Car Insurance

Don't Do It Alone, BrokerLink Can Help

These days, it’s easier than ever to go online and quickly purchase car insurance, without the help of a broker. But going through a broker gives you something you can’t buy elsewhere: peace of mind. Our brokers, with offices in: Ontario, Alberta and all provinces in Atlantic Canada, will take the time to get to know you so they can find affordable car insurance that makes sense for your life. You’ll walk away with a policy that fits. Nothing you don’t need, and everything you do.

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Save time and money

Sure, you could shop around yourself. But letting us do it means you have more time to do what you love! Whether that means spending time with family, travelling the world, or Netflix and chill, don’t spend your free time looking for car insurance. Let us do it for you!

With an insurance expert in your corner, you have a knowledgeable resource ready to help you get the most out of your insurance coverage. There are many different options to consider when deciding on auto insurance; some are required by law while some may not apply to you at all. A BrokerLink broker can walk you through the options, explain everything in plain English, and save you time. They can also highlight any applicable discounts that you may be eligible for. What’s more, with coverage that fits your life, you can potentially save money by reducing coverage where you don't need it. Trust someone who is specialized in the field and give yourself peace of mind.

What’s affecting my rate?

As an insurance broker, BrokerLink does not determine what your rate will be. Instead, our brokers help you identify your best options based on your current circumstance and coverage needs. However, it is still helpful to understand some of the main factors that influence insurance rates. The basic equation is simple enough: the higher your risk, the higher your premium. However, evaluating risk is a bit more complicated than that. There are many factors that decide how you compare with other drivers in terms of risk. Every insurance provider weighs certain factors slightly differently from their competitors. There are several key factors that commonly influence car insurance rates.

Where you live

Where you live can affect your car insurance premium. Provinces have different insurance regulations affecting rates and within provinces, rates may vary depending on whether you live in an urban or rural area. Often, people who live in high-population density areas will have higher rates. With more cars in urban areas, the probability of more accidents increases. In contrast, if you live in an area with a low-population density (e.g. rural areas) you might pay less than your city dwelling counterparts.


Insurance companies will evaluate statistics on the number of motor vehicle accidents by age group and use the data to calculate different risk factors. If the data shows younger drivers are more of a risk to be involved in an accident then their rates are likely to be higher. Similarly, the data may show a higher frequency of accidents for people past a certain age so, once again, rates will be adjusted accordingly.

Marital Status

Despite whether you think your marital status affects your driving, if the data shows a difference between married versus non-married drivers, insurance companies will take this into account when calculating your rates. Sadly, “it’s complicated” is not an accepted marital status.

Driving Experience

No matter what age you are when you start, the number of years you’ve been driving will likely affect how an insurance company assesses your risk of getting into an accident. Insurance companies assume inexperienced drivers pose a greater risk than someone with more experience. Luckily, after several years of safe driving without an incident, you may qualify for lower rates, so keep your eyes on the road!

Driving Record

You know that old saying, “actions speak louder than words”? When it comes to car insurance, actions speak volumes to an insurance provider! If you are someone with a clean driving record, you may have reduced premiums compared to a driver with more traffic tickets or that has experienced a claim. Good driving helps you save in the long run.

Extra credit

You’re still here? Amazing! You really like to do your homework, and we respect that. Check out the different types of coverage below so you can really make sure you know your stuff.

Different types of coverage:


Liability insurance helps pay for accidental injuries and property damage, and may provide coverage for things such as medical expenses and/or lost wages. In addition to damages and injury, this coverage can help pay for legal defence and court fees. This coverage is mandatory across Canada although the minimum amount varies across provinces.


Collision coverage helps pay for damages sustained to your vehicle if it’s involved in a collision with another driver or object. Collision coverage also comes into effect if your vehicle is damaged due to a hit and run accident.


Comprehensive coverage applies to damages sustained outside of an auto accident. Some expenses that might be covered by comprehensive coverage include theft, vandalism, fire and water damage.

Accident Forgiveness

This coverage helps manage medical expenses as a result of an auto accident, regardless of who is at fault.

There are many different types of car insurance coverage available. Depending on where you live, certain coverage options are required by law, while others are optional. In order to make sure you have the right insurance in any given province, it’s important to learn the different requirements before selecting your coverage options. With all the options available, make your life easier and trust a BrokerLink broker to find the insurance coverage right for you.

Get in touch

Want to learn more? Let us be your resource for all things car insurance. From start to finish, our brokers handle the legwork to make sure you walk away satisfied. Give our brokers a call today and we’ll find the car insurance coverage that works best for you.

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Frequently Asked Questions on Car Insurance:

Are there car insurance cancellation fees?
This depends on the insurance company and the details of your specific policy. There may be cancellation fees or penalties. This is why it's best to shop around right before you're scheduled to renew.
How can I save on my car insurance?
Having good driving habits is one of the best and easiest ways to save on insurance. When insurance companies see you as less of a risk, your premiums are likely to be lower.
What are the consequences of driving without insurance?
If you are caught driving without car insurance in Canada, the consequences can be serious. The first time you are caught driving without car insurance, for example, you can be fined up to $10,000 and also have to pay a 15% surcharge. Its not worth the risk. Call a broker to get insurance coverage that makes sense for you.
Am I covered under my parent’s car insurance?
If you only borrow the car on rare occasions, you do not needed to be added to their policy to be covered. If you drive on a regular basis, for example, driving to school once a week, you will need to be added to the policy. To understand your specific circumstances, talk to an insurance broker.
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! You may be able to get a reduced rate. If you drive less often, you are less likely to get in an accident. That could result in lower car insurance prices.
How long does a car insurance policy last before needing renewal?
Typically, insurance renews once a year.
Is car insurance coverage transferable from province-to-province in the short-term?
Car insurance is regulated at the provincial level. Each province has different rules and minimum requirements. If you’re moving provinces, you’ll need to get a new car insurance policy. You can call your broker to see if your current insurance company services the province you’re moving to, but you cannot transfer your existing policy to a new province.
What happens if my damaged car can be repaired for less than the paid amount from the insurance company?
If you submit a claim, a claims adjuster from your insurance company will be assigned to your file. You will most 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. They’ll help guide you through the claims process and answer any questions you may have.

For more FAQs, visit the BrokerLink FAQs page.

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