Auto Insurance

Ontario law requires all drivers to carry a minimum of: Third-Party Liability ($200,000 minimum), Statutory Accident Benefits, Direct Compensation Property Damage, and Uninsured Automobile coverage. Collision and comprehensive are optional but often required by lenders.

Ontario auto premiums are based on: your driving record, the vehicle's make, model, and year, your annual mileage, your location, your age and experience, how the vehicle is used (personal vs. commute), and your chosen coverage limits and deductibles. As a broker, Luca compares rates across multiple insurers.

Bundling multiple policies with the same insurer (multi-line discounts) can typically reduce premiums for each policy. As a broker, Luca can compare bundled quotes against standalone policies to find the best overall value.

Using a personal vehicle for business (e.g., delivering goods, rideshare) without disclosing it to your insurer can void your coverage. If you use your vehicle for any business purpose, discuss this with Luca to ensure appropriate coverage.

Most Ontario auto policies extend to the United States under the standard policy terms, typically requiring you to carry at least $200,000 CAD in liability (which meets US minimum requirements). For extended US trips, confirm your coverage limits are adequate for US medical and legal costs.