vehicle features, repair expenses, and vehicle type can make a big difference.
Do you use your vehicle to drive to work? How many kilometers do you drive per year? Do you use your car for business? If you drive occasionally, you may qualify for a discount.
Insurers consider the following when calculating your rate :
The type of additional coverage you select will impact your rates. More coverage will increase costs. It will also provide you with greater protection. Adjusting your deductible amount for collision or comprehensive insurance will impact how much you pay. As a general rule, increasing your deductible will lower your premiums. Choose your coverage and deductible amounts wisely.
Each insurance provider calculates their rates differently. They are many factors that they consider such as driving record, postal code, vehicle and claims data when determining premiums. If companies are not profitable because of claims expenses they can apply to the FSRA to increase their rates.
This is why you will often receive quotes that vary significantly from different insures. Using an insurance calculator will help you compare multiple companies at the same time.
Ontario car insurance is made up of two main categories of coverage – mandatory and optional auto insurance coverage. Our auto insurance calculator will determine your premium based on the coverage levels you select.
A standard mandatory amount of coverage is used when determining your insurance rates. Drivers are required to have the following coverage :
Adding extra coverage to your policy will increase your premiums, but most importantly, it will give you more protection. Your calculations will vary based on the additional coverage you choose :
Here are some frequently asked questions we receive about using our car insurance calculator :
A car insurance calculator is a comparison tool that allows you to compare quotes with multiple Ontario insurers at the same time. You provide personal details about your vehicle, driving history, and answer a few questions.
You'll see your no obligation quote and coverage options. Identify potentials discounts and savings. Calculators help you identify the best policy for your situation. Use one when shopping for a new policy or at renewal.
Car insurance calculators are only as accurate as the information you provide. If you leave sections blank or do not provide correct information, your quote will not be accurate. It’s recommended you gather your information, such as your driver’s license, vehicle information, and driving history before using a calculator.
This will ensure you are entering accurate information into the auto insurance calculator. Always provide complete and correct information to get the most accurate quote.
There is often a misconception that insurance calculators cost money to use or you need to commit to something to get access to them.
Using an auto insurance calculator is 100% free. There is no fee to compare insurers and policy options. You do not need to commit to anything to use it.
While you can get an estimate, it will not be completely accurate. Personal information such as your address, age, gender, license details and driving history are all used to estimate your rates. The more information you provide the more accurate your car insurance calculation will be.
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