Auto Insurance Checklist

Following are some key questions to ask your insurance provider before you purchase your car insurance.

  • What types of coverage does my province require?
  • What optional coverages exist, and which ones should I consider purchasing?
  • What are my options for deductibles on collision and comprehensive coverage, and how much does changing the deductible affect my premium?
  • Should I purchase coverage for a rental car if my car is in the shop because of a claim?
  • Is there also coverage available to protect such a rental car, or a borrowed car, from damage to it that might be my responsibility?
  • Am I eligible for any special discounts, such as a driver's training discount, students' discount, alumni discount, or winter tire discount?
  • Is there another insurance company offering a lower rate than my current company?
  • Is my driving record affecting my rate?
  • As my insurance professional, what coverages and limits would you recommend that I carry?

Whatever types of coverage you're looking for, ShopInsuranceCanada.ca is a great place to start researching the nuances of car insurance in Ontario. Be sure to use their instant quoting tool to compare rates from 15 different insurance companies in just a few minutes.


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For things to consider before purchasing auto insurance, see our Buying Checklist.

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