Auto Insurance Toronto
Toronto can be a tough city to drive in. When you live in such a densely-populated area, you need to keep your wits about you on the road. Practicing good driving habits will keep your family safe and your car insurance premiums low.
When you need a new insurance provider, the process can be overwhelming. Comparing car insurance quotes takes up a lot of time, and you might not know what kind of coverage you need. Don’t worry: Westland Insurance has you covered.
Our expert advisors are here to help you find cheap car insurance. We’ll compare Toronto car insurance quotes to get you the best rates. Whenever you need to make a claim, customize your coverage, or ask a question, we’re here for you. Find the coverage you need at a price you can afford with Westland Insurance.
What coverage do you need in Toronto? The four types of mandatory coverage include:
With this coverage, those injured in an accident will be reimbursed for the associated costs regardless of who is at fault or how it happened. It includes coverage for income replacement, caregivers, death benefits, rehabilitation expenses, and medical expenses.
Accident benefits apply to drivers, passengers, or pedestrians. Minor injury coverage is limited to $3,500; for catastrophic injuries, there are different levels of accident benefits insurance.
If you’re involved in an at-fault accident, you will be responsible for paying the damages to other people or property. This insurance will help you cover the costs of those payments.
In these circumstances, those affected by the accident may file a lawsuit against you. Third-party liability insurance will cover the legal fees, including money to settle the lawsuit, up to the limit specified in your policy.
In accidents where another driver is at fault, this policy will pay for the damages and loss of use. With direct compensation coverage, your own insurance company will reimburse you for the claims.
Even though insurance is mandatory, not all Toronto drivers have it. If your vehicle is damaged in a hit-and-run or an accident where an uninsured driver is at fault, this policy will cover damage and medical costs.
You can purchase physical damage coverage for your vehicle to cover additional perils. Options include:
This covers the costs of damage caused by impacts with vehicles, roadways, or buildings.
Get insurance for losses specified in this policy, which include fire and theft. It also covers you for vandalism, flying/falling objects, riots, and windstorms.
For all-inclusive coverage, choose all perils insurance; it provides collision and comprehensive coverage.
This policy offers protection for damages not covered by collision insurance.
For extra protection, you can choose from any of these Toronto auto insurance policy add-ons:
You’ll get reimbursed for the cost of renting a vehicle while yours is being repaired (as long as the damage was caused by an insured peril).
Depreciation is not usually applied in a loss unless you have this coverage; if you lease or own a new vehicle, you may want to consider this insurance add-on.
Protect yourself and your family with this insurance coverage, which is designed to cover you in case the at-fault driver has inadequate insurance (or is unidentified).
Rental car insurance is essential when you’re renting or borrowing a vehicle. This insurance policy will provide you with liability, accident benefits, direct compensation, and uninsured automobile coverage.
Protect your driving record and rating after your first at-fault accident. Your insurance premiums will not increase as long as you remain with the same car insurance company.
Personal Auto Insurance Discounts
Looking to save money on car insurance in Toronto? Many insurance companies offer discounts for the following:
- Mature customers
- Winter tires
- Additional security measures (dashboard cameras, anti-theft devices)
- Bundling your auto and home insurance
Auto Insurance FAQ
If you want to avoid paying the highest auto insurance premiums, be sure to maintain a clean driving record.
At Westland Insurance, we can provide you with a quote in just a few minutes. We just need your basic information, including your contact details, insurance history, and licence.
To get a personalized car insurance quote, contact us today! Our insurance brokers will be happy to help.
Have you received any traffic or speeding tickets within the past few months? If so, your car insurance rates will increase.
If you spend a lot of time driving in Toronto, you’re at a greater risk of being in an accident. Be sure to accurately report your vehicle usage so that your insurance premiums reflect your driving time.
Adding your spouse to your insurance policy may affect your car insurance rates; however, it will ensure that your family is protected in the event of an accident. If your spouse drives your vehicle often, we recommend adding them as a secondary driver.
Yes, you can (and should) insure your vehicle even without a full licence.
Your rates are determined by a combination of factors. They include:
- Location. Certain areas of the city have higher rates of accidents, fires, and theft. Depending on where you drive most frequently, your rates will fluctuate.
- Driving history/claim history. Each time you make an insurance claim or receive a traffic ticket, your insurance costs will increase.
- Use of vehicle. Do you drive your vehicle every day or just once a week? Your vehicle usage will affect your premiums.
Yes, all drivers in Toronto are required to purchase the four mandatory types of auto insurance.
Each year that passes without a driving record incident, let your insurance company know; they can adjust your rates to reflect your record.
Are your auto insurance rates increasing year after year? It might be time to switch car insurance companies. At Westland Insurance, we can help with that; give us a call to learn more.
Top Collision Locations in Toronto To Watch Out For
Toronto is a city with a lot of traffic. At these intersections, be sure to drive carefully:
- McCowan Road & Lawrence Avenue East
- York Street & Lakeshore Boulevard West
- Kingston Road, Port Union Road & Sheppard Avenue East
- Martin Grove Road & Dixon Road
Request an Auto Insurance Quote in Toronto Today
At Westland Insurance, we compare car insurance quotes from auto insurance companies across the province. Our services are available in the following locations: