Use our car insurance calculator to save money by finding great rates from the leading insurance companies in Ontario. It's quick and easy to use and there is no obligation. It will help you find better coverage and premiums.
We know you value your time and don’t want to spend hours looking for good prices. So try our calculator to 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 prices from multiple insurers to help you save on coverage.
So why should you use a car insurance calculator?
Using a our Ontario auto insurance rate calculator is easy! Just complete a few simple steps and it only takes minutes to complete and get estimates from multiple car insurance companies.
Enter some basic personal and contact information.
Tell us about the vehicle your and your driving history.
You can find rates from the top insurers.
Select the policy with the lowest price.Get Quotes
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I was looking for insurance for my business and I had initially gone to my previous insurer (where my policy expired), but didn't get any response from them for my questions. When I approached ThinkInsure, I was provided a very good service by Sandy. Even though my questions might have been simple and straight forward, Sandy took time to answer them and get back to me in time. I'm very happy with the service provided by Sandy and would definitely recommend her to my colleagues. Great job Sandy.
I had the most amazing experience getting fast and easy car insurance for a vehicle I had just financed.I spoke with the most wonderful lady named Amneet Bal based out of Markham Ontario.I had had a prior cancellation due to hard times and she said so professionally calm"don't worry,don't stress,I got this for you".Immediately I felt a sense of warmth and relief because I knew I was in good hands and in the right hands.She worked swiftly and without hesitation gathering all of my information without missing any important detail and within minutes I had 4 or 5 positive offers for me to choose from that fit my budget and that I was comfortable with.Within hours I had all the documents needed sighned,produced the funds and in no time I had proof of insurance for the dealership.I can't thank her enough for calming my nerves and speaking with me as if we were old friends in highschool.Thank-you Amneet and Thank-you Thinkinsure. James,
Rafael Torres made my experience of getting car insurance an absolute breeze. He was super patient and understanding as this was my first time getting car insurance on my own. He answered all of my questions, and explained every detail. He got everything all set up so quickly and efficiently. I would 100% recommend Rafael Torres to friends and family if they are looking for an insurance broker. Thank you sooooo much Rafael ! 😊
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 for the questions needed in the calculation :
Consider all the variables when choosing your car insurance to make sure you are getting good value.
Insurance companies use many factors to calculate auto premiums across Ontario. Here are some of the key factors :
Driving experience is a key factor. Experienced drivers are less likely to get into accidents compared to novice drivers. How long have you been driving? What level of graduated licence do you have?
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 in accidents and get tickets. Studies show that women are less likely to be in accidents.
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.
What vehicle do you drive – SUV or a sedan? How old is your car? Is it a common target for thieves? Does it have a good safety rating? The car you drive, its MSRP, vehicle features, repairs, and vehicle type can make a big difference.
Do you use your car 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 low kilometer discount.
Insurers consider :
Location, location, location. It can matter just as much for insurance as it does for real estate. An insurance company will consider where you live. If your neighbourhood has higher statistics for car theft and accidents, your rates will reflect the higher risk. City, neighborhood, and even postal code matter.
More coverage will increase costs. It will also provide you with greater protection. Adjusting your deductible amount for collision insurance or comprehensive insurance will impact costs. As a general rule, increasing your deductible will lower your premiums.
Your history as an insured driver matters. Gaps in coverage, payment issues, or too many claims will impact your ability to get coverage. It will also increase your costs.
Here are the factors Ontario insurance providers cannot use when calculating your rates :
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 estimate.
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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