Insure your car and home together with the same company and save big on both policies! Plus, you’ll only pay one deductible in the event of an insurance claim involving both your home and car.
Whether you prefer monthly, annual, semi-annual or quarterly, we offer flexible payment options to suit your needs. Paying monthly? Choose any day within the month to make your payments!
Good drivers like you deserve a break! Protect your driving record with accident forgiveness. Your first at-fault accident is treated as if it never happened, and your premium will not go up as a result.
Reward yourself for being a good driver with lower auto insurance premiums and additional discounts based on how you drive. Save up to an extra 25% off already low car insurance rates by using the Intact MyDriving App. Enroll and start saving today!
We promise to get you in touch with a claims agent within 30 minutes or you’ll get a refund of your full annual premium, up to $1000! Plus, in the event of a total loss or hit and run claim with damage over $1000, we’ll waive your deductible.
You love saving money, and we love finding you discounts! Take advantage of all the discounts available to new and existing clients including, Loyalty, Graduated License, Away at University, Good Student, Claims-Free, Multi-Vehicle, Family Discount, and more!
Getting the right car insurance at an amazing rate is just like anything else; it takes hard work to get results! You need to put in the time and effort to obtain quotes from several car insurance companies to lock in a policy you’re happy with, and hopefully educate yourself along the way.
But how are you supposed to know which car insurance companies are the best options for to your individual needs? Do those companies even work directly with consumers? And do you have time in your busy day to compare quotes from several different companies?
Working with a respected car insurance broker is a smart choice. It’s really simple - car insurance brokers work for you and not the insurance companies. Your satisfaction is a broker’s top priority. That’s why they work tirelessly to help find you the coverage and price you’re looking for. You can rely on a reputable insurance broker to do the shopping for you so you don’t have to.
Plus, brokers have the expertise to help you make the best decision for you and your family, all while providing you with expert unbiased advice.
Car insurance rates can vary significantly from one company to another. And because these providers are constantly underwriting behind the scenes, rates can change every year. That means that the company who offered you the best rate last year may not have the most competitive offer on renewal.
When you utilize the expertise of a professional insurance broker to help you shop around, you’re able to quickly and easily access the best offers from multiple insurance providers every year.
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:
Avoid administrative fees that some companies will charge for monthly payment plans by paying your premiums annually in one lump sum.
Going with a higher deductible can reduce your overall premium. Consider increasing your deductible to least $1000 if it isn’t already.
Is there more than one vehicle in the household? Insuring all of your cars under one policy could save you between 10-20% on each vehicle.
Own a home or condo? Or maybe you rent? Either way, combining your property insurance policy with your car insurance policy could save you up to 15% on each policy.
Review your policy every year for additional savings. Car insurance companies are always adding and amending discounts, so you may qualify for further discounts that weren’t available to you last year.
If you use approved winter tires every year, you’ll be eligible for a discount of up to 5% depending on the insurance company.
Make it a habit to review your policy every year. What coverage do you have? Does it still fit your needs? If not, how much could you save if you removed or reduced the coverage amounts?
Have a new driver in the household? It’s a good idea for all new drivers to register for driving school and receive professional training. Not only will this provide them with the experience and training needed to become a confident driver, it will also save them a lot of money on car insurance. In fact, the savings you receive on your first year of car insurance alone could cover the cost of a typical driving course.
Many car insurance companies have apps that will score your driving habits and reward you with additional discounts for safe driving. Improving your driving skills could save you up to 25% more on your car insurance.
Times are changing and new hybrid and electric vehicles such as Tesla’s are paving the way for more insurance discounts! Now, driving a hybrid or electric vehicle won’t just save you money at the gas pump, you may actually save on your car insurance too.
We make buying insurance easier by showing you the best options available and helping you find the perfect policy at a great price. Let BrokerLink take the guesswork out of buying and renewing your car insurance. Whether you prefer to shop online or at a community branch, we’ll get to know you and build a plan that fits – nothing more, nothing less. Our team of Insurance Advisors will give you the inside scoop on discounts and benefits that can save you the most money, and help you feel good about what you’re buying.
It’s helpful to understand some of the key factors that commonly influence car insurance rates. How each detail impacts your rate will ultimately depend on the company, but here are a few of the most common rating factors for car insurance:
As an insurance broker, BrokerLink does not actually set your car insurance rate. Instead, our professional advisors search the market to help find the best insurance options for you based on your budget, current circumstance, and needs.
This is the minimum coverage required in order to legally drive a vehicle on the road in Ontario. Whether you lease, finance, or own your car, this coverage is designed to protect you, your passengers, your car, and other drivers.
Liability insurance helps pay for other drivers’ property and bodily injuries if you’re found at fault in an accident. In addition to damages and injury, this coverage can help pay for your legal defense and court fees. Although the coverage is mandatory across Canada, the minimum amount varies across provinces.
If you, a passenger, or a pedestrian requires medical or rehabilitative attention following a car accident, the accident benefits section of your car insurance policy will cover the cost; it doesn’t matter who is at fault in the accident. Keep in mind, there are limits to what’s covered and coverage amounts. Talk to your advisor about your options for increasing coverage for accident benefits.
This mandatory coverage provides you with compensation when you or your car is damaged in an accident where you are not at fault. It’s called ‘direct compensation’ because you deal directly with your insurance company to recover any compensation following a claim.
This protects you and your passengers if you’re involved in an accident with an at-fault driver who is uninsured or underinsured.
Depending on your situation, the bare minimum may not be enough for full peace of mind on the road – Here are a few of the most popular options that Toronto drivers add to their policy to enhance their car insurance coverage:
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.
Everyone deserves a second chance. If your involved in your first at-fault accident (or your first in a very long time), having this optional coverage on your policy will ensure that your rates won’t go up as a result of the claim, and you will maintain your good driving record for as long as you stay with the same company.
If your purchase a new vehicle, you should definitely consider adding this coverage. With this option on your policy, you’re covered for the value of your vehicle without depreciation. So in the event of a theft or total loss claim, you’ll be reimbursed for the full value of a brand new vehicle.
Unfortunately, the answer to this question isn’t black or white. This depends on many factors, including your driving history, the type of car you drive, where you live and your insurance history. Provide a broker with this information for them to quote you a price.
This depends on the situation. In some circumstances you could be covered, while in others you may only be covered if you are under their policy as a secondary or occasional driver. Ask a broker to review your policy with you to see if you will be covered.
Yes, it could. Your policy is “rated” based on different factors and a price is quoted accordingly. How often you actually drive your car is one of the factors that is considered.
For more FAQs, visit the BrokerLink FAQs page.
When looking for auto insurance, it is extremely important to shop around and compare prices. However, this task can be difficult and time-consuming. Why not let us do it for you? Working with a Broker makes comparing auto insurance quotes so much easier and stress-free. A broker will be responsible for every step of the process, insuring you get the best quote possible. At Brokerlink, we will find you the perfect policy, the best prices and the most discounts.
Navigating through the minefield of your insurance policy can be exhausting. Why take the chance? Lean on Brokerlink to support you in protecting your greatest financial assets. One of our brokers are always available to help!
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. Get a quote today or give our brokers a call today and we’ll find the car insurance coverage that works best for you.