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Why compare your rate with Kanetix.ca?
We compare rates from over 50 insurance companies. With your details, we shop the market to help you find the lowest rate. No one else covers as much of the market as we do.
Comparing with us costs you nothing! Our service is absolutely free. There are no hidden costs or strings attached because we make our money from partners we work with, not you.
We find your lowest rate. Your quotes come straight from the insurance companies and are the same rates you would get if you called them directly.
What you see is what you get. The quotes come straight from the insurance providers, which means as long as your details stay the same, so should your rate.
We'll help you secure your rate. With our priority lines, you'll be able to secure your rate quickly. The insurance provider will verify* your information and check that all your insurance needs are met.
*Your motor vehicle record may be pulled to verify information.
Yes! The quotes you get at Kanetix.ca come straight from the insurance companies and are the same rates you would get if you called them directly; there is no better price to be had. But remember, the rates are only as accurate as the details you provide, so if any information changes once you're chatting with the insurance company, your rate may change too.
For example, if there's a ticket you forgot to include, or you decide to go with a different deductible, then your rate will likely change. The same is true too, if you choose not to bundle your home insurance but originally indicated it was something you'd consider doing. If you don't end up getting home insurance with the company you buy your auto insurance from, then you'll lose the multi-line discount that was originally applied to your auto insurance quote.
Once you get your quotes, call Kanetix.ca and we'll help you secure your rate. We'll connect you to the provider who offered you the best rate with our priority phone lines. With your permission, we'll also send your quote details to the insurance provider you've selected so you don't have to enter the same information twice. Then, once you are speaking with them, they will validate the information to ensure it is accurate and up-to-date, and your insurance needs are met.
Real rates for real customers.
Your top car insurance questions
Years of experience. To get the best vehicle insurance premium, you have to build a history that shows you are not a high-risk driver. This takes time. Young drivers typically start off by being listed as an occasional driver on their parent's vehicle to get those ever-valuable years of experience.
Your driving record. The number of years you've been licensed and whether or not you've had any convictions (traffic violations) or been involved in at-fault collisions. If you have a clean driving record, your premium will be lower than if you've had a conviction or accident.
The car you drive. Like drivers, vehicles are rated differently too. Insurance works this way because theft rates, vehicle safety ratings, and the historical repair costs for a vehicle can vary significantly.
If you're shopping for a car, you can easily compare quotes for multiple vehicles, side by side. It's never been easier to see how rates differ between vehicles.
The amount of time you spend on the road. The more time you spend on the road, the greater the chance you'll be in a collision. If you work close to home (or take public transit), chances are you'll pay a lower rate than someone who commutes an hour a day, each way.
Where you live and drive. If you live in a rural area, chances are you'll pay less than someone who lives and drives in a city where there are more drivers on the road, and the likelihood of getting into a collision is higher. Also, more vehicles tend to be stolen in urban areas.
While every province has compulsory minimums that you must have as part of your policy, there are also optional coverages and endorsements that you can add to your policy for a fee. A few of the more popular include:
- Collision coverage: This covers damage to your vehicle as a result of an impact or collision with another vehicle or object.
- Comprehensive coverage: This insures your car against damage caused by events like theft and vandalism.
- Loss of use: Let's say you have collision coverage, and you're in an accident. Loss of use will cover your transportation costs (like a rental car) while your vehicle is being repaired or replaced.
- Rental car: If you frequently rent cars, this endorsement will ensure that your rental has both collision and comprehensive coverage.
- Depreciation waiver: If you have a new car, this endorsement ensures you will receive the full value of your vehicle should it end up being considered a total loss.
Parts of your policy may have deductibles. A deductible is the portion of an insurance claim you agree to pay. Your insurance company covers the remaining cost. Your deductibles play a part in how your rates are calculated. Depending on how much financial responsibility you take on in the event of a claim, your rates will reflect your commitment. Take on more responsibility (i.e. increase your deductibles) and your rates will lower, take on less responsibility (i.e. decrease your deductibles) and your rates will increase.
Kanetix.ca has proudly served Canadians with over 7,000,000 competitive insurance quotes over the past 17 years.
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