How cheap can you get car insurance in Ontario?
 

This is a pure curiosity question. We just got our car insurance renewal which has actually gone down. Now paying $191/month. This is for 2 cars, a 1993 Honda with basic liability and a 2004 Jaguar with comp and collision (but $1000 deductible on both). Seems the Jag costs $1210/year and the Honda $929! I have the advantage of my wife having been born in Ontario and having had a license for ages, so both cars and the insurance is in her name.

Anyway, I'm not too unhappy with this, but wonder what the least anyone pays for insurance in Ontario is? Is there a point below which you will never go - however old, good a driver, and crap a car you drive?

Re: How cheap can you get car insurance in Ontario?
 

My car is aging. I pretend to live in the country. I have huge deductibles. I'm the only listed driver. The premium is about $450 a month. Am I the not cheapest?

Re: How cheap can you get car insurance in Ontario?
 

You are paying a premium for the vase. Did you see VW have eliminated it in the new models? Apparently they are hoping to attract a different demographic.

Re: How cheap can you get car insurance in Ontario?
 

I did see that. Homophobia, I suppose.

Re: How cheap can you get car insurance in Ontario?
 

Yes, I'm sure the dog wouldn't feel the same.

Re: How cheap can you get car insurance in Ontario?
 

I love car insurance threads when your premium is revealed. :p You should certainly win a prize for paying the most car insurance. Maybe a flower for the vase.

Re: How cheap can you get car insurance in Ontario?
 

Sorry I'm not answering your question....but is this allowed in Ontario? I recently insured two vehicles for my wife and I in NS.....I was told by the broker that the primary driver of each relevant vehicle had to be the one named as the principle on the vehicle insurance.

Re: How cheap can you get car insurance in Ontario?
 

officially if there are 2 vehicles in the household there can only be one primary driver per vehicle, with adults of similar age and driving history it wouldn't make much difference, however different when this occurs with young drivers in the household

Re: How cheap can you get car insurance in Ontario?
 

I'm not sure "allowed" is the word. The way it works is that one driver is assumed to be the principle on each car. So, in the case of a colleague where the true situation is that he drives one car, his wife another and there's a third car used on sunny Sunday afternoons, the 18 year old son, who's rarely allowed near any of them, is deemed to be the main driver of the Sunday car. This results in a premium of over ten grand a year which, perhaps unfairly, makes me chuckle.

Re: How cheap can you get car insurance in Ontario?
 

The insurance is in my wife's name - as are both cars. However, despite it being a lie, and I have asked this to be placed on record with them, I am named as main user of the Honda (actually named is wrong, as I am not named on the policy at all, but am on record with them in some way). This is why that is relatively more expensive than the Jag. We spent a long time explaining that I am an occasional user on both cars, we only use them at weekends, neither of us drive to work, and so my wife is the principal user of both cars. No good. They insisted we lie and name me as main user on one. Obviously it is cheaper for it to be the Honda.

Absolutely stupid that they prefer a lie to the truth. At least it is their lie and not mine.

I put it down to the fact that they simply can't deal with the idea that people might actually prefer to take transit and not drive.

Might be time for another conversation tomorrow around this, it is quite fun :)

Re: How cheap can you get car insurance in Ontario?
 

Ive been here 13 collision free years and am paying $960 for the Subaru (in wifes name) and an eye watering $1400 on the civic in mine. Both are fully comp, $2M liability and $500 deductables, and includes multicar and home policy discounts, plus a discount for using snow tires. And I shop around!

Its such a bloody rip off, makes my eyes water to think about it compared to what my relatives in the motherland pay.

Re: How cheap can you get car insurance in Ontario?
 

I'm 23, girlfriend is 22 and we have a 2011 Ford Escape. Paying $3,500/yr and that's also with home policy, snow tyre etc discounts.

Hoping once I hit 25 that I might see a big reduction.

In honesty I had to list myself as principal driver, even though as my girlfriend's Canadian it would have been much cheaper to have her as principal.

Re: How cheap can you get car insurance in Ontario?
 

I arrived last month and brought with me 6-years' of non-standard no-claims letters and my driving record from the DVLA (as per the Wiki guide). I went with Johnson.ca and I'm paying $1,700/year for a 2008 Hyundai Elantra with me as the main driver and my wife as named. The deductible's $500 and the liability $2M ;)

Re: How cheap can you get car insurance in Ontario?
 

Can I ask where you're based? We had a decent quote of that order last month from Johnson's but they've just written to me saying they can no longer provide 'competitive quotes' for people in 'my situation' (expat, no cdn driving history, but good proof of Uk history).

Anyone via broker or otherwise had good experience with an alternative insurance company? We can give docs for 6 clean years in the Uk before we came last June. Ta.

Re: How cheap can you get car insurance in Ontario?
 

If you are paying $5400 p/a for an aging car with huge deductibles then at some point your driving/accident record is coming in to play.

Re: How cheap can you get car insurance in Ontario?
 

I'm near Barrie. I looked up the nearest Johnson.ca point of contact and rang them. I also did my home insurance through them too but it only saved about $50 combining them.

Re: How cheap can you get car insurance in Ontario?
 

G'won!

Re: How cheap can you get car insurance in Ontario?
 

I may as well use this thread instead of starting another. I've had my licence for 5 years (I'm 23, got it when I was 18) and I'm moving to the GTA next month. I've never owned a car but have been a named driver on my brother's insurance since I passed my test. Am I pretty much screwed for insurance when I get to Canada? My partner is Canadian - would it be easier if I went on his insurance? Should I still contact the insurance company my brother is with or will that not make a difference?

I'm worried - I know insurance is expensive for people my age in Toronto anyway. I can contact the DVLA and get a driving history, but I don't know how much difference this will make. Any advice would be appreciated!

Re: How cheap can you get car insurance in Ontario?
 

Having had the insurance in place about 6-weeks they did come back to me and ask for my wife's driving record from the DVLA (originally they were happy with just mine). Apparently their underwriter was asking for it. I got that within a couple of weeks and all's been well since then.

Re: How cheap can you get car insurance in Ontario?
 

do tell who do you use :confused:

Re: How cheap can you get car insurance in Ontario?
 

i used these people:

SmartCoverage Insurance

* [email protected]

( 1-866-379-8093

7 1-800-668-6689

Showed them a copy from my uk insurance company of proof of NCB and my paper-part uk driving licence. Im 25yr old male living in brampton (most highest insurance in canada!!!) with a 2009 civic, paying $2300 on my first ever policy in canada.

Re: How cheap can you get car insurance in Ontario?
 

Are both vehicles listed as being driven to and from work?

Re: How cheap can you get car insurance in Ontario?
 

No.

Re: How cheap can you get car insurance in Ontario?
 

I'm guessing then that yours is and your wife's isn't.

Re: How cheap can you get car insurance in Ontario?
 

I think we have the Honda down as my daily driver. Not sure it makes a lot of difference.


Now my OH is a "professional driver" maybe it will come down....

No, Im not optimistic either:lol:

Re: How cheap can you get car insurance in Ontario?
 

Not sure the professional driver part will make a difference, hopefully it will.

If you tell the insurance company now both vehicles are being driven to a work place I would suspect one will go up. It does make a difference although I wouldn't expect a change in the magnitude of $400+.

I know ours dropped when we informed the insurance company that neither of us were working anymore but not by a huge amount.

Re: How cheap can you get car insurance in Ontario?
 

We went with TD insurance and got car insurance for two cars, a new Nissan Sentra and a 2006 Kia Rio for $293 per month, home for $54 per month. We had to do our driving test again here so we didn't use any of our previous history, nor were we asked for it. Our age was with us I think, we're both 40.