Where can I find the best Canadian auto insurance companies?
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UPDATED: Oct 14, 2021
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If you’re in need of car insurance in Canada, you can find the best Canadian car insurance companies through an online search, talking to a local broker, or even asking your friends and relatives. First, it would probably be a good idea to know what’s required of you according to local and provincial law.
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Like the United States, every Canadian province and territory requires drivers to carry a minimum of liability insurance. The exact amounts will be different depending on the province where you live. You will also most likely need to add extra coverage to pay for damage to your vehicle if you have an outstanding loan on it.
In Canada, liability insurance is similar to that in the United States in some ways, different others. For example, according to the Insurance Bureau of Canada the provincial government of Ontario recently revised the minimum requirements for drivers there, to the extent that a standard policy now must cover medical rehabilitation and attendant care costs for victims of accidents up to $1 million. There are other things required in Canadian liability policies that are not required in the States.
Starting the Process
To find the best Canadian car insurance companies you might want to start by asking your friends and relatives whom they use. There are dozens of insurance companies all across Canada including some of the big names we would recognize here in America. But understand that not all companies do business in all provinces or territories.
Furthermore, a company active in Ontario may not necessarily offer car insurance throughout the entire province. Some of this disparity may be due to the size of the insurance companies themselves, while other times it might be due to regulatory differences.
By talking to your friends and relatives you will be able to get a good idea of not only how they feel about their insurance, but also which companies are offering policies where you live.
Friends and family are also a good source of information about car insurance claims service, customer service, and overall price. If you find a relative who absolutely raves about his insurance company, that might be one you need to put at the top of your list.
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Searching for Car Insurance Online
In the digital age, one of the more popular ways to find Canadian car insurance companies is to use a website that allows you to search using your zip code. Websites like this collect your information and then do one of two things with it.
The first option is for the website to submit it to multiple insurance companies who will then contact you with a couple of baseline quotes. The other method is for the website to scour a database and display approximate quotes from the top five or six insurance companies in your area. You would then directly contact the ones you like best.
The advantage of using the online method is the fact that it allows you to enter your information once rather than having to speak with half a dozen representatives over the phone. However, keep in mind that whatever insurance company you choose you’ll ultimately have to talk to representative. That person will need to verify information about your driving record, your vehicle, and so on.
Using a Local Insurance Broker
Your third option for finding the best Canadian car insurance companies is to call a local insurance broker in your town. According to Service Canada, there were more than 17,000 local insurance brokers working across the country between the years 2007 and 2009. With that many available, it shouldn’t be hard to find one close to where you live.
Be aware that not all insurance brokers deal with car insurance.
The benefit of using a broker comes by way of his or her experience in the insurance industry. The broker typically has several companies from which to choose in order to find you the best deal possible. That broker will also know how to best tailor a policy to meet your needs so that you’re not getting too much, or too little, coverage. Lastly, the broker often can act as a middleman between you and your insurance company should you need to make a claim.
Now that you know how to find the best Canadian car insurance companies, it’s simply a matter of getting started. The sooner you do, the sooner you’ll be on your way to finding an affordable car insurance policy.
Whenever you’re ready to start looking for car insurance, simply enter your ZIP code into our FREE search tool!