Find the best rates by comparing insurance quotes from Canada's top providers for your car, home, and business. One place to compare, get advice, and save on your insurance.
Talk to a licensed advisor
1-855-550-5515
Years experience
Proudly Canadian
Licensed advisors
Private & secure
ThinkInsure helps Canadians compare insurance quotes and buy coverage for personal and business insurance. One team to help with all your insurance needs. Whether you want a quote on your first car, a renewal on the family home, or coverage for a growing business, we can help.
We even offer specialty policies for motorcycles, classic cars, or rental properties, and much more. Compare options across Canada's top insurance companies and get a policy that fits your lifestyle.
Comparing insurance quotes through ThinkInsure is quick, free, and obligation-free. Start a quote online or call us. A licensed advisor will compare your options and walk you through your coverage in plain language. No jargon or hard to understand terminology.
ThinkInsure has you covered for all types of insurance in Canada. Compare insurance quotes for your home, auto, and business across Canada’s top companies, and get the right coverage at a competitive rate.
Coverage for cars, trucks, and everyday drivers across Canada. Premiums and coverage vary significantly by province, vehicle, and driving history. Comparing quotes from multiple insurers is the single biggest lever for saving on car insurance.
We compare car insurance quotes from Canada's top auto insurers. We identify every discount you qualify for and offer specialty policies for unique coverage needs.
Learn more about car insurance in Canada
Protection for homeowners, condo owners, renters, and seasonal property owners. Home insurance varies by property type, location, and coverage level.
We compare rates and plans across multiple companies and match coverage to your lifestyle. We also offer tenant insurance, condo insurance, and seasonal/cottage policies.
Learn more about home insurance.
Commercial coverage for small businesses, contractors, and growing companies. Business insurance is where expert guidance matters most. Coverage gaps can cost a business everything, and direct insurers rarely flag them.
Get a business insurance quote for general liability, commercial property, commercial auto, professional liability, and cyber, and specialty lines with carriers that underwrite your specific industry.
Learn more about business insurance in Canada.
Start a quote online or call us. It takes a couple of minutes. We'll ask for the information carriers need to accurately price your coverage. This includes vehicle details for auto, property details for a home, or business specifics for commercial.
We will shop the market across every carrier we represent. We identify the discounts you qualify for and compare coverage options to find you the lowest rates for your insurance policy.
We walk you through your top options in plain language. Once you've made a choice, we bind the coverage and manage the paperwork for your insurance policy.
When your renewal shows up, we re-shop to make sure you're still with the best carrier. If something changes, such as a new car, a new address, or a new business line, one call updates every policy. If you have a claim, your advisor advocates for you.
When you shop for insurance in Canada, you have four options available. They are not the same. Here is how they compare:
| Option | What you get |
|---|---|
|
Insurance broker (ThinkInsure) |
Compare insurance quotes from Canada’s top providers, RIBO & AIC licensed professional advice, claims advocacy, and every discount you qualify for. Compare, buy and get insurance help all in one place. |
| Direct insurer | One price from one company. Convenient, but no comparison and no independent advice on coverage gaps. |
| Insurance agent | Tied to a single insurance company. If that company’s rates rise at renewal, they cannot move you to a cheaper company. |
| Online aggregator | Price estimates from multiple companies. Useful for a quick look. Aggregators are lead-generation platforms, not licensed advisors. They do not place coverage, do not provide professional advice, and do not advocate for you at claim time. |
We have been insuring Canadians for over 50 years.
Get expert insurance advice from our team of licensed advisors.
Compare insurance rates and coverage options from 50+ partners.
Get exceptional customer service. We like happy customers and have a 4.7/5 Google rating.
Compare quotes from Canada's top car insurance companies. Coverage for everyday drivers across Canada, with deep specialization in Ontario.
Ontario-specific car insurance with full coverage for the province's mandatory and optional coverages, including the July 2026 accident benefits changes.
Coverage for drivers with tickets, accidents, suspensions, or claims. We place high-risk policies that direct insurers won't quote.
Bundling auto and home with the same insurer is one of the largest discounts available. Drivers typically save 10% to 15% off both policies.
Motorcycle, classic car, RV, ATV, snowmobile, and antique vehicle policies. Specialty markets only are placed with carriers that underwrite these risks.
Property and liability coverage for homeowners across Canada. Compare quotes across multiple insurers.
Coverage for condo owners, including unit improvements, contents, liability, and loss assessment.
Renters insurance for apartments, houses, and student rentals. Most landlords now require proof of coverage before signing a lease.
Coverage for seasonal homes, cottages, and secondary properties, including coverage gaps that standard home policies omit.
Coverage for rental properties. This is different from a standard home policy and is required by most mortgage lenders on rental properties.
Coverage for small businesses, contractors, and growing companies. Multi-line packages and standalone coverages are available.
Ontario-specific small business coverage. We offer popular package policies for retail, trades, professional services, and home-based businesses.
Property, general liability, and commercial package coverages. This is the foundation of most business insurance programs.
Coverage for company vehicles, fleets, and commercial-use vehicles.
Professional liability (errors and omissions), cyber liability, contractor coverage, and industry-specific specialty lines.
Term life, permanent life, and group life insurance. These are placed in partnership with licensed life insurance specialists.
Coverage for trips outside Canada, including emergency medical, trip cancellation, and trip interruption.
Boat insurance, watercraft, antique and collectible coverage, event coverage, and other specialty placements.
Celeste Raymond
2026-08-04 09:10:34
★★★★★
The insurance broker who supported me was Dylan Smith. Dylan was very knowledgeable, patient, friendly and professional. He took his time walking me through several different options, answered all my questions and made sure that I left the conversation feeling supported and that I left with the right insurance plan to meet my needs. This was truly one of the best customer service experiences I’ve had!
Paula Souza Realtor
2026-07-29 15:53:22
★★★★★
Working with Betsy Bannon was a great experience. She made the process of getting our commercial auto insurance simple and stress-free. She kept us informed every step of the way, responded promptly, and was always friendly and professional. I really appreciated how smoothly everything went and would definitely recommend her.
Nate Smith
2026-07-29 15:45:25
★★★★★
Had a great experience working with Betsy Bannon. She was easy to deal with, answered my questions, and got our commercial auto insurance set up much faster than I expected.
Nate Smith
2026-07-29 15:44:40
★★★★★
Betsy Bannon made the whole process of getting our commercial auto insurance set up really easy. She was friendly, quick to respond, and got everything taken care of without any hassle. Really appreciated all the help.
Accounting Infinite Mechanical Solutions
2026-07-29 15:43:38
★★★★★
Betsy Bannon was a huge help in getting our commercial auto insurance set up! she was super pleasant to deal with, and she was very fast
Michele Jaques
2026-07-22 22:22:43
★★★★★
Patrick worked diligently in insuring that our businness is sufficiently covered given changes to tenants, tyope of business and up grades. He is very conscientious and work collaboratively to build good a good working relationship. Thank you agaib Patrick for all your efforts.
Stephen Johnston
2026-07-09 02:00:38
★★★★★
I contacted ThinkInsure sure for last minute insurance for my house while I was renovating. My sales broker was Dylan Smith, and he was excellent. He was extremely communicative and proactive and talked me through all the steps of applying for my insurance policy. Because it was somewhat last minute, he also bent over backwards and communicated with the insurance company to make sure I got my insurance effective on the day I needed it. I couldn’t have experienced better service.
Steven Liao
2026-07-08 03:49:25
★★★★★
I have been getting parent super visa insurance from Think Insurance for past 2 years. Parminder helped us in getting the coverage needed and everything had been smooth.
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.
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, up to your policy limits. How much you pay and the types of threats you 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. You need car insurance in Toronto, Vancouver, Calgary, and any other city you call home.
Home insurance is not mandatory, but if you have a mortgage, the lender will require coverage.
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.
The concept of insurance is simple. You make payments in exchange for financial protection against certain risks and threats. You pay an insurer, 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 plan and other details in your insurance contract.
However, how insurance works can differ slightly based on where you live. For example, the rules for car insurance in Ontario are different from those in other provinces. The same is true for home insurance in Ontario. All types of policies have unique distinctions that make them slightly different depending on the province and insurer.
Everyone is inherently exposed to some 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:
Yes. The insurance industry is regulated at the federal and provincial levels. Rules and regulations vary based on where you are in the country, including minimum and mandatory coverage 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 the Alberta Automobile Insurance Rate Board (AIRB).
You can get an insurance quote online or by phone in a few minutes. Tell us what you need to protect, whether that is your car, home, business, or a specialty policy, and a licensed advisor compares quotes from our insurance partners. There is no cost and no obligation to buy.
Start with car insurance quotes, home insurance quotes, or business insurance quotes, or call us and one team handles all of it.
Yes. Insurance quotes through ThinkInsure are completely free, and there is no obligation to buy. You can compare your options, ask questions, and take the information with you. We only place coverage once you decide it is the right fit for your situation.
Insurance quotes vary because each company weighs risk differently and prices the same coverage in its own way. That is why comparing matters. As a licensed brokerage, ThinkInsure shops your coverage across our insurance partners so you can see competing quotes side by side and get the right protection at a competitive rate.
Our team of RIBO and AIC licensed advisors have got you covered for finding the best insurance rates and coverage. Get non-biased insurance advice, personalized coverage and the lowest rates with a ThinkInsure insurance expert.
Our advisors will ensure you have proper coverage for your unique personal or business needs.
We will instantly compare quotes and discounts from our large selection of 50+ insurance providers to find you the lowest rate.
Choose the provider that offers the best coverage and rate for your needs. We can often get you insured with a new policy on the same day.
Call us if you have complex coverage needs, need to renew today or have any insurance questions.
I start by understanding what you need to protect, then shop and compare across our insurance partners to get you the right coverage at the best rate, personalized to your situation.
Wasim Khan
Insurance Broker (RIBO)
Monday-Friday: 8am-6pm
Content Marketing Manager
Nolan is a content marketing manager and writer at ThinkInsure. He has 15+ years of experience in the insurance industry, working with brokerages and direct insurers to create compelling insurance content, specializing in auto, home, and commercial.
Read our insurance blog to get helpful tips, information and news.
Learn how car insurance deductibles work in Ontario. Discover how choosing a $500 vs. $1000 deductible impacts your auto insurance premiums and claim payouts.
The Statutory Accident Benefits Schedule in Ontario ensures certain benefits are available to any person injured in a car accident. In this blog, we’ll discuss what the statutory accident benefits schedule is and the role it plays in insurance and accident benefits claims.
Accumulated a few demerit points on your driving record? Here are some of the most common questions about demerit points in Ontario, how the demerit points system works, and if they can impact insurance.
There are situations where you will want or be required to have additional insurance, often in the form of optional enhancements called the Ontario Policy Change Form (OPCF).
