The Ultimate Guide to Car Insurance in Ontario

By Daniel Schoester | Published on 17 Jul 2023

City street with clock tower in background
Share with FacebookShare with FacebookShare with TwitterShare with TwitterShare with Twitter
Table of Contents
    The 4 types of mandatory car insurance in Ontario

    Ontario residents pay an average of $1,655 per year on Car insurance, which is about $138 monthly. The most expensive city is Vaughn, with an average cost of $2,179. Smaller towns generally are the least costly, with Kendal costing $1,271 on average.

    However, many more factors than your location determine the cost of insuring your car. In reality, insurance companies review your type of car, driving record, and personal information. They use this data to determine the probability you’ll need to make a claim. This calculates your monthly payment, otherwise known as a premium.

    Since car insurance is mandatory in Ontario, understanding how it works is a massive benefit. This guide will walk you through everything you need to know to compare car insurance in Ontario, including the different types of coverage, where to get quotes, and the factors that influence your monthly payment.

    Car Insurance In Ontario Explained

    Auto insurance is required in Ontario because it provides financial protection when it isn’t your fault. If an accident injures you, you will receive compensation through a simplified process. This prevents the need to hunt down the person at fault, who may not pay you.

    Claims & Deductibles

    Your insurance company pools your monthly payment with other customers to form a fund. The insurance company will withdraw from the fund to cover your damages when necessary. However, they will only cover up to your policy amount, and you’ll have to pay the deductible. Your deductible is a pre-determined amount you’ll need to pay out of pocket when an accident happens. 

    Insurance Premiums

    Your monthly payment is also known as your premium. Your premiums will increase if there’s a greater chance of making a claim. Additionally, your premiums will increase with more coverage. Not all coverages are mandatory in Ontario. However, you also don’t want to be in an accident without adequate coverage. As such, it’s essential to educate yourself on the different types of policies to determine what you need. The following section will explain the different types of car insurance coverage.

    Source: Lowest Rates, 2022

    The Four Types Of Mandatory Car Insurance In Ontario

    You’ll need four mandatory coverages to drive a car in Ontario. This includes third-party liability, accident benefits, uninsured automobiles, and direct compensation. While this section explains the mandatory coverages, the following discusses the optional coverages and add-ons. Canadians commonly use additional coverage, but you may not think they’re necessary.

    1. Third-Party Liability Coverage

    Third-party liability coverage pays for eligible damages and injuries to other people. This commonly includes medical bills, lost wages, and property damage. It will not cover your medical expenses or damage to your vehicle. To protect yourself in those cases, you would need additional coverage, such as collision or comprehensive coverage.

    In Ontario, it is mandatory to have a minimum of $200,000 in third-party liability coverage. However, most people choose to have higher amounts for added protection. You could be personally responsible for the additional costs if the damages exceed your coverage limit.

    2. Accident Benefits

    Otherwise known as statutory accident benefits schedule (SABS), this coverage is to pay for your health treatment. This insurance commonly covers your medical expenses, rehabilitation costs, and lost wages if you or anyone in your vehicle is injured in an accident, regardless of who is at fault. However, you likely won’t receive compensation for injuries received while committing a crime or while driving under the influence of drugs or alcohol. 

    It’s different from the other mandatory policies because it only pays for the health treatment of yourself and your passengers. It’s different from third-party, which covers damages and injuries to the other person affected. It also shouldn’t be confused with collision coverage, which pays for damages to your vehicle. 

    In Ontario, it is mandatory to have a minimum of $65,000 in accident benefits coverage. It’s also worth noting that you may need more than the minimum coverage to fully protect yourself in a severe accident. If you need long-term medical care or rehabilitation, the costs can quickly increase and exceed your coverage limit.

    3. Uninsured Automobile Coverage

    Unfortunately, some people will drive vehicles without any insurance coverage. If they hit you and are at fault, they won’t have any insurance to pay for the damages. Sometimes, the other driver will leave the scene in a hit-and-run accident. In this scenario, their insurance won’t apply to you either. 

    As a result, uninsured automobile coverage will pay damages to you if the other person doesn’t have insurance. In Ontario, the minimum coverage is $200,000 for uninsured automobile coverage. However, you may choose to have higher coverage limits for added protection.

    4. Direct Compensation Property Damage

    Direct Compensation Property Damage (DCPD) covers repairs for your vehicle when you’re not at fault. It’s called direct compensation because you are paid directly by your insurance company. In other words, if you’re in an accident with someone else and their insurance company denies liability, DCPD can help you get the damages repaired or replaced. 

    In Ontario, it is mandatory to have a minimum of $200,000 in direct compensation property damage coverage. This coverage will not cover repair costs if you are at fault or the damages exceed your coverage limit. To protect yourself in those cases, you would need additional coverage, such as collision or comprehensive insurance.

    Source: Lowest Rates, 2022

    Types Of Optional Car Insurance in Ontario

    You can think of the mandatory options as the bare minimum protection in Ontario. They will only cover your health, along with the vehicle and health of the other party. If you’re at fault, your car will not be covered.

    To fill the coverage gaps, there are additional types of insurance available. This section will explain the various types of automobile coverages and add-ons. However, enhancing your range will also increase your monthly payment.

    Collision Coverage

    Collision coverage pays for repairing or replacing your vehicle if it is damaged in a collision, regardless of who is at fault. This is different from third-party, which covers the other person’s property. In Ontario, collision coverage is optional and purchased in addition to the mandatory car insurance coverage required by law.

    Collision coverage does not cover non-collision-related damage to your vehicle, such as theft, vandalism, or natural disasters. You would need comprehensive coverage, yet another type of car insurance.

    Comprehensive Coverage

    Comprehensive car insurance covers damage to your vehicle caused by non-collision events. This generally includes theft, vandalism, fire, and natural disasters. In Ontario, comprehensive coverage is optional and purchased in addition to the mandatory car insurance coverage required by law. Comprehensive coverage does not cover damage caused by an accident or collision. You would need collision coverage for that.

    Specified Perils Coverage

    Specified perils coverage protects certain types of damage to your car, such as fire, theft, vandalism, hail, lightning strikes, or explosions. It only covers the perils specifically listed in your policy and nothing else. As a result, this coverage is usually less expensive than comprehensive coverage. In Ontario, specified perils coverage is optional and typically purchased in addition to the mandatory car insurance coverage required by law.

    Common Add-Ons

    On top of your insurance coverage, many companies offer add-on services. However, this may increase the cost of your monthly premium. Common add-ons include;

    • Roadside Assistance: Pays for towing services and other emergency help if your vehicle breaks down.
    • Rental Car Coverage: Protects your rental car from damages due to an accident or other covered event.
    • Extended Coverage: Increases the coverage limit in the policies of your choosing.

    Where to Get Car Insurance Quotes

    There are three broad options for where you can buy car insurance. The best choice will vary with your personal preferences. This section will walk you through each option and the requirements to get insured.

    • Direct from the Insurer: The fastest way to get insurance is directly applying with a company. This is generally done online or through the phone. However, you will have little customization and could miss some great policies.
    • Agent: Insurance companies also have agents if you need more assistance. They’ll guide you through all the offerings offered by the company. However, they won’t be experts in policies offered by other companies.
    • Broker: Insurance brokers work with many companies and can help you compare policies. They offer the most selection and may help you find the cheapest policy. However, they often charge an additional fee.

    Regardless of where you get car insurance, you must provide some basic information. Initially, you’ll need to provide personal information. This includes your diver’s license, address, age and gender. Insurers typically also want to know if you took driving school courses or have made any insurance claims.

    Next, you’ll also need to provide information on your vehicle. This includes the year, make, model and kilometres. Also, expect to provide information on how you plan to use the car and estimate your expected annual kilometres.

    Step-by-Step Guide To Getting Car Insurance In Ontario

    Securing car insurance in Ontario doesn’t have to be a daunting task. With these steps in mind, you’ll be well-equipped to navigate the process, allowing you to cruise the open roads with confidence and peace of mind. Remember, the journey to finding the right car insurance policy is as much about safety and protection as it is about savings. Here’s how to get car insurance in Ontario:

    Step 1: Understanding Your Needs

    Before you start shopping around, it’s crucial to understand your own unique requirements. Evaluate how your car will be driven and consider who will be driving your car such as friends, family, and your children (when the time comes) as well as how often other people will need to drive your car.

    Then reflect on the coverage level that will best fit your lifestyle and needs. Is the bare minimum enough, or would a comprehensive plan provide the peace of mind you’re seeking? Your answers will set the stage for your insurance shopping expedition.

    Step 2: Embrace the Power of Research

    The world of car insurance in Ontario is not a one-size-fits-all scenario. Each insurer has its own formula for calculating premiums, meaning rates can vary dramatically from one company to another for the exact same coverage. Turn detective and uncover what factors insurers consider when determining your rates – these typically include your driving history, the type of car you drive, your location, and the amount of coverage you select.

    Step 3: Time to Shop Around

    Now that you’re equipped with knowledge, it’s time to hit the (virtual) pavement. Use online platforms to instantly compare quotes from multiple insurance providers.

    Look for a balance of reasonable cost and sufficient coverage. Don’t be shy to ask questions, either. The best insurance providers in Ontario will be transparent and ready to assist you.

    Step 4: Seek Out Discounts

    Insurers often offer a variety of discounts that you may be eligible for, such as those for being a safe driver, bundling multiple types of insurance, installing anti-theft devices, or for students with good grades. Be sure to ask about these potential savings when talking to insurance providers.

    Step 5: Review and Confirm

    Once you’ve narrowed down your choices, take a moment to review everything. Compare the final contenders, taking into account their coverage, cost, and customer service reputation. If you’re torn between options, it might be helpful to make a good old-fashioned pros and cons list.

    Step 6: The Final Purchase

    When you’re satisfied with your selection, it’s time to make the final purchase. Contact the insurance company to initiate the policy. They’ll walk you through the process and explain the necessary documents, which typically include your driver’s license, vehicle registration, and payment details. Once everything is submitted and approved, you’ll receive your insurance card or “pink slip” as proof of insurance.

    How long will it take?

    The actual time it takes can range from a few hours to a couple of days, depending on the complexity of your driving history and the efficiency of the insurer. Once you’ve provided all necessary information, received a quote, and agreed to the terms, your insurance company will process your application. In most cases, you can get an active car insurance policy the same day you apply, often in just a few short hours (or less!).

    Once your application is successfully processed, your policy could be activated almost immediately. You’ll then receive your proof of insurance, or the coveted “pink slip,” which you should keep in your vehicle at all times. So, buckle up and enjoy the ride, because getting car insurance in Ontario can be as smooth as a Sunday drive through the countryside.

    The Five Factors That Decide The Cost Of Car Insurance In Ontario

    A higher probability of making an expensive claim will increase your insurance cost. Insurance companies evaluate loads of data to predict the likelihood of needing to make a claim. Most importantly, this includes your vehicle, driving record, neighbourhood, and personal details.

    In addition, your coverage amount and deductible will influence the total payout your insurance provider may need to make. Your premium will increase with more coverage and a lower deductible. The remainder of this section goes deeper into each factor.

    1. Vehicle

    Some cars are more expensive to repair and replace. As a result, you’ll need to pay a higher premium. For example, a sporty model with several performance features will be more expensive to insure than a family sedan.

    2. Driving Record

    Your driving record can impact your insurance rate. You’ll likely get a lower premium if you don’t have any violations, such as speeding tickets or DUIs. This is because there is less probability of needing to make a claim.

    In addition, insurance companies also review your demerit points. These are infractions added for breaking specific traffic laws. For example, making an improper right turn results in two demerit points, while you’ll get six points for careless driving. A higher amount of points will increase your insurance costs because you are deemed a riskier driver.

    3. Neighbourhood

    Your insurance premium will increase if your neighbourhood has a higher population density or an increased chance of theft and vandalism. For example, residing in a densely populated urban area will increase the number of cars on the road. This could increase the chance of a collision, resulting in more significant insurance premiums.

    4. Personal Details

    Details such as your age and gender are two key factors that can influence your car insurance premiums. For instance, insurance companies view drivers under 25 as riskier to insure due to their lack of experience behind the wheel and tendency to engage in risky driving behaviours. As a result, younger drivers typically pay higher insurance premiums than middle-aged drivers. Similarly, men are more likely to get into accidents than women, and this difference is reflected in their insurance premiums. Men usually pay more for car insurance than women.

    5. Insurance Coverage

    Your premiums will increase as you add more policies and coverage amounts. For example, adding collision coverage and roadside assistance will increase your premiums. This increases the amount your insurance company may have to pay. 

    In addition, a lower deductible will increase your premiums. Your deductible is the amount you’ll need to pay out of pocket when making an insurance claim after an accident. With a lower deductible, your insurance company will need to cover more expenses in the event of a claim.

    How To Reduce The Premiums On Your Car Insurance In Ontario

    Navigating the landscape of car insurance premiums in Ontario can feel challenging, but there are several effective strategies to help bring costs down. In this section, we’ll explore ways to reduce your auto insurance cost without compromising your coverage, offering you peace of mind while safeguarding your wallet.

    Bundle with Home Insurance

    One way to reduce the cost of premiums is by bundling with other insurance policies, such as home insurance. When you purchase multiple policies from the same provider, you can often get discounts of up to 20 percent off your total premium.

    Increase Your Deductible

    Choosing a higher deductible on your policy can reduce your premiums. A higher deductible means you’ll need to pay more out-of-pocket if you make an insurance claim, so you should only choose this route if you’re confident in your ability to cover the cost of repairs.

    Increase Your Safety Ratings

    Safety features like car alarms and anti-theft devices can sometimes qualify for discounts. This is because these features help to reduce the risk of theft or vandalism, making them less likely to result in large insurance payouts. Additionally, your insurance provider may offer discounts for courses on defensive driving and other safety topics.

    Negotiate & Shop Around

    It’s always worth contacting your auto insurance provider to see if they can offer you a better rate. Be sure to include pertinent details, such as recent improvements in your driving record and vehicle model. Additionally, be prepared to shop for different providers using an insurance broker.

    Insurance brokers are professionals who can help to find the most suitable insurance policy for your needs. They work with multiple providers, allowing you to compare and contrast policies and coverage levels. This approach can reduce your monthly premiums without sacrificing quality coverage.

    Some of the best car insurance companies in Ontario include:

    Surex – Online Brokerage

    Surex, a renowned Canadian insurance brokerage, prides itself on assisting customers in comparing car insurance quotes from Ontario’s top insurers, helping them find the ideal quote within ten minutes. This could save you hundreds of dollars each year.

    The platform’s dedicated Licensed Insurance Advisors play a pivotal role in helping you through the entire process. They’ll even help you through the steps of making your final purchases, all through the website.

    YouSet – Online Brokerage

    YouSet is a distinguished insurance brokerage, serving clients in Ontario and Quebec. The platform is best known for comparing car and home insurance options that can save you up to 29% on the cost of premiums. With its cutting-edge technology, YouSet sifts through thousands of algorithms to pinpoint the best insurance quote tailored for you.

    After responding to a handful of questions, YouSet’s advanced search technology takes over. The company guarantees a personalized auto insurance quote in less than four minutes. In addition to their online tool, YouSet’s helpful customer service team is accessible via online chat, email, and phone calls.

    Belaire Direct – Insurer

    Belairdirect is an Ontario and Quebec-based home and car insurance company. It offers various discounts to suit different drivers. Multi-vehicle customers can save up to 15% on their car insurance, and customers can access major savings when they bundle home and car insurance in Ontario.

    Belaire also prides itself on first-rate customer service and has been awarded prizes for best call centre management. Some of Belairdirect’s service features include an online chat with certified insurance agents, free online quotes, and a 30-minute claims guarantee.

    How to Make a Car Insurance Claim in Ontario

    Paying for car insurance only benefits you if you correctly make a claim. Any mistakes in this process can result in an inaccurate payment. Follow these steps to make a car insurance claim properly:

    1. Contact your insurer immediately after the incident and explain what happened. Do not admit fault, as that could affect your eligibility for claims.
    2. Take photos of the damage and record any witness statements if possible. You can also take pictures of the accident, including any skid marks or debris.
    3. If the police were called to the accident scene, obtain a copy of the police report.
    4. Start a claim and provide the necessary information. Include the date, time, location, and any witnesses names and contact information.
    5. Your insurer will assign an insurance adjuster to investigate the incident and determine liability.
    6. They may request that you take your vehicle for an estimate or inspection by an appraiser if needed.
    7. Keep copies of all documents related to the accident and your claim, including estimates, repair bills, and any correspondence with your insurance company.
    8. Once all documents are received, they will process the claim and make any payments.

    It is essential to know that you may need to pay a deductible before any claim payments are made. Furthermore, if the insurer suspects fraudulent filing, they may reject your claim. Read their policy and understand what is covered when making a car insurance claim.

    Mistakes to Avoid

    Don’t admit fault or make any statements about the accident to anyone other than the police or your insurance company. Only sign documents or accept settlement offers from the other driver’s insurance company after consulting with your insurance company or an attorney. Report the claim or provide your insurance company with the necessary information to process it. Don’t exaggerate your injuries or the damage to your vehicle. Remember to follow up with your insurance company if you are still waiting to hear back within a reasonable time.

    FAQ About Car Insurance in Ontario

    How much is car insurance in Ontario?

    Ontario residents pay an average of $1,655 per year on Car insurance or $138 monthly. However, this changes with factors such as your vehicle, driving record, neighbourhood, personal details, and insurance coverage.

    How does car insurance work in Ontario?

    In Ontario, four types of car insurance are mandatory. When making an eligible claim, you’ll make monthly payments (premiums) in exchange for financial coverage. You may want more coverage, which will generally increase your premium. Depending on the policy, you’ll need to contribute a deductible. This is the amount you pay while the insurance policy covers the remainder of the damages up to the coverage limit.

    Can I drive my parent’s car without insurance in Ontario?

    It depends on how often you plan to drive your parent’s car. Most standard car insurance policies generally allow you to drive another person’s vehicle occasionally. If you don’t intend to frequently use your parent’s vehicle, then a valid driver’s license and consent from the registered owner is typically all you need.

    However, if you anticipate driving your parents’ car on a regular basis, they should contact their insurance company to add you as a secondary driver. They’ll likely need to fill out and submit an Ontario Policy Change Form (OPCF) 27. The insurance contract defines the frequency of an occasional driver. You will need your own insurance policy if you are a car’s primary driver.

    Who can drive my car under my insurance in Ontario?

    Your car insurance policy will generally cover anyone listed as a driver in your policy. The insurance may not cover damages if someone not listed gets into an accident with your car. However, most insurance policies allow for another person to occasionally drive your car. Additionally, your premiums may increase if a listed driver gets into an accident under your policy.

    What documents do I need to get car insurance in Ontario? 

    You’ll generally need to provide the following documents to get car insurance in Ontario: driving record, driver’s license, insurance history, vehicle registration, and payment information.

    What is the cheapest car to insure in Ontario?

    The cheapest make of car to insure is a GMC. GMC drivers pay 30% less on car insurance than the average Ontario driver. Other cars that are cheap to insure in Ontario include but are not limited to: Jeep Wrangler, Nissan Versa, Toyota Prius, Honda Odyssey and Honda CR-V. Having said that, the cheapest car to insure in Ontario will change from year to year based on claims data.

    Why is car insurance so expensive in Ontario?

    Car insurance is expensive in Ontario because of the high number of drivers and their claims. In addition, the province requires a minimum amount of coverage for each driver, which impacts premiums. Further factors affecting your rate include your vehicle type, driving record, age, gender, and neighbourhood.

    Is car insurance mandatory in Ontario? 

    Yes, four types of car insurance are mandatory in Ontario. This includes liability insurance, accident benefits coverage, direct compensation-property damage, and uninsured automobile coverage. You must purchase these from a licensed insurance provider. Failure to do so can result in fines, suspension of your license, and other penalties.

    Can I cancel my car insurance anytime in Ontario? 

    Yes, you can cancel your car insurance policy anytime in Ontario. However, you may be subject to penalties or fees depending on your policy and the insurance company you are dealing with. Additionally, if you cancel your policy without having a new one in place, you could violate Ontario’s mandatory car insurance laws and face penalties or fines.

    Do I need insurance to register a car in Ontario?

    Yes, you need to have car insurance before you can register a car in Ontario. It is mandatory under the law to have at least four types of coverage. You should obtain your insurance policy before registering your vehicle. Your insurance company will provide you with a proof of insurance certificate required to register your car with the Ontario Ministry of Transportation.

    What do I need to get car insurance in Ontario?

    You’ll need your driver’s license, details about your vehicle (make, model, year, mileage), and details about your driving history and current insurance policy (if applicable).

    Can you insure a car in someone else’s name in Ontario?

    No, only the registered owner of the vehicle can insure it. Having said that, there is a slight caveat. The vehicle’s registered owner can authorize another person to arrange and pay for an insurance policy on their behalf, using a signed Letter of Authorization. The owner will still be the one who signs the policy and is held accountable for any issues such as payment defaults, policy cancellations due to non-payment, incorrect information provision, and accidents that occur during the policy’s term.

    Do you need insurance to rent a car in Ontario?

    Rental companies in Ontario will require proof of insurance before renting out a vehicle. You can get insurance for a rental car by contacting your existing car insurance provider, purchasing it from the rental company, or by using rental car insurance provided by your credit card if available.

    Can you get car insurance without a license in Ontario?

    No, you cannot get car insurance in Ontario without a license. A valid driver’s license is required to obtain car insurance in Ontario.

    How is car insurance calculated in Ontario?

    Car insurance premiums in Ontario are calculated based on factors like your driving record, the type of car you drive, where you live, how much you drive, your age, gender, and your coverage level.

    How much is car insurance in Ontario for an 18-year-old?

    A teenager is considered to be a young and inexperienced driver. Therefore, the average cost of car insurance in Ontario for an 18-year-old is quite high at around $3,568 a year, which is about $297 per month. However, this can vary greatly based on other factors such as the make and model of the car, the driver’s gender and driving history, neighbourhood, and type of coverage.

    How long does it take to get car insurance Ontario?

    In most cases, you can get car insurance in Ontario within the same day of applying. You can often get a quote and purchase a policy within a few hours or less.

    How much is commercial car insurance in Ontario?

    On average, commercial car insurance in Ontario typically costs between $100-$300 per month or more. However, the actual cost varies widely based on factors like the type of vehicle, how it’s being used, the driver’s driving history, and more. It’s best to get a quote from a commercial car insurance provider.

    Is a photocopy of car insurance valid in Ontario?

    No, a photocopy of your car insurance is not valid in Ontario. You must have a printed copy of your “pink card” or present digital proof of insurance, which became legal in Ontario in 2020. If you opt for digital proof of insurance, your phone must be charged and able to display your proof of insurance even if you have a poor signal. Failure to present your digital proof of insurance because of a dead battery, bad signal, or broken screen will not be tolerated.

    Is there a tax on car insurance in Ontario?

    No, there was no specific tax on car insurance in Ontario.

    Can I get temporary car insurance in Ontario?

    No, you cannot get temporary car insurance in Ontario under its current automobile insurance legislation, which is structured to offer conventional car insurance policies. However, there are alternatives available for those in Ontario who require coverage for a limited period such as Pay-As-You-Go, Six-Month policy terms, getting listed as a named drive on someone else’s policy, and Ontario’s 10-Day Temporary Special Permit.

    Can I put my car insurance on hold in Ontario?

    No, you cannot put your car insurance on hold in Ontario. You must suspend your coverage by filling out an Ontario Policy Change Form called OPCF-16. To reactive your coverage, you must fill out a different policy change form called OPCF-17.

    Does credit score affect car insurance in Ontario?

    No, it does not. Luckily, Ontario is one of just two provinces in Canada where your credit score is off-limits to car insurance providers. In Ontario, your insurance premiums are solely based on factors such as your driving history, age, gender, driving location, the type of car you drive, the purpose of your vehicle use, and the extent of coverage required.

    Does car insurance have HST in Ontario?

    No, there is no Harmonized Sales Tax (HST) applied to car insurance premiums in Ontario. However, some insurance providers may charge HST on car insurance claims.

    How long do claims stay on car insurance in Ontario?

    Generally, claims will stay on your insurance record for about six to ten years in Ontario, which can impact the cost of your premiums.

    How much does high-risk car insurance cost in Ontario?

    High-risk car insurance in Ontario can be quite costly, often ranging from $3,000-$7,000 per year, or $250-$583 per month. The exact amount depends on the reason you’re considered high-risk and other rating factors.

    How much is car insurance in London, Ontario?

    The average annual cost for car insurance in London, Ontario, was roughly around $1,400 to $1,500. However, this can vary greatly based on individual circumstances.

    How to cancel car insurance in Ontario?

    To cancel your car insurance in Ontario, it’s usually as simple as contacting your insurance provider and requesting the cancellation. You may need to provide written notice, and cancellation fees may apply.

    Share with FacebookShare with FacebookShare with TwitterShare with TwitterShare with Twitter
    Daniel is an expert on travel, finance, and SEO. He received an Honours BBA (Finance) from Wilfrid Laurier University, then started his career with WOWA. Here, he learned various SEO tactics that were instrumental in quadrupling monthly traffic to one million views. Now the founder of Croton Content, Daniel helps financial companies scale through evergreen content. Aside from Hardbacon, notable clients include Forbes Advisor, WealthRocket, and Hellosafe. Daniel loves to travel when not working. Although based out of Lisbon, Portugal, some of his most adventurous destinations include Rio, Cairo, and Istanbul.