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5 Ways to Get Affordable Car Insurance in Ontario

5 Ways to Get Affordable Car Insurance in Ontario

5 Ways to Get Affordable Car Insurance in Ontario

If you’re looking for an affordable car insurance, you’re in the right place. Getting a great car insurance rate is easy if you know what to look for and how to access the discounts. Even if you already have insurance that you feel is affordable, you could still save money! The process for getting cheap car insurance starts with working with an insurance broker. The benefit of getting a car insurance quote with us; either online or over the phone; is that you can compare the rates of over 30 insurers. This will enable you to find the most affordable Ontario car insurance on the market. We’ve also created a detailed list of ways to save on car insurance. You may want to familiarize yourself with this list and then get a car insurance quote from us to see how much you can actually save!

Raise your Deductible to Get Cheap Car Insurance

Raising your deductible is one of the quickest ways to lower your insurance rate. The deductible is the amount that you need to pay out of pocket for any expense that occur when making a claim. Keep in mind, car insurance helps you in the event of a major financial crisis, so don't pick a deductible you can't afford. If you raise your deductible, keep an emergency account that will cover that amount as a safety net. 

Save on Car Insurance by Bundling your Policies

If you want to save money, it’s important that you take all your insurance policies and place the coverage through one carrier.  In other words, bundle them.  If you don’t, you are leaving money on the table. This may sound confusing but don’t worry, at Ensurco, our licensed advisors will assist you through the entire process.

Drive Less and Let Your Insurer Know

Your premium is based on a number of factors including the distance you drive to and from work and your overall annual mileage.  If your commute to work and your annual kilometers travelled is less, you should notify us so that we can adjust your premiums downward.  Working from home and not having to commute to the office for example, should impact your premiums in a positive way. This is because your risk of accident lowers the less time you spend on the road.

Pick a Car that Costs Less to Insure

For obvious reasons, the car you drive has a direct impact on the amount you pay for insurance. A sports car will be more to insure than a minivan. That's something to consider when buying a car. For reference, here are ten cars that are more likely to be less expensive to insure: Mazda 3, Volkswagen Jetta and Golf, Ford Fusion, Hyundai Accent and Elantra, Toyota Corolla and Camry, Honda CRV and Chevrolet Cruze.

See if You Qualify for Lifestyle Discounts

If you're an ‘A' student you could save up to 20%. As well, seniors with good driving records may be eligible for a lifestyle discount. If you drive an electric car, some insurers offer a discount.  Connect with us, we’ll make sure you’re getting all applicable discounts!!

Compare Car Insurance Policies to Get Cheaper Rates

Okay so why wait?  Go online through ensurco.ca and compare your current rate with the rates of over 30 insurers. We’re here for you!
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  • Rasoul K.

    What our clients say

    After talking to many different insurance companies, I spoke to Ensurco New Business Team. They returned my call quickly, provided the best rate and helped me set up a home insurance policy within an hour. Great service!

    Rasoul K.
  • Edward L.

    What our clients say

    I recently sent Ensurco an email requesting changes to my auto policy. I got a quick response. All the changes were completed in a timely manner and I received a detailed email with my billing schedule attached.

    Edward L.
  • Maria L.

    What our clients say

    Amazing staff to deal with. Very fast and efficient. My broker explained the difference between condo insurance and condo corporation insurance.  Thank you!

    Maria L.
  • Michelle B.

    What our clients say

    I was in a time crunch to get an auto application done on a Friday afternoon as I was picking up a new car. I called my customer service rep at Ensurco and she was able to get me a quote, provide an application and even send confirmation to my dealer with a liability slip. Keep up the good work.

    Michelle B.
  • Kelly S.

    What our clients say

    As a high risk driver, I was looking for a good rate as well as good coverage. I spoke to an Ensurco broker who helped me set up a 6 month policy so that I can eventually move to a regular market at less premium. You guys came through when no one else cared.  Thank you so much for your help. :)

    Kelly S.
  • Mark C.

    What our clients say

    When my son and I decided to travel to Calgary for a week, I called my broker at Ensurco who was able to provide me with great coverage at a really good price. I got my travel documents by email within 10 minutes. Exceptional timing!

    Mark C.
  • Don S.

    What our clients say

    Claims service! Most people dread talking to an insurance company or broker to report a claim. But I recently called my insurance broker at Ensurco about a possible water damage claim. He was able to guide me through the process.  The decision was mine as to whether or not I would proceed with the claim.  If so, he explained that he could connect me directly with the insurance company adjuster and resolve the issue. Great advice and great service.  Thanks Ensurco!

    Don S.