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Car Insurance Calculator

Save with our Canadian car insurance calculator

Our car insurance calculator can help you save by finding great rates from the leading insurance companies in Canada. It's quick and easy to use and there is no obligation. It will help you calculate and find better car insurance coverage and premiums.

We know you value your time and don’t want to spend hours looking for good coverage and prices. You want to find the most affordable policy for your driving needs quickly with no hassles. Using a car insurance calculator to get quotes is the best way to make sure you are getting the lowest rate.

Why use a car insurance calculator?

Woman using a calculator

Insurance is expensive for drivers and it keeps increasing. Using a car insurance calculator is a good way to time to find prices from multiple insurers at the same to help you save.

Here are some reasons :

  • Insurance companies change their rates frequently.
  • Get estimates from multiple companies at the same time
  • Choosing the wrong insurance could leave you without important protection.
  • Your insurance needs may have changed so you may be able to save.
  • You will have peace of mind in knowing you are saving money.

Live in Alberta? Get more information about using an Alberta car insurance calculator.

What is a car insurance calculator?

A car insurance calculator is an online tool that helps drivers shop for insurance in Canada. It allows you to quickly get multiple quotes from all the top insurers. Just provide some basic details and you, your vehicle, driving history and coverage needs. You’ll be able to see multiple estimates at once.

It is an easy way to understand your choices, help you determine your options, and find more ways to save money.

How to use our car insurance calculator

Follow these steps to calculate your car insurance

Using our car insurance calculator is easy! Just complete a few simple steps and see free quotes from the leading providers in Canada. Here is a sample of how to use our calculator :

Tell us a little bit about you

Begin by providing us with your contact information, postal code, and the date when you want your policy to start.

contact information page image

Who is the primary driver? Tell us about your driving habits

Provide information about the primary driver such as their age, gender, and marital status. Tell us about your driving experience, and how long you have been insured. Then let us know about your driving record such as tickets, accidents, and suspensions.

driving details page image

Tell us about your vehicle

Provide us with information about your vehicle year, make and model. Let us know if you own, finance or lease. Then let us know how you use your vehicle and how much you drive such as your daily commute.

vehicle information page image

Apply your discounts

Let us know about the insurance discounts that apply to you. We’ll ensure you take advantage of all eligible discounts for even more savings. Depending on your situation, you could save 20% or more on discounts alone.

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Choose your coverage

Adjust your coverage and deductible amounts to a level you are comfortable with. Your selection will affect the price.

coverage and deductible amounts page image

Check rates and save!

Choose from a list of insurance providers. Choose the plan and price that best meets your needs.

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Call us to get insured

Speak with an advisor to secure your price and buy your policy.

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When to use a car insurance calculator

Here are some of the main situations when you should utilize a calculator to check your rates :

  • You are buying or leasing a vehicle : Know the insurance costs of a vehicle before you agree to a purchase or lease agreement.
  • Renewal : Things change. Determining how much you will pay can help you assess your options before you renew.
  • Updates : Making changes to your personal information, the car your drive or your coverage will impact your car insurance quote.
  • When you add a new driver or remove a person from your insurance : The number of drivers, a driver’s licensing level (G1, G2, G), and driving history of the individuals listed on your policy can have a significant impact on your rates.
  • When you move : The city and postal code you live in is a key factor when assessing your rates.
  • When your social status changes : Retirement, marriage, a new job, buying a home, and other factors affect your budget.

Tips for saving with a car insurance calculator

Image of smart phones with car insurance calculations

Getting the most out of a car insurance calculator is important. It ensures that your estimates are as accurate as possible. Here are some actionable tips for the questions needed in the calculation :

  • Gather your driving information : Gathering your current plan, vehicle and driving details will help you save time and get a precise quote. Don’t forget about family members and make sure they are added as well.
  • Deductibles : Determine the amount for your car insurance deductibles that are comfortable with and the type of coverage you want to be included (basic or full). Make sure you have the same amounts each time to ensure you are comparing the same information.
  • Discounts : There are many discounts offered by each provider such as bundling, multi-vehicle, winter tires and many more. Make sure you select the ones that apply so you get a lower price.

Consider all the variables when choosing your policy to make sure you are getting good value.

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How is car insurance calculated?

An insurance company uses many factors when calculating your auto insurance premiums. Here are some of the key factors they use to calculate your rate :

  1. Experience behind the wheel : Driving experience is a key factor. Experienced drivers are less likely to be in a collision compared to novice drivers. How long have you been driving? What level of graduated licence do you have?
  2. Your age, gender, marital status : Insurers consider personal information such as your age, gender,, and marital status. Why? New drivers have less experience. Younger drivers, males, and single people are more likely to engage in risky driving. They are more likely to be a crash and get tickets. Studies show that women are less likely to be in accidents.
  3. Driving record : A clean driving record can make a huge difference in how much you pay. Do you have recent tickets or claims? Accidents, traffic violations, and claims will increase your rates. The amount you pay will decrease when tickets are removed after 3 more years.
  4. Vehicle you drive : What do you have – SUV or a sedan? How old is It? Do you have a new vehicle? Is it a common target for thieves? Does it have a good safety rating? The vehicle you drive, its MSRP, features, repairs, and vehicle type can result in higher premiums.
  5. How you drive and use your vehicle : Do you use your car to drive to work? How many kilometres do you drive per year? Do you use your vehicle for business? If you drive occasionally, you may qualify for a low kilometre discount. Insurers consider the length of your daily commute, how you use your vehicle and how many kilometres you drive annually.
  6. Where you live : Location, location, location. It can matter just as much for insurance as it does for real estate. If your neighbourhood has higher statistics for car theft and crashes you will likely pay more. City, neighbourhood, and even postal code matter.
  7. Amount of coverage : All policies must include the minimum amount of coverage required by law. In Ontario, third-party liability, statutory accident benefits and uninsured automobile are mandatory. All provinces have basic coverage requirements. You can then choose optional coverage for more protection. Adjusting your deductible amount for collision insurance or comprehensive insurance will affect costs.
  8. Your claims and insurance history : Your insurance history as an insured driver matters. Gaps, payment issues, or too many at fault claims will impact your ability to be insured. It will also increase your payments. So, it is an important consideration to keep in mind.

What cannot be used when calculating auto insurance?

Here are the factors that cannot use when calculating your premium :

  • Not at-fault accidents
  • Credit history
  • Employment status
  • If your automobile is owned or leased
  • Length of time at current residence

Getting an estimate with a car insurance calculator

Here is how to make the most out of using a calculator to get an accurate car insurance car insurance estimate :

  • Know your needs : Have an idea of the type of coverage you need before you shop around.
  • Apples to apples : It is important to make sure the type and amount of coverage that is being compared is the same when getting quotes from different providers.
  • Don’t shop based on price alone : Cost is important, but not the only considerations. Make sure you understand the value, features, and services you will receive in exchange for your premiums.
  • Speak with an advisor : Our team can work with you to ensure you are getting the most savings and the best policy based on your driving needs.

Car insurance calculator FAQs

A car insurance calculator is only as correct as the information you provide. If you leave sections blank or do not enter correct data, your quote will not be accurate. It’s recommended you gather what you need, such as your driver’s license, vehicle information, and driving history before using a calculator.

There is often a misconception that auto insurance calculators cost money to use or you need to commit to something to get access to them.

Using our calculator is 100% free.

No, you need to use your personal information. Your address, age, gender, license details and driving history are all used to calculate your auto insurance.

Silver SUV drving on highway

Save with our car insurance calculator

Use our car insurance calculator anytime! Start a quote online and compare your options with the top providers in Canada. Or you can call us and we'll quickly calculate your rates and help you save money on your policy.

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