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Why choose Mitchell & Whale as your car insurance broker?

Let us do the ‘shopping around’ for you to find you the best rates on auto insurance in Ontario. We’ll make sure you know exactly what’s covered and what’s not, so you feel completely comfortable with your car insurance coverage.

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Auto Insurance in Ontario: What’s Covered?

If you drive a vehicle in Ontario, you’re required to have at least the mandatory minimum required insurance coverage. Whether you want basic auto insurance or extended coverage for your car, truck, motorcycle, or other vehicle, our brokers will ensure that your coverage matches your budget and driving habits.

If you use your vehicle for business purposes, which includes driving for Uber, you’ll need commercial auto insurance to protect yourself, your business and/or employees.

Basic Required Coverage

Third-Party Liability Coverage

Protects you as a driver should an accident cause property damage, injury, or death to another person. If you’re found liable for damages, you will be insured up to the amount of your coverage, from claims resulting from the accident, as well as for the costs of settling those claims. The minimum coverage required by law for Third-Party Liability Coverage is $200,000; however, higher coverage options are available.

Learn more about third party liability auto insurance

Accident Benefits Coverage

Statutory Accident Benefits Coverage provides you with benefits in case of an injury from an accident, regardless of who caused it. Benefits include any medical costs beyond what is covered by healthcare, rehabilitation and attendant care, as well as replacement of any lost income due to the accident. Accident Benefits Coverage can also cover the costs of being unable to provide for someone if you are their caregiver, and non-earner benefits.Learn more about statutory accident benefits

Direct Compensation - Property Damage Coverage

DC – PC coverage insures your vehicle against damages in the case of an accident for which you are not responsible. It also protects the contents of your vehicle if they are damaged or destroyed, and covers you from the costs associated with losing use of your vehicle.

Learn more about Direct Compensation – Property Damage

Uninsured Automobile Coverage

Coverage that insures you and your loved ones against injury or death by a hit-and-run or uninsured driver. It can also cover your vehicle damage in the event that the other driver, if they are identified, does not have insurance of their own.

Learn more about uninsured auto insurance

Optional Extended Coverage

There are several options to extend your auto insurance coverage in worth considering, such as:

Increased third party liability coverage

Increase your third party liability coverage to $5,000,000, $1 Million, or $2 Million.

Increased accident benefits

Increase your accident benefits for expenses such as medical and
rehabilitation, attendant care, income replacement, death and funeral, and more.

Increased coverage on vehicle loss or damage

Increase your vehicle protection to include events and perils not covered in your basic Compensation – Property Damage Coverage.

Whether mandatory auto insurance coverage is enough for you is entirely up to your needs and budget; however, increasing coverage or extending your policy can be a wise decision and a relatively small investment for the level of added protection you get in return.

How Much is Auto Insurance in Ontario?

Auto Insurance costOntario motorists pay an average of between $1,500 and $2,000 annually for auto insurance–at least 50% more than other Canadians. Auto insurance rates in Ontario vary significantly by city, with averages as low as $1,000 in Kingston, Napanee, and Belleville, climbing to $2,500 in some regions in the Greater Toronto Area.

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