Liability, collision, comprehensive, plus all the optional endorsements that actually matter. We compare across carriers and apply every legitimate discount.
Mandatory in every province. Pays for damage and injury you cause to others. Most provinces require $200K minimum; we recommend $1M–$2M because lawsuits don't cap at the minimum.
Pays to repair your vehicle after a collision regardless of fault. Optional but typically required by lenders/leases. Choose a deductible ($500/$1,000/$2,500), higher deductible = lower premium.
Covers theft, vandalism, hail, fire, falling objects, wildlife collisions, glass breakage. Optional but cheap relative to the loss it covers.
The default accident-benefits limits in most provinces are low. Topping up to $1M medical/rehab and $1,000/week income replacement closes a serious gap for a small premium.
Cover when you drive a rental or borrowed car. Cheaper than buying it at the rental counter and applies to every rental for the year.
Pays for a new vehicle if yours is written off within the first 24–48 months. Especially valuable if you bought rather than leased.
Pays for a rental while your vehicle is being repaired or replaced. Capped at $50–$75/day for 30 days, typically.
Bundle auto + home / tenant for typically 5–15% off both.
Insurers like Intact, Aviva, and CAA offer 5–25% savings for safer drivers willing to share telematics data.
Mandatory 5%+ discount in Ontario for verified winter tires Nov 1 – Apr 1.
Approved tracking devices (Tag, LoJack) can yield 5–25% comprehensive discount.
Alumni, professional, and union groups often unlock 5–15% discounts.
5+ years claim-free typically earns the lowest tier. Some carriers offer accident forgiveness.
| Profile | Liability + collision + comp | With multi-line bundle |
|---|---|---|
| 35-year-old, clean record, sedan, GTA suburb | $1,680–$2,250 | $1,485–$1,985 |
| 45-year-old, clean record, SUV, downtown Toronto | $2,150–$2,950 | $1,925–$2,650 |
| 22-year-old, G2, sedan, GTA suburb | $3,850–$5,650 | $3,485–$5,150 |
| 55-year-old, clean record, SUV, Ottawa | $1,485–$1,985 | $1,325–$1,785 |
Sample ranges for Ontario private-insurance markets. Real premiums vary materially with driving record, postal code, vehicle, distance driven, marital status, credit-based insurance score (where permitted), and carrier.
We pull multi-carrier quotes, apply all eligible discounts, and explain what each endorsement actually buys you.