Ontario Insurance News & Views

Why Is Car Insurance So Expensive in the GTA?

In an April 2017 report, Special Advisor to the Minister of Finance in Ontario, David Marshall, pegged the average Ontario car insurance premium in the year 2015, at $1,458 per vehicle—a figure almost 55 percent higher than the average rate for the rest of Canada. We discuss this in more detail in an Read more

Ask Adam: Car Insurance Special

Adam Mitchell

In This Installment of Ask Adam:

  1. Driver training & lower car insurance
  2. Transferring driving experience to Ontario
  3. How auto insurance companies set their rates
  4. Less-known ways to save on car insurance
  5. Insurance company with best rates in Ontario
  6. Why your car insurance rate could change
  7. How fault is determined in a car accident
  8. Missed car insurance payments
  9. Cost of commercial vs. personal auto insurance


Hi Adam,
If I take driver training, will it affect my car insurance rate? Is driver training worth it?

Patrick from Toronto

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10 Factors That Affect the Cost of Home Insurance

Home insurance protects the financial investment you have in your home, and it offers important coverage your family may need in case of an emergency. An experienced insurance broker can help you make the right coverage choices for your home, and introduce you to money saving discounts. When an underwriting team looks at your home insurance application, it uses many different elements to determine your premium.

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The 6 Best Tips For Winterizing Your Cottage

Most people have their cottages open and available for three out of four seasons, and closed during the winter. The process of getting your cottage ready to withstand the winter is called winterizing, and it is important that you are as thorough as possible with your winterizing techniques to protect your property and make sure it’s in great shape for the following spring.

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Can I Cancel My Motorcycle Insurance in the Winter?

When it comes to motorcycle insurance, many motorcycle owners have questions about how their policy premium is calculated and if they have to cancel their policy in the fall and start a new one in the spring. Read more

Advanced Rider Training Courses in Ontario

Whether you’ve just earned your M2 or you’re a seasoned rider, an advanced riders training program can help you boost your skills, confidence, and safety on two wheels. Read more

Top 5 auto insurance discounts no one talks about

Everyone wants to save on their car insurance, and time and time again, most of us are aware of common discounts such as combined insurance multi-policy discounts, and driver training discounts. What you may not know about is there are even more discounts you can qualify for depending on your situation. Read more

Insurance: Quietly Covering Your Assets

Money For Nothing?

Of all the goods and services competing for a share of our hard-earned cash, insurance will not likely rank high on many Top-10 Lists of most satisfying purchases.

Consumer products generally come with some immediate gratification: We show off the new car as soon as we drive it off the lot; the weekly grocery trip supplies the next meal; we rock the casual Friday jeans purchase. Even a new hairdo will normally draw a round of semi-genuine approval from friends and family. Read more

The X-Factor: Genderless Auto Insurance Hits Ontario

Have you opted for the ‘X’ gender option on our Ontario driver’s licence? You just might now get a lower auto insurance rate.

Earlier this year we talked about how Ontario was adding a third option, ‘X’, for unspecified to gender selection on drivers licenses. This will allow people who do not identify as either male or female to have their gender unspecified, allowing them to choose an option which better reflects their identity. Read more

Ask Adam: Motorcycle Insurance Special

Adam Mitchell

In This Installment of Ask Adam:

  1. Cost of insurance vs. value of motorcycle
  2. Insurance for custom bikes
  3. Rider training discounts
  4. Standalone motorcycle insurance
  5. Sportsbike blacklists
  6. Multiline discounts for experienced riders
  7. Advice for first time riders
  8. Seasonal motorcycle insurance
  9. Impact of automobile driving history on motorcycle insurance rates


Hi Adam,

Why would it cost me $3,000 – $4,000 for first time insurance when I only paid $1500 for my starter bike?

John in Scarborough

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