Compare Car Insurance Policies in Canada
Compare Canadian car insurance policies and find the one that best suits your needs.
How to shop for your next car insurance with Hardbacon
Comparing prices from multiple insurers before choosing auto insurance can save you hundreds of dollars each year. Here are 4 steps to follow.
Tell where you are
The first step is to enter your province of residence in the box on the left, and click on the “Compare prices” button. Your province will help us redirect you to the appropriate partner.
Tell us more about yourself
The second step is to fill out our partner’s application, starting with your contact as well as other personal information necessary to getting an auto insurance quote.
Tell us more about the type of driver you are
The third step is to answer questions related to your driving record and any other drivers who would use the car you want to insure. This is when you would tell us about any tickets you had and previous claims.
Tell us more about the car you want to insure
The fourth step before submitting your request is answering questions about the car you want to insure. You would include the model, year, and mileage on the car in question.
Some tips for saving money on your next Canadian car insurance policy
Opt for a car model that is less expensive to insure
Other than your age, your gender, and your driving record, one of the most important factors in determining your auto insurance premium is the model of the car you want to insure. In order to reduce the your insurance bill, its best to avoid sports cars, SUVs and the most-stolen car models in Canada. the Honda CR-V and the Lexus RX350.
Combine your auto and home insurance
Many insurers offer rebates to clients who bundle their home and auto insurance. Before buying a car insurance policy, ask your broker or insurance provider if you qualify for the rebate.
Install one or more anti-theft devices.
Many insurers offer rebates to clients who equip their car with anti-theft devices. These can take the form of an alarm system, a kill switch, which stops thieves from starting the car, or a tracking system that lets you locate a stolen vehicle. Another security measure that will earn a lower insurance bill is to etch the car’s parts, which makes it hard for thieves to resell the individual pieces and makes the car a less interesting target for thieves.
Never let your policy renew without renegotiating.
Insurers offer competitive prices to new policy holders and tend to raise the price at renewal. Insurance providers profit from consumer inertia since the policy will automatically renew unless the client informs the insurer that they plan to terminate coverage. When its almost time to renew, make sure to use a car insurance comparison tool like Hardbacon’s to research the best price. This way you can renegotiate with your insurance provider. If they don’t offer a competitive price, there is nothing stopping you from switching companies.
Get multiple quotes from car insurers in just a few minutes.
Learn more about car insurance
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Frequently asked questions about car insurance
Does auto insurance will allow me to buy a new car if my car is totaled in an accident?
The type of insurance policy you have will determine whether or not your auto insurance provider will cover the cost of a new vehicle if your car gets totalled. If you only have basic liability coverage, your insurance provider will not replace your vehicle. However, if you opted-in for standard collision coverage and your car is totalled in an accident, your insurance provider will generally give you a payout equal to the current market value of your vehicle at the time the accident occured, minus your deductible. When determining the value of your vehicle, your insurance provider will take into consideration the model, the year and the kilometres, along with any after market features and the condition of your vehicle before the accident occured. They will compare that to the average selling price of similar vehicles in your area. The payout you receive should be enough to purchase a used car with similar characteristics or for a down payment on a brand new car. That said, it is possible to opt for a comprehensive coverage with a replacement cost clause, which means that your insurer give you enough money to buy the same car that was totaled, but brand new.
Do online insurers offer better prices on car insurance?
Do we always save money by combining home and auto insurance from the same insurer?
Is it possible to estimate the price of car insurance without getting a quote?
What car models are usually associated with cheaper car insurance?
What is the best car insurance for students in Canada?
Can I insure my car even if I have a bad credit rating?
What is the best car insurance company in Canada?
How can I find the best price for car insurance?
Is it mandatory to have car insurance in Canada?
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