Auto Insurance in Toronto

Several factors determine your auto insurance premium, the most important is your driving history. The more our brokers know about your driving record, the better options we can provide.

To get started, provide our auto insurance brokers with this information:

• Personal information: names, license history, and driving records of all persons who will be driving your car
• Vehicle information: the make, model and year of your car, as well as its Vehicle Identification Number (VIN), details of the lease, purchase value, and ownership.
• Coverage requirements: how the car is used and how often, how long your average commute is and annual distance, and your preferences for optional coverages based on estimated risk.

Anyone who drives your car — whether it’s your partner, your kids, or a friend — needs to be insured. If another driver — whether they live in your household or not — has regular access to your vehicle, they need to be listed in your auto insurance policy. If they get into an accident and are found at-fault, it can affect your insurance premiums.

Each driver’s driving record, commute habits, vehicle, and claims history is different. Most insurers typically recommend liability coverage of $1 million. However, you may want to increase your liability limit depending on how your vehicle is used, such as if you typically drive long distances or with children — commute patterns that indicate a higher level of risk you need to protect yourself from.

Your auto insurance policy can cover you when you’re not driving your car and in other special circumstances. For example:

• Driving a rental: Your auto insurance automatically extends accident benefits and liability coverage to your rented car, with the same limits. Make sure to purchase additional coverage if you’re renting a more valuable vehicle, such as a luxury car.
• Crossing borders: Your insurance is still active if you go on short trips outside of Ontario or even to the U.S. as long as you maintain normal use of the vehicle.
• In the shop: Typically, you are not entitled to a replacement vehicle while your car undergoes normal maintenance or repair. If you cannot use it because of an accident, your insurer may provide you with a loaned vehicle.

Ask your Marathon Insurance broker about your auto insurance coverage in other special circumstances.