Car Insurance

Get reliable car insurance coverage tailored to you with Brokerlink.

Nowadays, it's easier than ever to go online and quickly purchase car insurance with or without a broker. However, going through a broker gets you something you can't buy anywhere else — that is peace of mind. BrokerLink has brokers with offices in Nova Scotia, New Brunswick, Newfoundland, Ontario, and Alberta. Each broker will take the time to get to know you and help you find affordable car insurance that suits your lifestyle.

BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.

What is Car Insurance?

Car insurance is a contractual agreement between you and an insurance company about your vehicle. You agree to pay a regular fee (called a premium), and in return, they promise to help cover the costs if your car gets damaged in an accident or from other causes, including but not limited to theft or vandalism.

Car insurance can cover things like:

Costs to repair damage or replace your car or someone else's car
Expenses and legal fees due to third-party property damage or injuries caused accident
Medical expenses or even funeral costs related to injuries from an accident

What's covered specifically depends on the rules in your province and any coverage options you might choose to add to your policy.

Is car insurance mandatory?

Yes. Car insurance is a mandatory requirement for all drivers throughout Canada. However, what coverage you need varies depending on where in Canada you live.

Standard mandatory coverage across Canada includes accident benefits coverage and third-party liability coverage, though the amount of coverage you need in liability again varies by province. The most common required amount is $200,000 in liability, but Quebec only requires $50,000, and Nova Scotia requires $500,000.

Many provinces also require drivers to carry uninsured motorist coverage. If you live in a no-fault insurance province like Ontario or Nova Scotia, you may be required to carry direct compensation-property damage coverage.

Types of auto insurance coverage

Insurance brokers will help you determine the right coverage for you and your needs. There are many types of auto insurance coverage available. Depending on where you live, certain types of insurance coverage are required by law, and others are optional. Before purchasing insurance coverage, you should find out what kind of car insurance coverage is required where you live. You can find out if you have the right insurance coverage in your province by speaking with a broker who understands the laws in your home province. Let's learn more about each one to help you find the best coverage available:

Mandatory

Optional

Liability insurance, also known as third-party liability coverage, helps pay for accidental injuries and property damage that occur in a car accident. It might also cover medical expenses or lost wages, as well as legal defence and court fees if necessary. This mandatory coverage is required across Canada, with its minimum amount varying depending on your province.

[Not mandatory in Newfoundland] With accident benefits coverage, you and any passengers who were in the vehicle at the time of the incident will receive compensation if someone gets hurt or killed as a result of the incident. It covers medical expenses, such as rehabilitation programs, caregivers, income replacement and funeral expenses if necessary.

[Not mandatory in Alberta] Like other insurance products, this type of coverage is mandatory. Uninsured automobile coverage will come into effect if you get into an accident with an uninsured or underinsured driver. It helps pay for damages caused by the accident even if the other driver leaves the scene in a hit-and-run and there's no one at fault for the collision.

[Not mandatory in Ontario] Also known as no-fault insurance, direct compensation coverage will help pay for damages if you get into an accident that was not your fault. This can include injuries and damages to your vehicle. However, you will only receive coverage when you are at fault if you have collision and comprehensive coverage.

Collision coverage is a popular type of optional coverage. It provides compensation for damages if your vehicle collides with another driver, a stationary object, or if your car rolls over. While this coverage is optional, you may be required to carry it if your vehicle is leased or financed.

Comprehensive coverage is another popular type of optional car insurance. It will help if your vehicle is damaged for reasons other than an auto accident. Expenses covered by comprehensive insurance can include theft, vandalism, fire, water damage, or even hitting an animal like a deer. You may also be required to carry this if your vehicle is leased or financed.

When you get into your first at-fault accident, accident forgiveness coverage prevents your insurance company from raising your rates after going through the claims process. It will allow you to maintain a clean driving record as you stay with the same insurance company. This is another popular type of optional coverage.

If you're buying a new car, adding this coverage to your policy is worth considering. It ensures you're covered for the full value of your vehicle without factoring in depreciation. That means if your car is stolen or totalled, you'll be reimbursed for the cost of a brand-new vehicle—not just what it's worth after wear and tear.

If you ever get into an accident and your car needs repairs, loss of use coverage has your back. While your car is in the shop, this coverage helps pay for other ways to get around—whether that's hopping on public transit, using ride shares, or renting a car. It can be a real lifesaver, especially if your car ends up being out of commission for days or even weeks.

We find the best providers for your insurance needs so you don't have to

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Discover what sets BrokerLink apart. Our commitment to personalized service, expert advice, and comprehensive coverage options ensures you get the best protection tailored to your needs.

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Ways to save money on car insurance

Nobody wants to pay more for any product or service. The good news is you have some control over the amount you pay for car insurance. Here are a few things you can do to lower your premium and save money on your car insurance:

Discounts

Bundle your insurance policies

Bundle your car and home policies with the same company and enjoy big savings on both! Plus, if you ever have a claim that involves both your car and home, you'll only have to deal with one deductible. Don't need home insurance? No problem—you can bundle it with tenant insurance, another vehicle for a multi-vehicle discount, or another valuable item and still score the same great discount.

Use winter tires

If you put approved winter tires on your car every year, you could get a winter tire discount of up to 5%, depending on your insurance company. Why the discount? Winter tires are much better for handling the icy and snowy roads we have here in Canada, which lowers your chances of an accident compared to using all-season tires. That's why insurers reward you for making the switch—it's safer for everyone!

Attend driving school

A driver's education course or defensive driving course from an accredited driving instructor makes a difference. No one is too old to take driving lessons, and as insurance brokers, we know this all too well. By taking a driving course, you are showing your insurance company that you are making an effort to become a safer driver. In turn, your rates will lower even if you have opted to have additional coverage.

Consider a hybrid or electric vehicle

Switching to a hybrid and electric car can open the door to more insurance discounts! Many insurance companies in Canada offer you a discount for driving one. Driving a hybrid or electric vehicle doesn't just save you money at the gas pump; it could also lower your car insurance costs. Double win!

Anti-theft devices

If you live in an area where vehicle theft is common, your insurance company will view you as a higher risk to insure, which will be reflected in your premiums. However, you can counteract this notion by installing anti-theft devices in your car. Depending on the vehicle you drive, your car may statistically be at higher risk of getting stolen. You can receive lower auto insurance quotes by taking measures to prevent this. You can alternatively install some cameras or monitoring near where you park your car for a second set of eyes in the event that something should happen to your vehicle.

Keep a good driving record

Insurance agents sell insurance at a lower price to drivers who are considered low-risk. That means making fewer insurance claims and avoiding tickets for traffic violations. Since insurance coverage acts as a financial safety net, insurance providers are taking a risk by insuring you. That's why being safe on the road is so important. If you maintain a clean driving record until you have at least six years of clean driving experience, several insurance providers will offer you lower rates.

Telematics

Did you know that installing a telematics device in your vehicle could make you eligible for a car insurance discount? Similar to the principle behind the safe driver discount, an insurance company will reward you if you install a telematics device in your car (a device that tracks one's driving habits) and it shows that you are a safe and responsible driver.

Private parking

Where you park your car can have a direct impact on your car insurance rates. It is a well-known fact that parking in a public space, such as on a street, puts your vehicle at greater risk of being damaged or stolen. Insurance companies may be willing to take on this risk, but they will also reward you if they don't have to (i.e. if you park your car somewhere safer, such as in a private parking spot). So if you regularly park your car in a private driveway, garage, or laneway, be sure to inform your insurance company as you could receive a discount.

Retirees

Drivers of a certain age or retired drivers may qualify for a car insurance discount. For example, if you are an Ontario driver who is retired, you might be able to save up to 15% on auto insurance.

Savings Options

Get an insurance broker

Insurance brokers work in an insurance brokerage, which works with multiple insurance companies to help you find the best rates. For example, Ontario car insurance can vary greatly depending on where you live and several other factors. Since Ontario drivers are more likely to live in densely populated areas, accidents are more likely, which is why having an insurance broker shop around for you is much easier. You will also receive unbiased advice that you can't get anywhere else.

Increase your deductible

Choosing a higher deductible is a simple way to lower your insurance premium. If your deductible isn't already at least $1,000, consider bumping it up—it's an easy way to save on your rate. Just be careful not to set it too high. Make sure it's an amount you can comfortably afford to pay if you ever need to file a claim.

Insure all cars together

Is there more than one vehicle in the household? Insuring all of your cars under one policy could save you a large amount on each policy.

Review your coverage often

Take a few minutes each year to review your policy—it's a great habit. Ask yourself: What coverage do I have? Does it still match my needs? If not, could I save some money by reducing or removing certain coverage? A quick check can make sure your policy works for you and your budget.

Pay annually

Did you know that paying for your insurance policy once per year is an effective way to save money? Monthly payments are more attractive to most drivers. Despite this, paying for your car insurance monthly is actually more expensive. Why? It's because administrative fees are added to your rates, which can make a difference as property damage from a collision does.

Ask about discounts

Who doesn't love saving money? Insurance brokers are all about helping you find discounts. There are so many discounts available, and insurance companies are always rolling out new ones and updating their offers. Whether you're a new or existing client, you can take advantage of savings like loyalty, away-at-university, claims-free, multi-vehicle, family discounts, and more.

my Drive app

Treat yourself to lower car insurance premiums just for being a good driver! With Intact, you can unlock even more savings—up to 25%—by using the Intact My Drive app. It's simple: enroll, drive smart, and watch the discounts add up.

How your car insurance rates are calculated

BrokerLink is an insurance company, but we don’t determine your rates — that's your insurance company's job. However, our job as an insurance broker is to help you find an insurance company that offers a policy that suits your budget and needs. Despite this, it's still helpful to understand the key factors affecting your car insurance rates:

Where you live

Your car insurance rates will vary depending on where you live. Each province has insurance regulations that affect rates, but there is something they have in common. People living in rural areas tend to pay less for auto insurance than those living in densely populated cities. That's because when there are more vehicles on the road, the likelihood of a car accident is much higher than living in a small town with little traffic. Insurance companies also use the risk of the surrounding areas when calculating rates.

Age and experience

Insurance companies use statistics based on the number of auto accidents for each age group. Based on that data, your insurance company can evaluate the risk factor of insuring you. Data suggests younger drivers are at a higher risk of being involved in an accident, resulting in higher car insurance rates. Similarly, the data may suggest a higher frequency of accidents for people past a certain age. As a result, car insurance rates can increase as people age.

In hindsight, when you start driving, it can make an impact on your car insurance rates. The number of years you have been driving reflects this. Most insurance companies will assume drivers with less experience present a greater risk than those with more experience. Luckily, after several years of safe driving and maintaining a clean driving record, you can qualify for lower rates. Keep your eyes on the road!

Marital Status

You probably don't think your marital status affects your driving. However, data suggests there's a difference between married and non-married drivers. Insurance companies will take whether or not you are married into account when calculating your rates. You may be able to get a multi-vehicle or multi-policy discount if you reside in the same home.

Driving record

An old saying goes, “Actions speak louder than words.” When it comes to car insurance, actions speak louder than words to insurance providers! You will have lower premiums if you have a clean driving record than a driver with traffic violations or a lengthy claims history. Good driving helps you save money in the long run.

Whether you give us a call or get an online car insurance quote, our team strives to provide you with the best coverage at an affordable rate. We know insurance in Ontario and beyond can be pricey, but it's worth the investment to keep yourself, your passengers, and other drivers on the road safe if you get into a collision. After all, it's expensive to pay for damages out of pocket, so we will explore ways to save money on car insurance next.

Finding an auto insurance provider that suits you needs

One of the most important things to think about when purchasing car insurance is your provider. After all, your car insurance company should be helpful and reliable. Between local companies and those that operate primarily online, you have a lot to think about. This isn't a decision you should take lightly, which is why we are providing some tips to consider when choosing a car insurance company:

Think about your specific needs

Mandatory coverage exists regardless of the province in which you live. You will always have these types of coverage on your policy regardless of the insurance company you choose. For example, if you are a new driver or live in a house with teen drivers, you should look for an insurance company that offers potential discounts for things like good grades. Another alternative is bundling your home and car insurance policies to save money.

Look for reviews and ratings

When you're getting car insurance quotes, you should look for reviews and ratings for each company you speak with. Honest customer reviews will help you understand the experiences that real people have had with the provider. Look beyond the insurer's website, which generally only showcases positive ratings, so you can get additional context. Ask your family members and friends for recommendations if you still need clarification.

Think about the costs

Your financial situation plays a huge role when it comes time to purchase an insurance policy. Insurance companies calculate rates based on a number of factors, including your age, gender and driving history. Despite this, you might get different quotes based on the insurance company you talk to. That's why it's important to call around before choosing a company to get your first insurance policy with. It's your decision, and you deserve the right coverage at an affordable rate.

Whether you're driving a hybrid or electric vehicle or a rented or borrowed vehicle, the insurance company you choose makes a difference. You need to find an insurance company that will advocate for you in your time of need. At the same time, you should be able to afford the rates you are being charged. There's a delicate balance that you will have to navigate over time. Next, we will explore the benefits of purchasing an auto insurance policy.

Benefits of purchasing car insurance

Your car insurance cost might seem intimidating at first. Despite this, there are many benefits to purchasing an auto insurance policy. In fact, once you get a few car insurance quotes and make your decision, you receive these advantages right away. Yes, you have to pay an insurance premium to receive an auto insurance quote, but overall, the pros outweigh the cons. Here's why you should get an auto insurance quote today:

Financial protection

When you purchase auto insurance coverage, you are financially protecting yourself. How so? Well, once you explore your coverage options and have insured vehicles, you don't have to worry about losing a significant amount of money if you get into a car accident or if something else happens to your car. This is because by paying your insurance premium, you receive money that covers medical expenses, legal fees and other costs that come with damaging your or someone else's vehicle. It will save you money in the long run because you don't have to pay for all of this out of pocket.

Legally operating a motor vehicle

This is the most obvious benefit of having auto insurance coverage. Unlike home insurance, which is optional, auto insurance is not. You have to find an insurance provider that provides you with an auto insurance policy to legally drive on the road in Canada. If you don't, you have to pay for any damages you cause out of pocket and will be subject to penalties. Common consequences of getting caught driving without auto insurance include hefty fines and penalties such as licence suspension. Being an uninsured driver might seem like it saves you money, but it can actually increase your insurance premium later.

Helps your car last longer

As mentioned earlier, auto insurance can help pay for damages your vehicle may incur over its lifetime. Visiting a mechanic isn't cheap — however, you don't have to pay as much when you have mandatory auto insurance coverage. Repairs will not cost as much as they did previously because your insurance provider will pay the balance not covered by your deductible.

Additionally, by adding certain types of optional coverage to your insurance plan, you can be protected against theft, vandalism and damage incurred by inclement weather. Lastly, if your vehicle becomes no longer drivable, you can receive the actual cash value to replace it.

Easy to purchase

Even if you have been in an at-fault accident, it's easy to purchase auto insurance whether you get car insurance quotes directly from insurance companies or use a broker. You have the option of visiting branches in person, calling them on the phone or buying car insurance online. All you have to do is gather important information, such as documents that prove your insurance history and your driver's licence. It might seem overwhelming at first, but getting help from a broker can help. This can help you get lower car insurance premiums and hit the road sooner.

Additional support

Whether you have insurance in Ontario or British Columbia, you will receive support during your time of need. It doesn't matter whether you purchased your car insurance online or over the phone. Following an incident, your auto insurance provider will provide steps for what to do next. Mandatory auto insurance coverage can pay off because insurance agents and brokers understand how to navigate unpredictable situations such as car accidents. Having peace of mind can make a difference when you're feeling overwhelmed.

Knowing the difference between mandatory and optional coverage and what affects your insurance premiums, getting car insurance doesn't have to be a difficult process. It doesn't matter whether you have a gasoline-powered, hybrid or electric vehicle; you need insurance. By taking things one step at a time, you can receive the compensation you deserve, whether your vehicle caused the accident or not. Reach out to a BrokerLink broker to find the right coverage and explore various insurance policies today.

Save time and money

It's not impossible to shop around yourself. With that said, letting us do all the heavy lifting allows you to spend more time doing what you love, like spending time with family, travelling, or chilling at home streaming movies. Having an insurance broker in your corner is a valuable resource in the sense they can help you get the most out of your insurance coverage.

When it comes to auto insurance, it might feel like the options are endless. However, purchasing certain types of coverage isn't always a choice — some are required by law. Your broker should shop around to help you get the best coverage at an affordable rate. A BrokerLink insurance advisor will walk you through your options, explain everything using clear language, and save you time.

Get in Touch

Looking for coverage options? Our brokers can help you find discounts and the right plan for your needs. We'll provide personalized quotes and explore the best options for you.

Contact a BrokerLink broker or visit a branch today for assistance with new or updated policies. We're here to help!

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Car insurance FAQs

Have questions? Our FAQ section has the answers you're looking for. Find helpful information to guide you through your options.

Are there car insurance cancellation fees?

This depends on the insurance company and the details of your car insurance policy. In some cases, there are cancellation fees or penalties. That's why it's best to shop around for online car insurance before you have to renew your policy. Get more than one car insurance quote before making a decision.

What are the consequences of driving without insurance?

If you get caught driving without insurance anywhere in Canada, the consequences are quite severe. For example, the first time you are caught driving without auto insurance, you can be fined up to $10,000 and have to pay a 15% surcharge. You can also be charged for driving with an expired car insurance renewal. Overall, it's not worth the risk. Call an insurance broker to get the auto insurance coverage you need to stay safe on the road.

I only drive on weekends. Does this impact my car insurance rate?

If you only drive on weekends, be sure to let your insurance broker know! This can entitle you to a reduced rate. If you drive less often, you are less likely to get into an accident. As a result, your auto insurance rates will be much lower.

Is car insurance coverage transferrable from province to province?

Car insurance is regulated at the provincial level. Every province has different rules and minimum requirements. If you are moving provinces, you have to get a new car insurance policy. You can call your insurance broker to see if your current insurance company services the province you're moving to. Despite this, you cannot transfer your existing policy to a new province.

How do insurance companies determine car value?

If your car is totalled in an accident, your insurance company may choose to write off the vehicle and give you the Actual Cash Value (ACV). Insurance companies have processes in place to determine a car's value. This is based on research, data, and actuarial expertise. Considerations include the vehicle's market value, age, prior accidents, and more.

If you disagree with the ACV your insurance company has determined, you may dispute it. In turn, you'll need to do some research to prove your car is worth more than what they've determined. If you can put together a case with strong examples, such as receipts for work or parts on your vehicle, you boost your chances of being able to negotiate.

That's why comprehensive and collision insurance can help you out. If you are involved in a serious car accident and your vehicle is damaged beyond repair, you can receive compensation.

Are all not-at-fault car accidents covered under direct compensation?

No, not all at-fault car accidents are covered under direct compensation. For example, if you are involved in a hit-and-run accident, it's likely covered by collision coverage. Another example is getting into a car accident with an uninsured driver while not being at fault. If this occurs, you can file a claim under the uninsured automobile coverage section of your policy.

Are items stolen from my car covered by car insurance?

Any belongings stolen while inside your vehicle can be claimed through the contents portion of your property. When this happens, your standard property deductible will apply.

How can I save on my car insurance?

Having good driving habits is one of the best and easiest ways to save money on auto insurance. When insurance companies see you as less of a risk, your insurance premiums will be lower.

Am I covered under my parent's car insurance?

If you only borrow the car on rare occasions, you do not have to be added to their insurance policy to be covered. However, if you drive regularly, such as driving to school once a week, you will need to be added to the policy. To better understand your specific circumstances, reach out to an insurance broker in your area.

How long does a car insurance policy last before needing renewal?

Typically, you need to renew your car insurance coverage once a year.

What happens if my damaged car is repaired for less than the paid amount from the insurance company?

If you submit a claim, your insurance agent from your insurance company will be assigned to your file. This person is called a claims adjuster. You will likely deal with them over the phone or online. Your claims adjuster will look at the damage to your vehicle and the insurance coverage you have. From there, you can go through the claims process and get any questions you have answered.

Do you need a licence to get car insurance?

Yes, you need a driver's licence to get car insurance. In order to purchase auto insurance, the vehicle needs to be registered in your name. You need a valid driver's licence to register a car and get licence plates. Besides your driver's licence, you will need the following information to get auto insurance:

Vehicle registration
Driver abstract — available online, or your insurance broker can help with this.
Information about other people who will be driving your car"

I've been involved in car accidents before but was never at fault. Will that affect my insurance rates?

Being involved in a past car accident doesn't automatically increase your auto insurance rates. If you were never at fault in those past accidents, you don't have to worry about increased insurance rates. That's because most insurance companies don't check for past non-at-fault accidents. You can, however, expect your insurance company to review your driving record over the last six years. Despite this, some insurance companies will review as far as a decade back.