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Your Essential Car Insurance Guide

Easily and quickly save on your car insurance by comparison shopping at Kanetix.ca.

Car insurance is one of those things that everyone needs and everyone wants to pay less for and the single most effective way to do this is to shop around. Car insurance rates often change, and the insurance provider who gave you the best rate in the past, may no longer offer you the best rate today.

Kanetix.ca shops the market for you. No one else covers as much of the market as we do, and we make it quicker and easier for you to get quotes and your coverage from the top providers all in one place. Compare car insurance quotes today for a better price.

Save today and get quotes for: Alberta car insurance, Ontario, Quebec, New Brunswick, Nova Scotia and PEI.

Car Insurance in Canada

No matter where you live in Canada, you must have auto insurance, and even though each province and territory establishes their own required minimum insurance coverages, there are many similarities across Canada about Canadian car insurance in general:

Insurance for new drivers will likely be expensive. To get the best car 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 will affect your car insurance premium. Your driving record is based on 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. It pays to have a clean driving record.

The type of car you drive will affect your car insurance premium. 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.

How often and how far you drive factors into your auto insurance rate. 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 less for your car insurance than someone who commutes an hour a day, each way.

Where you live affects how much you pay in insurance. Where you live and drive is one of the factors in determining your car insurance rate. 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.

See how neighbourhoods differ. The Kanetix.ca Insuramap tool shows you what a typical car insurance rate is where you live and in the vicinity around you.

Optional coverages and endorsements are available. 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.

Deductibles

Parts of your insurance 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 auto insurance 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.

Shopping around can save you money

Compare rates regularly to ensure you're not overpaying for your coverage. At minimum you should compare rates annually at renewal, but you should also shop around when: you get married, move, buy a new car, add drivers to your policy (like your teen), get a ticket, are involved in a collision, change jobs or retire. These are all times when you should be shopping around to see if there's a cheaper car insurance rate available.


Featured video

Every season, no matter the season, has its own set of driving hazards. Whether it's spring, summer, fall or winter, these driving tips will help you get to where you want to go, safely.

Spring may be in the air, but there are often storms that are reminiscent of winter. Check out the 'Snow, Ice and Winter Storms' section for in-depth coverage in how to drive in winter weather, plus:

Day or night turn on your headlights. Spring temperatures can change in the blink of an eye resulting in misty, foggy conditions that can reduce your visibility. And while foggy conditions are common in spring, so too is the occasional spring blizzard; don't be too quick to ditch the winter car safety kit in your car, or switch from your winter tires to your summer set.

April showers, may bring May flowers, but it also often brings wet slippery roads. Drive to the conditions and you'll get to where you want to go safely. As you would in winter, slow down and leave extra distance between your vehicle and the one ahead of you. It takes longer to stop when conditions are wet and slippery. Also, where possible, drive in the middle lanes; water tends to pool in the curb lanes and could lead to hydroplaning.

Foul weather isn't the only factor to watch for; warm weather means there will be more motorcyclists, cyclists and pedestrians out and about. Watch for pedestrians and share the road with all users.

Lastly, your car has been through a lot in the winter and is probably in need of some attention. Take it in for a spring tune up to your risk of driving problems this spring.

After a long bitter winter and a slow wet spring, you may be ready to hit the road again, but be careful: according to the Canada Safety Council, more fatalities occur on Canadian roads during the summer months than at any other time of year. Whether you're heading out for the day, going to the cottage or taking a road trip with the family, remember to put safety first.

You'd think that summer driving would be the safest, when in fact the reverse is true. Summer brings increased traffic to the roads and highways. With more drivers on the road, construction, motorcyclists, cyclists, and pedestrians to watch for, don't let the clear weather fool you into thinking that summer driving is easy driving.

Stay safer this summer and: don't drink and drive; always wear your seatbelt; don't drive when fatigued; and tune out the distractions.

The dog days of summer are over, and there's a chill in the air. Weather conditions in the fall, like spring, can be unpredictable. A warm, sunny day can turn dark, cold and rainy in no time. Mist and fog can reduce your visibility, and the first snow of the winter isn't unlikely. Give yourself plenty of space between you and the cars around you and remember to drive to the conditions.

The leaves may be changing colour and are beautiful to admire, but keep your eyes on the road and your attention focused. Fall brings the first frost of the season so beware of slippery conditions. And, if the temperature is hovering around freezing, then approach bridges and overpasses with caution as these tend to ice up quicker than the road.

When the leaves fall remember that they are a hazard on their own; they can hide potholes or other road hazards, and when they're wet, can be as slippery as any ice-covered road.

Ice is a major concern for anyone driving in extreme cold weather conditions. Not only does it create a smooth surfacing that can lead to sliding and loss of vehicular control, but it can also be difficult to detect. When faced with this type of road condition, drive carefully and reduce your speed and allow as much as three car lengths more than normal between yourself and the car ahead of you.

In general, drive slowly and refrain from stepping too heavily on the brakes to avoid skidding. Watch out in particular for black ice. In areas that experience extremely cold weather, melted snow and puddles of water can quickly freeze, particularly when in the shade or on a bridge or overpass. It is called black ice because it can be nearly impossible to see until you're upon it.

Heavy snow creates a driving situation that is a mixed bag of dangerous driving conditions. It diminishes your ability to see, and creates slippery road conditions. At the beginning of snow season, invest in winter or snow tires. This will give the best traction possible for the conditions.

During heavy snowfall, it is safest to avoid driving. If staying off the road is not an option, first clear the car's windows of snow and ice to improve visibility. As with driving in icy conditions, it is important that the distance between cars is at least three car lengths more than normal. When other cars follow too closely, allowed them to pass.

Sleet and freezing rain can affect a your ability to safely manoeuvre your vehicle, and often officials will advise you to avoid driving under these conditions. When driving in these conditions is absolutely necessary, follow safe driving protocols: reduce speed and allow more following distance. Drivers often encounter freezing rain and sleet on bridges and overpasses first and should always exercise extreme caution when driving across them.

If you become stranded during winter storm conditions such as a blizzard, remain in the vehicle until help arrives. To make the car more visible, a brightly coloured ribbon, piece of cloth or towel should be tied to an antenna or outside mirror. An emergency kit that contains water, blankets, rope, a flashlight, and non-perishable foods should be kept in the car for emergencies. Use the additional clothing and blankets to keep warm. If there are no blankets in the car use items such as floor mats or even the seat covers to help keep warm. The car's heater may be used, but it should only be run for ten minutes every hour. When running the heater, keep a window slightly open to help with ventilation. Additionally, the vehicle's exhaust pipe should be kept clear to prevent poisonous gases from entering the car.

Whether it is freezing rain or blizzard-like snowfall, it is important that people drive safely when getting behind the wheel. While it is often best to stay indoors during extreme weather conditions, knowing how to drive for the specific condition goes a long way in keeping one safe while on the road.

The Kanetix Car Insurance Quick Quote App

Buying a car? Quickly compare how much it costs to insure 1, 2, 3 or more cars in a matter of seconds right from your iPhone or Android Smartphone. In one simple step get up to 3 car insurance estimates:

  • Save on your auto insurance; the Quick Quote will tell you which cars cost more to insure and which cost less!
  • Use the VIN scanner to read the bar codes on your car to quickly load in necessary details for a quote
  • Rates ranked low, medium and high for easy comparison
  • One tap to connect to Kanetix
  • Save quote details right to your smartphone device
  • Get renewal reminders delivered directly to your phone
Download the FREE Kanetix Comparison App for your iPhone or Android Smartphone!

Download the App

What's in it for you?

A first of its kind in Canada, The Kanetix Car Insurance Quick Quote app makes buying a car easier than ever. Knowing how much a vehicle could end up costing to insure prior to buying or leasing could sway your decision and save you thousands of dollars in the process.

Of course, the app isn't only for those purchasing new rides! Off the assembly line or used, the Kanetix Car Insurance Quick Quote can help you compare rates in no time:

  • Tell us about yourself and use the app's VIN scanner to tell us about your vehicle with ease
  • Compare rates that are ranked low, medium or high for easy evaluation
  • One tap to connect to Kanetix

Finding the best deal on your car insurance is no longer a matter of waiting until you have access to a desktop or lap top - all you need is your phone! With the free to download Kanetix Car Insurance Quick Quote app, you can compare the rates of many of Canada's top insurance providers simply by scanning your ride's VIN, or selecting it from our easy drop-down format.

How do I get it?

Downloading the free app is as simple as a click of a button.

You can also search for "Kanetix" in the Apple App Store and Google Play Store on your phone.

What else can I do with the app?

The Kanetix Car Insurance Quick Quote app can get you car insurance quotes in seconds, and much more:

  • Easily compare quotes between vehicles
  • Save your quote details for easy repeat visits
  • Subscribe to policy renewal reminders

And, most of all, you'll never have to worry again about overpaying for your auto insurance.

How easy is it to use the Kanetix Car Insurance Quick Quote app?

In one simple step tell us about:

  • Yourself (your postal code, age, gender and how many tickets and accidents you have)
  • Your car (year, make and model)

That's it, because once we have these tidbits of information we'll show you up to 3 car insurance estimates. It couldn't be easier and will take you less time than it did to read all about the Kanetix Car Insurance Quick Quote app.

A Guide To Graduated Licensing In Ontario

July 29, 2015

New drivers in Ontario must work their way through Ontario's graduated licensing program. It typically begins with getting a G1 licence, followed by a G2, and finally the full G driver's licence. See what's involved, the conditions, and restrictions of getting and keeping your licence in Ontario. Read more >>

Put Down Those Phones: Dangerous Driving Months Ahead

July 28, 2015

Many people assume winter is the most dangerous time of the year for driving, but year after year, summer proves to be the deadliest season. July and August not only have the most collisions, but the most fatalities too. Here's how you can avoid distractions and help make the roads safer this summer. Read more >>

Five Bad Driving Habits That Could Cost You

July 24, 2015

How we choose to behave while driving could have serious consequences, perhaps a ticket or worse, an accident. Avoid the following bad driving habits and be a safer driver. Read more >>

Distracted Driving Laws In Canada

July 21, 2015

Canada continues to crack down on distracted driving. All provinces and territories (aside from Nunavut) have some form of distracted driving-related legislation in place with consequences varying from fines to fines and demerit points. And these penalties are getting tougher. Read more >>

Not Wearing Your Seat Belt Can Increase Your Car Insurance By How Much?

July 17, 2015

Seat belt use in Canada is high. It's estimated that 95 per cent of us buckle up. But, police across Canada still consider not wearing a seat belt one of the "Big Four Killers" along with aggressive driving, driving while impaired, and distracted driving. How can it still be considered one of the Big Four if 95 per cent of us buckle up? Because, in collisions where there's a fatality, about one-third were not strapped in. Read more >>

More news and resources


Think you're a good driver?

Test your skills with DriveSmart, our new app that grades your driving. Get insight on how your driving stacks up and if you could save on your insurance by joining a usage-based insurance program

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auto INSURANCE QUOTE TICKER
Car Insurance Quotes Premium
Customer 48, BRAMPTON, ON
2011, MAZDA, MAZDA2 GX 5DR
Desjardins Insurance$1520
Johnson Insurance$1884
Aviva$2518
COSECO$2821
The Co-operators$3070
Range of top quotes$1550
Customer 47, L'ASSOMPTION, PQ
2015, MERCEDES-BENZ, C400 4MATIC 4DR
SSQ auto$608
COSECO$837
Allstate$1177
Aviva$1191
Range of top quotes$583
Customer 40, BELOEIL, PQ
2012, BMW, X5 35i 4DR AWD
TD Insurance$628
InnovAssur (National Bank Insurance)$885
Aviva$969
Allstate$1101
Range of top quotes$473
Customer 75, EAST YORK, ON
1998, BMW, 328i 4DR
CAA Insurance$863
The Co-operators$1086
belairdirect$1131
Johnson Insurance$1288
Intact Insurance$1386
Range of top quotes$523
Customer 30, BURKS FALLS, ON
2015, NISSAN, ROGUE SV 4DR AWD
Desjardins Insurance$1739
Chieftain Insurance$2136
The Co-operators$2167
COSECO$2276
belairdirect$2690
Range of top quotes$951
Customer 25, OTTAWA, ON
2007, BMW, 328xi 4DR AWD
belairdirect$1631
Coachman Insurance$2091
Pembridge$2349
Unica Insurance$3183
Echelon Insurance$3454
Range of top quotes$1823
Customer 21, EMBRUN, ON
2006, PONTIAC, G5 PURSUIT 2DR
belairdirect$1938
Economical Insurance$2494
Intact Insurance$2559
Desjardins Insurance$2746
Coachman Insurance$2998
Range of top quotes$1060
Customer 57, LLOYDMINSTER, AB
2010, TOYOTA, TACOMA V6 DOUBLE CAB 4WD
SGI$938
Alberta Motor Association$1024
Economical Insurance$1178
Western Direct$1285
COSECO$1345
Range of top quotes$407
Customer 25, EDMONTON, AB
2015, MITSUBISHI, LANCER SPORTBACK SE 4DR
Millennium Insurance $1904
Alberta Motor Association$1953
COSECO$2048
Intact Insurance$2223
Economical Insurance$2335
Range of top quotes$431
Customer 24, ETOBICOKE, ON
2002, FORD, TAURUS SE 4DR
belairdirect$1787
Wawanesa$2071
Johnson Insurance$2278
Aviva$2297
Allstate$2302
Range of top quotes$515

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