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Car Insurance In Ontario

Looking to get a car insurance quote in Ontario? Use to get multiple quotes without the need to call multiple insurance companies. GetInsuranceQuotes.ca simplifies the process of getting auto insurance quote by using the distributive power of the Internet to save you time and help you get the best value.

Save Time, Save Money

GetInsuranceQuotes.ca offers a unique service, whereby competing auto insurance brokers and agents in Ontario will compete for your business, allowing you to get the lowest quote within several minutes. Save time and money on your car insurance with our fast, friendly and highly competitive service.

Once you try it, we're sure you'll agree that GetInsuranceQuotes.ca really is the easiest way to get Ontario car insurance quotes.

The GetInsuranceQuotes.ca Advantage

When looking for a car insurance quote, you may not remember the exact date you had that accident, or even know right off the bat the exact date you got your driver's licence in Ontario. If you have doubts on the details of your driver profile, then any car insurance quote you get will not be accurate either.

Luckily, GetInsuranceQuotes.ca takes the guesswork out of getting an accurate auto insurance quote in Ontario. Instead of giving you a probable quote, the information you enter (even if it is a best-guess) is passed along to our network of car insurance brokers and agents whom will then verify your information. They'll call you with an accurate insurance quote matched to your particular needs after they have verified your driver details. Sit back and relax while a professional contacts you, or give them a ring if you wish. It's up to you!

Start saving time and money on your Ontario car insurance by entering your postal code at the top of this page.

There is a minimum amount of insurance required for Ontario residents. This minimal amount can vary based on many different factors, but for the most part it is there to protect the insurance customer from any sort of automobile accidents that the auto insurance customer may end up in. These insurance policies will ensure that you are able to purchase insurance at an affordable rate and enjoy all of the protections that insurance will provide.

According to the Insurance Bureau of Canada, there are 140 different private insurance companies, each which offer varying degrees of price, service, and coverage. These insurance companies are regulated by the Financial Services Commission of Ontario.

Information and Facts About The Car Insurance Industry

Many lament the high cost of automobile insurance in the Ontario area. Insurance is expensive for a variety of different reasons, but especially because of fraudulent claims and other forms of abuse. Catastrophic claims result in $2 billion in expenses per year, representing a major drain on capital for the insurance industry. Catastrophic claims grew by 28% and are the fastest growing claim category there is. There are also for-profit medical centers involved whom are earning profits off of the insurance industry. For-profit medical centers charge outrageous costs to the automobile insurance industry, so the industry has to compensate. These factors make it expensive for insurance companies to operate in the province of Ontario.

Insurance claims have risen because there have been more lawsuits. But, the insurance industry is working to contain the costs. A major misconception is that Ontario automobile insurance companies are earning massive profits off of their customers. Between the years 2007 and 2011, the insurance industry has seen major losses to it's business and these companies are having to compensate for the losses of nearly $1 billion per year during these years. This is a major reason why consumers have seen their insurance costs go up - lawsuits are an added expense for insurance companies which are quite substantial.

About Ontario, Canada

Ontario, Canada, represents one of the country's largest provinces and territories, and it also includes almost half of all Canadians as well. With a population of 13.5 million people as of 2012 and cover 415,600 square miles, that makes for an area complete with lots of different driving terrains as well as lots of different drivers as well.

The major population centers of the province include 10 different cities with Toronto being the largest as well as the capital of the province. Just below is Ottawa which represents the capital of the country. In 2011 these two cities alone included populations of 2.6 million and 815,000 people, respectively.

Overview of Ontario, Canada

About Ontario's Transportation

The Province relies on two specific east-west routes across Ontario for most of its heavy road transportation. The northern side goes along the Ottawa River westward. The southern route travels with the St. Lawrence River and eventually makes its way to Michigan in the south. Both routes are heavily dotted with cities and towns, making their regular daily traffic heavy near urban areas with both industrial commercial movements as well as private citizens commuting to and from work.

The main freeway routes are represented by the 400-series highways, and from these routes various roads and province highways spring out like root branches across Ontario, reaching access to the middle areas.

Based on data released in 2012, Ontario Province in 2010 had 4.3 fatalities for every 100,000 people. These stats equate to 580 vehicle-related deaths, approximately, per year. In addition, more than 477 injuries per 100,000 were realized as well, or 64,435 cases. Overall, in 2009, Ontario as a region realized over 708,000 accidents with vehicles, big and small, involving 1.3 million cars, trucks and carriers. Not surprisingly, motor vehicles are also one the largest contributors to causing teens between 15 and 21 to visit the emergency room as well.

Climate

The year-round climate of the Province is very seasonal, going from warm summers to very cold winters and everything in between. For drivers, this means they have to be ready to adjust as the seasons change for different driving conditions. Further, because of the size of the province, Ontario actually has three different climate zones to be aware of. Generally, the summers can be warm and humid while the winters can be fairly cold and frigid except near the Great Lakes to the south of the province. The lake water tends to release heat, which keeps the winters from being as harsh near the lake edges versus inland. Drivers are smart to keep a set of winter tires and regular road tires, switching them out as needed as the seasons change. Get more winter driving tips so you can stay safe on the roads during the winter season.

Economy

The economy of Ontario is primarily based on agriculture, manufacturing and mining, producing a gross domestic product of $597.2 billion CAD as of 2008. The largest portion of economic trade with the U.S. and the state of Michigan to the South, so there's lots of trucking on the province's highways on a daily basis. In the northern section, mining and forestry product heavy raw materials for manufacturing needs. As a result, these areas see lots of heavy equipment machinery use as well as heavy trucking moving supplies in and raw materials out, again creating a driving risk on the roads.

Ontario's agricultural industry is now limited more to the southern part of the Province versus previous decades. The number of family and stand-alone farms has steadily decreased and gone down, which has in turn reduced the amount of land used for farming. However, where farms are functioning, there is a larger and more frequent use of mechanical farming on and near the roads, which means adjacent traffic areas in these regions are frequented by large vehicles including trucks, trailers, tractors, wagons, haulers, dozers and more. Overall, 13.3 million acres of Ontario were in farming production as of 2006.

Ontario Auto Insurance Law

To be properly insured in the province of Ontario, you must have the following forms of coverage at all times: Third Party Liability, Property Damage, Accident Benefits, and Uninsured Motorist coverage.

Third Party Liability Coverage. In the event that a person is killed, injured, or suffers loss of or damage to property at your fault, this coverage will pay the costs of settling any claims filed against you. Such coverage only pays for claims up to the limit of your coverage.

Property Damage coverage would cover any repair costs to your vehicle as well as costs of repairing or replacing property inside the vehicle. This coverage only applies for situations where you are not the at-fault driver.

Accidents Benefits coverage provides for you and your family if you are killed or injured in an automobile accident. This coverage also may provide:

Uninsured Motorist coverage provides for you if you are in an automobile accident where an uninsured driver is identified as the at-fault driver at the scene.

You'll receive a Motor Vehicle Liability Insurance Card (also known as the "pink card") when you buy a car insurance policy. This card is proof that you the required auto insurance coverage and you should carry it with you at all times. You'll need to produce your "pink card" for the Ministry of Transportation when you first register your vehicle, and each year when you renew your license plate sticker. You will also need to produce your "pink card" if a police officer requests it.

For more information, please read Standard Auto Insurance Policy & Additional Coverages In Ontario.

Ontario's "No-Fault" Car Insurance System

The province of Ontario has a "No-Fault" car insurance system. Regardless of who is at-fault at the scene of the accident, both parties have to deal with their own insurance provider. In Ontario, you don't have to pursue the at-fault driver for direct compensation.

At the scene of a car accident, someone is always "at-fault" whether partly or fully. Using the Fault Determination Rules, it is required by law for insurance providers to assign the percentage of fault to each driver involved in the accident. This set of rules was regulated under the Insurance Act to help insurance providers deal with accident claims efficiently and economically. However, please note that The Fault Determination Rules are different from the charges set by the police under the Highway Traffic Act.

For more information, please read How No-Fault Insurance Affects Drivers.

Additional Resources & Advice

Looking for more information on how to save money on car insurance and insurance tips? We've prepared some guides to help you:

Ontario Car Insurance Guides

General Car Insurance Guides

Car Insurance

Visit our Insurance Tips & Information Centre for useful tips and advice on how to save on your car insurance.

Car Insurance Resources from the Government of Canada

The Government of Canada has many resources to help:

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