Buying car insurance online is convenient and often the fastest way to get coverage. This guide walks you through the process of getting quotes and purchasing a policy online in Ontario.
Benefits of Buying Insurance Online
- Convenience: Get quotes anytime, anywhere
- Speed: Complete the process in minutes
- Easy comparison: Compare multiple quotes side by side
- No pressure: Take your time without sales pressure
- Documentation: Everything is saved digitally
Information You'll Need
Before starting your online quote, gather this information:
Driver Information
- Full legal name
- Date of birth
- Ontario driver's license number
- Years of driving experience
- Driving history (accidents, tickets) for the past 6 years
Vehicle Information
- Year, make, model, and trim
- Vehicle Identification Number (VIN)
- Current odometer reading
- Primary use (commuting, pleasure, business)
- Estimated annual kilometers driven
- Where the vehicle is parked overnight
Current Insurance Information
- Current insurer (if applicable)
- Policy expiry date
- Current coverage levels
- Claims history
Steps to Buy Insurance Online
Step 1: Get Multiple Quotes
Start by getting quotes from several insurers. Use online comparison tools or visit individual insurer websites. Aim for at least 3-5 quotes to ensure you're getting a competitive rate.
Step 2: Review Coverage Options
For each quote, review the coverage included:
- Liability coverage limits
- Collision and comprehensive coverage
- Deductible amounts
- Additional coverages and endorsements
Step 3: Compare Quotes
Compare quotes with similar coverage levels. The cheapest quote isn't always the best value if it has less coverage or higher deductibles.
Step 4: Select Your Policy
Choose the policy that offers the best combination of coverage, price, and insurer reputation.
Step 5: Complete Your Application
Fill out the full application online. You'll need to:
- Verify all driver and vehicle information
- Answer underwriting questions
- Choose your payment method
- Set your policy start date
Step 6: Make Payment
Pay your first premium online using a credit card, debit card, or bank account. You can usually choose to pay annually or monthly.
Step 7: Receive Your Documents
You'll receive your insurance documents electronically, including:
- Pink slip (liability card)
- Policy declarations page
- Full policy documents
Tips for Buying Online
Be Accurate
Provide accurate information. Inaccurate details can void your policy or result in claims being denied.
Read the Fine Print
Review the policy details before purchasing. Understand what's covered and what's excluded.
Save Your Quotes
Save or print quotes for comparison. Quotes typically expire after 30 days.
Check for Discounts
Make sure all applicable discounts are applied to your quote, including winter tire and multi-policy discounts.
Verify the Insurer
Ensure you're buying from a licensed insurer. Check the Financial Services Regulatory Authority of Ontario (FSRA) website to verify the insurer is licensed.
After You Buy
- Print or save your pink slip to keep in your vehicle
- Set up online account access
- Note your policy renewal date
- Cancel your old policy if switching insurers
Get Started
Buying car insurance online is straightforward when you have the right information ready. Take the time to compare options and choose the coverage that's right for you.
Ready to get started? Get your free online quote in minutes.