Your Personal Injury Lawyers
Call 1-888-404-5167
Preszler Injury Lawyers

3 Tips When Renewing Your Car Insurance in Ontario

Time to renew your policy? Before you sign a new agreement, there are several things you’ll want to do. Make sure you carefully review your policy, determine if your coverage adequately suits your needs and shop around for the best deals.

Delving into the nitty-gritty of car insurance may not be exactly a load of fun, but you’ll be able to rest easier knowing you’ve made informed, financially savvy choices that will provide for your needs adequately, should an accident ever occur.

Tip #1: Understand Your Current Policy

Insurance terminology isn’t exactly easy to understand, but it’s important to know the mandatory minimums, how much coverage your currently have and what each type of coverage includes.

In Ontario, there are four types of mandatory coverage:

  • Liability-Bodily Injury – this will pay for claims others make against you, should you accidentally injure someone or cause property damage. Minimum coverage. You must carry at least $200,000 of bodily injury liability insurance. You should purchase as much liability insurance protection as possible. Try to get at least $2 million.
  • Accident Benefits this type of insurance covers a wide range of damages for you, regardless of who caused the accident. It will cover income replacement or payments to non-earners who become disabled, attendant care benefits, medical and rehabilitation expenses, funeral expenses, and payments to survivors.
  • Uninsured Automobile – this protects you if you are injured by an uninsured motorist or a hit-and-run driver.
  • Direct Compensation Property Damage – this covers damage to your vehicle if you are not at fault in the accident.

Read over your policy and see what your limits are. Are you happy with your deductibles? Do you think the coverage is adequate? This is a good time to schedule an appointment with your insurance agent to discuss your policy and determine what options would be best for you.

Tip #2: Consider Additional Endorsements

The above types of auto insurance are compulsory in Ontario, but it’s advisable to consider purchasing higher limits. You might also want to look into additional coverages and enhancements, referred to as endorsements.

Some of the optional coverages and endorsements you might consider include:

  • enhanced or optional accident benefits;
  • collision or upset;
  • comprehensive;
  • all perils;
  • specified perils;
  • rented or leased vehicles;
  • loss of use;
  • liability for damage to non-owned automobile;
  • family protection coverage; and
  • added coverage to offset tort deductibles.

The Insurance Bureau of Canada explains, “There are many other endorsements available that are less common but may be of benefit to you. Your insurance representative will be familiar with all of them and will advise you if any would be of benefit to you.”

Tip #3: Ask about Discounts

Finally, ask your insurance agent about any discounts that may be available to you.

A few discounts that you might be eligible for include:

  • low mileage use;
  • finishing a driver training course;
  • having more than one vehicle in the house on the policy, or insuring your home and car with the same company;
  • mature drivers over 55;
  • retirees with no income;
  • being a long-time customer;
  • being claims-free; and
  • installing a theft-proof device.

Need help after an accident? Consult Our Auto Accident Lawyers

If you have any questions about auto liability or car accident claims in Ontario, feel free to call our lawyers at the Preszler Injury Lawyers in Ontario. Contact us anytime for a free, no-obligation consultation: 1-800-JUSTICE®.

related videos


Car Accident Lawyers

Hit and Run Injury Claims

Statutory Accident Benefits & Car Accident Claims

Types of Damages in Car Accident Cases

What Are Statutory Accident Benefits?

What Insurance Cuts Mean For Drivers in Ontario

Who to Contact Following a Car Accident
Call us now at

151 Eglinton Ave W,
Toronto, ON
M4R 1A6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
4145 N Service Rd
Burlington, ON
L7L 4X6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
2 County Ct Blvd #400,
Brampton, ON
L6W 3W8
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
105 Consumers Drive
Whitby, ON
L1N 1C4
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
92 Caplan Ave #121,
Barrie, ON
L4N 0Z7
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
380 Wellington St Tower B, 6th Floor,
London, ON
N6A 5B5
Toll Free: 1-888-608-2111
2233 Argentia Rd Suite 302,
East Tower Mississauga, ON
L5N 6A6
Toll Free: 1-888-608-2111
1 Hunter St E,
Hamilton, ON
L8N 3W1
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
459 George St N,
Peterborough, ON
K9H 3R9
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
22 Frederick Street,
Suite 700
Kitchener, ON N2H 6M6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
116 Lisgar Street, Suite 300
Ottawa ON
K2P 0C2
Toll Free: 1-888-608-2111
10 Milner Business Ct #300,
Scarborough, ON
M1B 3C6
Toll Free: 1-888-608-2111
*consultation offices

DISCLAIMER: Please be advised that the header image and other images throughout this website may include both lawyer and non-lawyer/paralegal employees of Preszler Injury Lawyers and DPJP Professional Corporation and unrelated third parties. Our spokesperson John Fraser, or any other non-lawyer/paralegals in our marketing is not to be construed in any way as misleading to the public. Our marketing efforts are not intended to suggest qualitative superiority to other lawyers, paralegals or law firms in any way. Any questions regarding the usage of non-lawyers in our legal marketing or otherwise can be directed to our management team. Please also note that past results are not indicative of future results and that each case is unique and that case results listed on site are from experiences across Canada and are not specific to any province. Please be advised that some of the content on this website may be out of date. None of the content is intended to act as legal advice as each situation is independent and unique and requires individual legal advice from a licensed lawyer or paralegal. For legal advice on your individual situation – we can provide legal guidance after you have contacted our firm and we have established a lawyer-client relationship contractually. Maximum contingency fee charged is 33%. Finally, our usage of awards and logos for awards does not suggest qualitative superiority to other lawyers, paralegals or law firms. All awards received from third party organizations have been done so through their own reasonable evaluative process and do not include any payment for these awards except for the use of the award logos for our marketing assets. We are also proud to service additional provinces like Alberta, British Columbia and Nova Scotia.