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Get BEST Ontario Car Insurance Quotes

Speaking to an auto insurance broker is a great way to get the best coverage at the best price.We know Ontario drivers are tired of paying too much for car insurance. Finding affordable coverage doesn’t have to be difficult With over a decade of experience.Peter Mathai have been insuring drivers regardless of their insurance history. Call for an auto insurance quote today! Call Peter Mathai at 647-936-1524 or email peter@luckyinsurance.ca . We can give best rates and coverage's anywhere in Ontario

Comprehensive All other insured damage caused to your vehicle (except collision or upset)

The broadest level of coverage — combines Collision or Upset and Comprehensive coverage

Replacement value for total loss With Replacement Cost, get the replacement value of your car if it is lost due to theft or extreme damage.

Uninterrupted Driving Coverage With Grand Touring, travel worry free within Canada and the U.S. because you’re covered for rental car insurance.

Collision or Upset:Damage to your vehicle caused by a traffic collision with another vehicle or object.

Accident Forgiveness:With Accident Forgiveness, your car insurance rates won’t go up if you have an at-fault or partially-at-fault accident.

Car Insurance RATING FACTORS

Your car make, model, and year are taken into consideration when quoting you a price. The kind of car you have determines its value, safety features, and how much it would cost to repair damages.
How you drive your car in addition to the number of kilometers you drive every year, including daily commute and business use.
Your driving record, which includes things like the number of years you’ve all been licensed for, speeding tickets, and accidents.
The area in which you live affects premiums – whether it’s Toronto, Mississauga, or Bolton.
The coverage and add-ons you choose might cost more but can provide you with additional benefits that could save you money in the event of an accident.
We offer ways to save with preferred rates for professionals and alumni being one of the ways. Check out the section below for more information on how to save on your insurance.

We understand that you want to get the cheapest car insurance rates. Here are some great tips to help you get the lowest rates and save on Ontario auto insurance :

Talk to a broker : Insurance rates vary between providers. When you shop around, you’ll get different rates for the same car and driver. As an insurance expert I can help you quickly find and compare quotes based on your driving record, vehicle and coverage needs.
Compare Car Insurance Discounts : Car insurance providers offer many different discounts. Find an insurance expert who can compare multiple discounts at once to save you time and find the you the best savings.
Benefit From The Experience Of A Car Insurance Professional : Licenced professionals continually update their education and knowledge. They provide unbiased savings advice based on your situation. Get the clarity you’ve been looking for. Get your car insurance questions answered.
Stay Up-to-date With The Latest Car Insurance Industry News : Things change quickly in the insurance industry. Staying up-to-date allows you to make the best decisions. You’ll capitalize on new discounts, rate changes, and cost saving opportunities.
Be An Educated Car Insurance Consumer : Know what your policy means and the type coverage you need. If you are not sure about a specific insurance term, talk with your provider to get clarity. Never make assumptions about your coverage. You don’t want to be under insured
Focus On Value When Comparing Quotes : Price is important, but it’s not the only thing. When comparing policies, make sure you understand value – the level of coverage you will receive for your quoted car insurance rate.
Consider Insurance Factors Before You Buy A Car : The car you drive will impact your rates. Inquire about the insurance rates of vehicles you are considering before you make your final vehicle purchase decision. The vehicle you drive could impact your rates by hundreds of dollars.
Review Your Policy Each Year : A lot can change in a year. Review your policy each year prior to renewal. Does your coverage match your driving needs? Do you need to add or remove coverage types?
Pay Your Premiums In Advance : Pay your insurance premium in advance to avoid administrative fees. Some insurers offer a slight discount for paying in full.
Complete Driver Training : This is particularly important for new and young drivers. Completing driver training with an accredited driving school helps to lower your rates

What Does Your Ontario Car Insurance Policy Cover?

Ontario auto insurance policies have different levels of coverage. All drivers must have a minimum amount of coverage. It may not be enough to fully cover costs of an accident, injuries, and lawsuits. Car insurance policies cover the repair/replacement of your vehicle, medical costs, and liability.

Get the auto insurance policy that meets your unique driving needs. Choose from standard, optional, and enhanced coverage to customize your policy

In Ontario, there are four types of coverage required by law to be included in your policy. They are liability coverage, accident benefits, direct compensation property damage, and uninsured motorist. This applies to vehicles leased, financed or owned by the driver.

Third Party Liability

All drivers must have a minimum of $200,000 in third party liability coverage. This coverage protects you in the event you cause damage or injure someone. You can increase your coverage amount for added protection.

Statutory Accident Benefits

Drivers get certain medical benefits and other expenses if injured or killed in an auto accident. You can purchase additional coverage for most accident benefits.

Here is the minimum coverage included in a standard auto insurance policy :

Medical payments : Up to $65,000 for non-catastrophic injuries or up to $1 million for catastrophic injuries.
Funeral expenses : Up to $6,000.
Disability income benefits : $185/week for 104 weeks.
Death benefits : Minimum of $25,000 to spouse and $10,000 to dependants.
Income replacement: 70% of gross wages. Maximum of $400 per week.

Direct Compensation Property Damage (DCPD)

This covers damage to your vehicle in accidents where you are not at fault. For this coverage to take effect, the accident must occur in Ontario and must involve another insured vehicle.

Uninsured Automobile

This provides coverage in the event of injury or death by an uninsured driver. It also applies if you’re involved in a hit and run.

Enhanced Coverage And Endorsements

What is enhanced car insurance coverage in Ontario?

You have insurance options. Choose from a variety of policy options to get more coverage above and beyond the minimum :

Accident Forgiveness

Your rates will not increase if you have you first at fault accident.

Rental Car Insurance

Ensure you are covered when you drive a rental car.

Roadside assistance

Get access to roadside assistance through your insurer.

Coverage For Business Use

Get commercial auto insurance coverage if you use your vehicle for business purposes.

Disappearing Deductible

Your deductible will decrease each year you don’t make a claim.

Replacement Value

Get coverage for the actual amount of money it will cost to replace your car

Optional Car Insurance

What is optional car insurance coverage in Ontario?

Ontario drivers can add extra coverage that is above and beyond the minimum insurance. Optional coverage includes :

Comprehensive Coverage

Comprehensive insurance coverage provides you with protection for vehicle damage by weather events, theft, vandalism, fire, earthquake, and falling objects.

Collision Or Upset

Collision insurance coverage protects against damage from a collision by another car or object. This coverage applies to most types of accidents. This includes hit and runs and if you hit stationary objects such as a street sign.

Specified Perils

Specified perils protects against pre-defined risks outlined in your policy. Specified perils can include theft, fire, wind, hail, water, and other types of damage. You have coverage for the perils listed in your policy only

Do you have the right amount of coverage? You could be under or over insured. Get your car insurance needs assessed by a ThinkInsure car insurance expert to ensure you are getting the coverage you need.

Learn about coverage options and adjust your policy to serve your specific driving needs. You will also be able to compare quotes and find new savings

Reviews From Our Happy CLIENTS

Solomon Moses,Mississauga

Peter is a very Meticulous and dedicated professional, Well-organized with great attention to detail aimed at executing client requirements and has excellent business acumen with great enterprising capabilities and have found him greatly convincing in his approach.

Randy Tran, Toronto

Highly recommend Peter for best price for all insurance needs.Great service, best rates, and quick response.