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Moving Out of Province: Can My Car Insurance Come With Me?

In Canada, the reality of moving to a new province means cancelling your current insurance policy and purchasing a new one in whatever province you now call home. Each province has their own laws governing car insurance, so it is necessary to get a new policy when you move…and this can come with some unexpected headaches and fees.

With the changes that have come recently to the workplace, and the increasing reality of working remotely, there is plenty of news around these days of Torontonians and other big city dwellers packing up their cars and leaving the city, with many even deciding to head to the coasts on a new life adventure or just to return to their hometowns.

Moving to a new province can be an exciting opportunity, but it’s important to remember all those little details that can easily be overlooked until it’s too late, such as what the implications are for your car insurance policy.

Why Do I Have to Cancel My Current Policy When Moving to a New Province?

“I ain’t gonna pay it!”

So a friend of mine recently exclaimed shortly after learning that he would have to pay a cancellation fee on his existing Ontario car insurance policy before purchasing a separate policy from the same company in his new home province of Nova Scotia.

First of all, let’s be clear that any cancellation fee you pay when you move to another province in Canada is charged by your insurance company, not your broker. It applies to any policy that is canceled before the end of the policy’s term.

When you purchase an insurance policy you are essentially buying one year of coverage and then financing it over a full year. So when you cancel halfway through that term it is unlikely that your payments are balanced with the number of days you have actually used. This has to be reconciled. The insurance company also has a right to add on a small cancellation fee to account for administrative costs related to your policy.

This is understandably frustrating when, like my friend, you wish to use the same company in your new province. But there is a very good reason for this:

The Ontario Automobile Policy (or OAP1)

In Ontario, auto insurance is regulated such that all insurance companies sell the same product. That product is called the ‘Ontario Automobile Policy- OAP1’. So the insurance companies that operate in Ontario are licenced to sell only a policy that is specific to Ontario and is not valid or offered to people outside of Ontario.

So even though you would like to keep the same company, you are not able to keep the same policy, for the simple reason that the Ontario Automobile Policy is only licenced to be sold in Ontario to Ontario residents.

It would be like wanting to keep your OHIP in a different province. Both are insurance policies that are specific to Ontario, the only difference being that auto insurance is sold by private companies in most provinces and not the government.

Reminder: B.C., Saskatchewan and Manitoba have a public insurance scheme in which the government is the exclusive seller of car insurance, but the same rules apply.

How Much is the Cancellation Fee? Shouldn’t I Be Getting a Refund?

If you paid your yearly premium upfront and in full, then yes, you will get a refund if you cancel your policy halfway through the term. But you will still be paying some sort of cancellation fee in order to compensate the insurance company for costs they have incurred.

If, on the other hand, you do as most people do and pay that premium through monthly installments, then the calculations get a little more complex depending on how many installments have been paid, how early you canceled your policy, and how many days into a month the cancellation occurs. This can sometimes result in you owing more money.

Pro-rata V Short-rate Cancellations

You will only get what is called a “pro-rata” cancellation, which refunds you the full amount of your unused portion of your premium, if the company itself decides, for whatever reason, to cancel the policy.

But when it is you who is canceling the policy early, a short-rate cancellation table is the standard way in Ontario of calculating the outstanding amount. A short-rate calculation means you are not entitled to a refund proportionate to the coverage period left in that term, as the company will retain a certain amount of the refund as a penalty.

The reason: As you might imagine, the average cost of insurance and administration is higher for policies priced over a shorter amount of time. The main reason for this is that most administration costs are upfront for the insurance company, but they spread that cost over the full year term.

So when you cancel a policy early the company has a right to impose a penalty to make up for the portion of those administration costs that have not yet been paid. As an example of how they calculate this amount, here is a slimmed down version of a short-rate table insurance companies might use:

Days Policy in Force% of Premium Retained

As you can see, the earlier you cancel the policy the larger the proportion of the premium the insurance company will retain. Even though 10 days in you have only used about 3% of your policy, they will retain 10% of the yearly premium. This disparity lessens as the policy’s term comes closer to its end date.

Keep in mind, every company uses its own unique short-rate table. Some companies start as high as 25% from day one. While others might add on other charges. Before you move, check with your insurance company as to what these charges and fees will mean to your wallet, as they vary from company to company.

Insurance tip

Remember to Bridge the Gap!

Make sure there is no lag time between policies. You don’t want to be driving in your new home province without coverage. And keep in mind that a gap in your coverage history can affect your overall rating and increase your premiums.

How Long Can I Drive Out of Province on my Current Policy?

If you are taking up residence in another province, you have a certain grace period in which to change your insurance and registration. This grace period is determined province to province. In Ontario it is 30 days, but can be as high as 90 days in others. Check with your local registry agent and insurance broker to find out how long you have.

If, on the other hand, you are merely spending the summer months on the coast in order to take advantage of your ability to work remotely, and are not intending to reside their permanently, this should cause no problems for your current Ontario insurance policy. You will still be covered, and there’s no need to change your policy.

Just keep in mind that if that temporary working vacation involves you using your car more on a daily basis because you’ve decided to work even more “remotely” than usual, you should notify your insurance company, as your premiums are partly calculated on how much you use your car and what you use it for.

Does My Insurance Experience Move Along With Me?

Yes. Wherever you move within Canada and the United States you will not have to pay the rates of a new driver. But there are a couple of things you should do before you move:

  1. Request a “Letter of Experience” from your current insurance company. This will provide information about your insurance history, such as:
  • Total time insured
  • Any previous policy cancellations
  • All claims filed against the policy
  1. Obtain a copy of your “Driver’s Abstract” from Service Ontario. This provides information about your driving history, such as:
  • Any conditions or restrictions imposed on you
  • Driver education courses completed
  • All prior convictions and demerit points
  • Any replacements, renewals, and class changes
  • Due dates for medical exams, especially for commercial drivers

These are both easier to get while you are still living in Ontario. So think ahead, and don’t let your new adventure be ruined by these unexpected details!

Moving to Ontario? Let us help get you settled…

If you’re coming this way to Ontario, let us give you a hand getting settled in our beautiful province by helping you bridge that gap and get the car insurance that’s right for you precisely when you need it…

We work with more insurers. Call us to find the best one for you.

Get a Quote Now

Contact a Mitchell & Whale broker to get a quote on Ontario auto insurance: Speak with a broker today: 1-800-731-2228

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Woman with rolling suitcase walking down the road
Car keys being handed over after purchase

New Car vs. Used Car: How Will it Affect My Rate?

Does buying a used car save you a significant portion of your monthly transportation budget? The truth is that, generally speaking, it is not necessarily cheaper to insure a used car than a new one. Much of it depends on the make and model of the particular car, the insurer you choose, and things like your driving record, your age and gender, and the amount you use your car.

Slipping into a brand new car is an unforgettable experience for almost all of us. Still, the choice between buying a new or used vehicle can be a tough one for many. To inform the discussion, we compare insurance rates for new vs. used vehicles.

Example Quotes for New and Older Vehicles

To give you an idea of what premiums you might expect to pay for new and used vehicles, we’ve run sample quotes for the same driver with a brand new car, and then with several older used cars.

Aliyah, single female, 37 years old, 1 minor ticket, Living in Toronto (Postal Code M2N)
VehicleFull CoverageBasic CoverageSavings
2021 Honda CRV EX-L 4DR AWD (Brand New)$1,956$1,47525%
2016 Honda CRV EX-L 4DR AWD (Used)$1,944$1,52721%
2011 Honda CRV EX-L 4DR AWD (Used)$1,901$1,57517%
2006 Honda CRV EX-L 4DR AWD (Used)$1,941$1,63916%

Sample of car insurance rates above provided by Mitchell & Whale’s auto insurance quoter.

Although the quotes and percentages above don’t necessarily reflect what you would see with a different driving record, different address and different vehicle, they do illustrate a general reality of auto insurance in Ontario: While premiums for optional physical damage coverage (collision and comprehensive) do come down with older cars, premiums for mandatory coverages (accident benefits, liability etc.) generally go up.

Will Buying a Used Vehicle Save Me On My Insurance Bill?

Those who own older cars do typically pay a little less for car insurance, but this isn’t necessarily because older cars are cheaper to insure. The biggest reason they are paying less is that the vast majority of cars lose value over time, faster in the first few years, and some drivers choose to remove optional coverages on much older cars.

The way insurance works is also different with a new car. Most insurers offer a waiver of depreciation for a car that’s less than 3 (or sometimes 5) years old. Meaning if the vehicle is totaled, you get a brand new car. On the other hand, if a ten-year-old car met the same fate, you would only receive enough to buy a comparable used car, which is likely less than 10% of the original value.

This disparity in potential payouts will be reflected in somewhat lower premiums for physical damage coverage, but as you can see from the table above, the cost of your basic (mandatory) insurance will go up, largely offsetting any savings. If at this point you remove all physical damage coverage, you will save some money, maybe 15-20%, but not nearly what you might expect given the diminished value of the vehicle.

The moral of the story is that your premium is affected mostly by the likelihood of you getting injured in an accident, not so much by the likelihood of having to repair or replace your car.

Should I Remove Comprehensive and Collision if Possible?

Based on industry statistics, collision coverage makes up roughly 20% of your premium and comprehensive coverage comprises just under 12%, so you may think that removing these two optional coverages is going to save you over 30% on your insurance bill.

But hold on a second. Your older car probably isn’t worth as much as the average car in Ontario, on which these figures are based. This means you won’t be saving 30% when you remove comprehensive and collision from your policy, as these coverages make up a smaller and smaller percentage of the cost.

The reality is more like this:

  • On a 10-year-old car, you might save 17-20%.
  • On a 20-year-old car, this would be more like 12-15%.

Accident benefits and third party liability are mandatory coverages in Ontario and make up the lion’s share of full coverage insurance rates. Since these coverages apply more to the people in the vehicle than the vehicle itself, these costs are not related to depreciation, and actually tend to go up with an older car. Premiums for these coverages hinge on the probability of injuries, and older cars are less likely to have the most recent safety advancements.

The Cost of Parts

Traditionally, insurance providers would sometimes reduce their rates as popular models got older since they would have more options for replacement parts. Whereas new vehicles need to be repaired using the same manufacturer’s (OEM) parts, older vehicles can be repaired with less expensive “aftermarket” parts, or parts not made by the car manufacturer itself.

Also, these days, the newer the car, the more likely it is to be equipped with enhanced safety features like backup cameras, lane departure warning and emergency brake assist, to name a few. Even though these features reduce the probability of a collision, resulting in a general reduction in the number of claims, the cost of each claim is driven up by the fact that many bumpers, windshields and even mirrors now have sensors and cameras that make them much more expensive to repair or replace.

For example, if you had a minor accident in, say, a 2005 Toyota Matrix, you could simply replace the bumper, and 500 bucks later, you’re all good. On the other hand, if you’re driving a more recent model, with all those sensors and cameras built into the mirrors and bumpers and calibrated to a computer that’s basically running your car, even a minor accident in which you merely dent the bumper can end up costing thousands of dollars.

So, as you can see, a lot depends on the specifics of the particular used vehicle you are driving, the availability of replacement parts for that vehicle, and just how “enhanced” it is.

Insurance tip

Insuring a classic car

Remember classic and vintage cars are insured in a completely different way than typical used cars. While a regular insurance policy may be a possibility, classic car coverage is most likely the way to go. This kind of coverage usually insures classic cars at a higher value than the list price, and limits mileage.

Does a Waiver of Depreciation Change the Equation?

If you are looking to minimize the effect of depreciation in the first 2-5 years of the life of your vehicle, and you want to be sure that you get a brand new replacement vehicle should your car be damaged beyond repair, you will need either GAP insurance or a Waiver of Depreciation.

Waiver of Depreciation

  • Seller: Bought through your auto insurer
  • Cost: $75 extra in the first year, and as little as $300 in the fifth year
  • Benefit: if your car is written off, your insurance company will buy you a new, similarly equipped car of the same make and model

GAP Insurance (Guaranteed Asset Protection)

  • Seller: Bought through your finance company
  • Cost: a lump sum added to your total loan amount – meaning you will pay a slightly higher monthly payment on that loan
  • Benefit: if your car is written off, any outstanding debts remaining after your Insurance company pays you the Actual Cash Value (ACV) of your car at the time of the accident are wiped clean

The fact is that both of the above are ways to increase your coverage in the event of a total loss, and both will make insuring your new vehicle somewhat more expensive. Hence, yes, it may change the equation, in that it makes insuring a new vehicle that much more expensive.

Note: A waiver of depreciation is only available to the first owner of the vehicle, while GAP insurance is typically available for any vehicle that is financed, regardless of whether it is new or used.

Can Sort it All Out for You

Here at Mitchell & Whale we know that the cost of insurance is a big factor when buying a car. So whether you are thinking of buying a new car, a used car, or even a classic car, be sure to contact a Mitchell & Whale broker, ideally before you make a decision. We can get you quotes on all the vehicles you are considering, and help you make the decision that is right for you, and your monthly budget!

We work with more insurers. Call us to find the best one for you.

Get a Quote Now

Contact a Mitchell & Whale broker to get a quote on Ontario auto insurance: Speak with a broker today: 1-800-731-2228

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Male driver behind the wheel

The Best Insurance Companies For Male Drivers in Ontario

Who are the best auto insurance companies if you’re a male driver in Ontario? The long answer is complicated, but the short answer, based solely on the prices available today, is CAA Insurance. Before you run out and buy a CAA policy though, keep in mind that based on quotes we ran for different male driver profiles, there are at least four different companies that could have your best rate. Working with an insurance broker helps match you up with the right insurer for you and your circumstances.

When looking for the best insurance company, the answer will be different depending on who you are, where you live, what you drive, etc. That’s because some companies love older drivers, and some don’t. Some want to insure people with clean records, and some would rather sell insurance only to high-risk drivers. Some insurers like to have customers in big cities like Toronto, and others consider that too risky.

The important thing is to find an insurer that wants customers like you, because then they will offer you the best rates. If you’re a male driver living in Ontario, then, which auto insurance companies are the best for you? To find the answer, we created seven different driver profiles, all male, and ran real quotes in our live quoting system. The result was pretty convincing. CAA Insurance had the best rate for four of the seven profiles, and had the lowest average premium by more than $300 a year. But three other insurers offered the best rate for at least one profile.

Important note: When shopping for auto insurance, there are several factors to consider, including coverage options, quality of service, claims satisfaction, and of course, price. Insurer rankings below are based solely on price, because that is the only factor that varies by gender. Please see our Best Auto Insurers article for more detailed information.

Key Findings

  • On average, CAA Insurance offers the lowest auto insurance rates for male drivers in Ontario, and produced the lowest quotes for four out of seven male driver profiles.
  • Four different companies (CAA, SGI, Travelers, Jevco) represent the best rate for at least one of the seven male driver profiles.
  • The highest quotes, on average, were from Travelers, yet that insurer had the best rates for one of the profiles.

The Rankings

If you want an accurate ranking of auto insurance companies for male drivers, you can’t show all the insurers in the same list. That’s because some insurance companies specialize in high-risk drivers, meaning that they automatically have higher premiums for the drivers they cover, and usually won’t even provide a quote for people with clean records or even those with minor blemishes. That said, here are the rankings for both regular market insurers and high-risk insurers.

Best regular market

  1. CAA
  2. SGI Canada
  3. Pembridge
  4. Intact
  5. Aviva
  6. Gore Mutual
  7. Wawanesa
  8. Travelers

Best high-risk market

  1. Jevco
  2. Coachman
  3. Pafco

How we rank the best insurers

To determine who the best insurers are for men, we tried to eliminate factors like age, postal code, driving record and type of vehicle, by running quotes for a number of male drivers, where all factors other than gender were variable. The idea is that if an insurer has good rates for 20-year-old AND 60-year-old men, for men driving trucks and sports cars, for men in Toronto and Belleville, then they can be said to generally have good rates for men.

So we ran quotes for seven fictional driver profiles, all male. Each had a unique location (postal code), age, driving record, type of car, and relationship status. The quotes are for imaginary people, but they do represent real prices that you could get if you shared the same personal and driving information as one of the profiles.

All quotes were based on the same coverages, policy limits, deductibles and discounts.

Meet the gentlemen:

The following drivers don’t actually exist, but the quotes we got for them are real, and reflect what someone of similar circumstances might pay for auto insurance.

  • Randall, 41, Married, Ottawa (K1L), at-fault claim in 2018
    Drives a 2008 TOYOTA 4RUNNER SR5 V6 4DR 2WD
  • Tuwile, 26, Single, St. Thomas (N5R), speeding ticket in 2019
  • Silvio, 22, Single, Orilllia (L3V), clean record
    Drives a 2021 DODGE CHARGER GT 4DR
  • Martin, 49, Common-law, Toronto (M9A), speeding tickets in 2017 and 2018
    Drives a 2018 MERCEDES-BENZ GLA45 4DR AWD
  • Teddy, 68, Widowed, Sudbury (P3C), two speeding tickets in 2019
    Drives a 2021 TOYOTA RAV4 LTD 4DR AWD
  • Ruxton, 38, Married, Pickering (L1V), clean record
    Drives a 2013 HONDA CIVIC EX 4DR
  • Sanjeev, 58, Divorced, Milton (L9T), at-fault and impaired ticket in 2019

The quotes

Insurance Rates For Men in Ontario (Yearly)


SGI Canada$2,001$2,137$2,688$2,538$1,659$2,064$2,181
Gore Mutual$1,987$1,965$4,524$2,545$2,495$1,978$2,582

How reliable are these rankings over time?

Auto insurance is a highly variable market. Individual insurance companies measure their financial results on an ongoing basis, and then adjust their rates accordingly.

The current market shows CAA Insurance offering the best rates for a lot of male drivers. This will likely result in CAA winning a lot of new business among men. How long CAA stays at the top of these rankings really depends on how good their financial results continue to be in this market segment. If their male customers start making more claims, or more costly claims, for any reason, they will have to increase premiums to make sure they have enough money to cover those claims, and hopefully make some profit.

Even if CAA keeps their rates low, if they are making a profit at those rates, then other companies will probably think they can do the same, and gain market share, by lowering their rates to compete. For all of the above reasons, one company is unlikely to dominate a given segment for very long.

Where will you find the best insurer?

The fact is there really isn’t a best insurance company for men. Not for long anyway. Right now it’s CAA, tomorrow it may be Aviva or Wawanesa. And then it’ll change again. And as the quotes above show, the best insurer for most men may not be the best rate for you. The one thing we can tell you for sure is that Mitchell & Whale is the best place to buy your auto insurance. Whether you’re male, female or non-binary, we work with most of the top insurance companies in the country and will be able to find you the best insurance company for you that day. If they stop being your best insurer, stick with us, there’s always other options.

Last year's best fit for auto insurance may not be this year's. Get a quote today.

Get a Quote Now

Contact a Mitchell & Whale broker to get a quote on Ontario auto insurance: Speak with a broker today: 1-800-731-2228

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Female driver

The Best Insurance Companies For Female Drivers in Ontario

What are the best auto insurance companies for women in Ontario? Well, if you’re going strictly on price, it’s CAA Insurance. But that doesn’t mean every woman in Ontario should switch to CAA. Depending on your age, where you live, and your driving record, there are four different companies that could have your best rate. Shopping the market with an insurance broker is the best way to find it, and the only way to keep it in the long term.

Insurance companies tend to specialize in particular types of risks. Some look for drivers with perfect driving records, some target people over 40 or 50 years old, and some target new drivers or those with spotty records. So, which are the best auto insurers for women? To find out, we did a side-by-side comparison of rates from some of the most popular insurers we work with. The simple answer for most women right now is CAA Insurance, but as usual, the answer is more complicated than that.

Note that the rankings in this piece are based solely on price. There are a number of factors that you should consider when shopping for auto insurance, but price is the only one that varies by gender. Please see our Best Auto Insurers article for more detailed information.

Key Findings

  • On average, CAA Insurance offers the lowest auto insurance rates for female drivers in Ontario.
  • Four different companies (Aviva, CAA, SGI and Jevco) represent the best rate for at least one of the seven female driver profiles we created for this piece.
  • Aviva only has the fourth best rates on average for women, but has the best rate for two of the seven profiles.

The Rankings

In the insurance world, there are “regular market” insurers that insure maybe 95% of all drivers, and then there are “high-risk” or “residual market” insurers that insure the rest. The two can’t be compared in terms of rates, because obviously, high-risk insurers charge more. Here are the rankings for both.

Best regular market

  1. CAA
  2. SGI Canada
  3. Pembridge
  4. Aviva
  5. Intact
  6. Gore Mutual
  7. Travelers
  8. Wawanesa

Best high-risk market

  1. Jevco
  2. Coachman
  3. Pafco

How We Rank the Best Insurers

In order to get a good idea of the kind of rates that female drivers across the province can expect from different insurance companies, we created seven different driver profiles, all female, that vary in age, relationship status, location and driving record. We also gave each one a different vehicle. Then we ran quotes for each in our quoting system. The people are fictional, but the prices below are an accurate reflection of what a driver with the same rating factors would pay in the real world if they called us for a quote today.

So that we could compare apples to apples, all the quotes were run based on the same coverages, policy limits, deductibles and discounts.

Meet the ladies:

  • Ann, 22, Single, London (N6J), speeding ticket in 2020
    Drives a 2020 MAZDA3 SPORT GT i-ACTIV 5DR AWD
  • Imani, 38, Married, Kingston (K7M), clean record
    Drives a 2018 HONDA ACCORD EXL 4DR
  • Marta, 46, Common-law, Toronto (M5M), speeding tickets in 2014 and 2019
    Drives a 2014 DODGE GRAND CARAVAN SE
  • Rosana, 68, Widowed, Sault Ste. Marie (P6B), speeding tickets in 2018 and 2019
    Drives a 2021 TOYOTA RAV4 LTD 4DR AWD
  • Eileen, 19, Single, North Bay (P1A), clean record
    Drives a 2008 DODGE RAM 1500 SLT REG CAB 4WD
  • Shab, 40, Married, Carleton Place (K7C), at-fault claim in 2015
    Drives a 2017 TOYOTA CAMRY SE HYBRID 4DR
  • Althea, 55, Divorced, Mississauga (L5R), at-fault claim and careless driving ticket in 2019
    Drives a 2016 FORD F150 XLT SUPERCREW 4WD

The quotes

Insurance Rates For Women in Ontario (Yearly)


SGI Canada$3,470$1,314$2,654$1,440$2,781$1,453$2,185
Gore Mutual$5,035$1,214$2,948$1,782$3,124$1,527$2,605

1 Note that Althea is considered a high-risk driver, and so her quotes have not been included in the averages, because she will only get quotes from high-risk insurers.

These rankings will change over time

The reality of the insurance market is that one company is never the most affordable for long. Each company closely monitors its claims costs, and compares them to its premium revenues. The idea is that the premiums should be enough to pay for all the claims, with a little left over (ideally 10-15%) for profit.

Right now, because CAA Insurance has the lowest rates for women, they will win a lot of new female customers. Over the next few months and years, they will find out whether the premiums they charged were enough to cover claims. If they’re not, you’ll see their rates go up gradually until they reach what we call in the business “rate adequacy”.

But even if CAA’s claims costs stay low and their rates don’t go up, the likelihood is that one of the other insurers will realize that their claims costs are also quite low, and they will reduce their rates hoping to attract more customers, while still making a profit. So from year to year, it’s likely that the best insurer for you will change over and over again.

How to Get the Best Insurer Every Time

The only way to always have access to the best rates is to work with an independent insurance broker like Mitchell & Whale. We work with most of the top insurance companies in Ontario, so although their rates may go up and down, YOUR rate will always be the best available at that time. Call us today to talk to one of our experienced brokers about all your insurance requirements. We may be the last insurance provider you’ll ever need.

Last year's best fit for your auto insurance may not be this year's. Get a quote today.

Get a Quote Now

Contact a Mitchell & Whale broker to get a quote on Ontario auto insurance: Speak with a broker today: 1-800-731-2228

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Essential reads

Our most popular home insurance posts and resources. Whether you're looking to insure your first home or shopping for better coverage, this is your first stop to catching up on the essentials of home insurance in Ontario.

What Questions Do I Need to Answer to Get Home Insurance?

Shopping for home or tenants insurance in Ontario is not quite as straightforward as shopping for auto insurance. That’s because the government has very strict rules for auto insurance, but not for home insurance. Insurance companies can determine your premium based on whatever risk factors they think are most important. (For auto insurance, certain factors are banned.)

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Home insurance questions for quote
Best home insurance companies in Ontario

The Best Home Insurance Companies in Ontario

There are more than 40 different insurance companies that offer home insurance in Ontario. It can be difficult to tell one from the next sometimes. A lot of them seem to offer similar things, so how do you know which one to choose? There’s no one answer, but there are certainly ways to narrow it down.

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Best auto insurance companies

The Best Car Insurance Companies in Ontario

Ontario has about 12 million registered vehicles and only about 11 million people who are currently of driving age. Long story short, if you’re an adult living in Ontario, there’s a good chance you need car insurance. But you probably see ads for dozens of different insurance companies every week, and they all say that they’re the best, that they offer the best rates, and that they give you the best service if you have to make a claim.

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