![]() If you’ve gone at least 3 years without a traffic conviction - photo radar & parking tickets are excluded - then some insurers will offer you a conviction-free discount. Some car insurers will offer a claims-free discount, which can save you up to 10% off your annual car insurance rates, after 6 years of claims-free driving.Ĭonviction-free discount - Another way to demonstrate you’re a responsible driver is by avoiding traffic convictions. If you choose to allow us to do this, a credit score of 650+ can save you up to 20% off your annual car insurance premium amount.Ĭlaims-free discount - One way to demonstrate you’re a responsible driver is by going an extended amount of time without being at-fault in an automobile accident. This soft hit will not impact your credit score. When you’re filling out your online Surex quote, you’ll be asked if we can do a soft hit of your credit score. Basically, if you have a history of always paying your bills, auto insurers want you as a client. ![]() Good credit discount - The largest discount the vast majority of auto insurers offer is a good credit discount. If you’re eligible for car insurance discounts, this is a great way to lower your annual car insurance premium amount. Our partner insurance carriers include:Īviva, Economical, Gore, Intact, Jevco, Pafco, Pembridge, RSA, SGI, Travelers, and Wawanesa To help you with the first part of the above statement, Surex has partnered with the top car insurers in Ontario. The best way to make sure you’re getting the best deal available to you for car insurance is by getting multiple car insurance quotes and being eligible for auto insurance discounts. If you’re leasing or financing a vehicle, there’s a 99% chance that full coverage - liability, collision & comprehensive coverage - is required on your vehicle, as part of your leasing/financing agreement. If you want more than the minimum but feel the maximum coverage is too much, you can choose to add one of collisions or comprehensive to your liability coverage. Liability, Collision OR Comprehensive: If car insurance was sized like fountain drinks, this would be the medium drink. Liability, Collision & Comprehensive: This is the maximum amount of car insurance coverage available in ON. Third Party Liability: By law, this is the minimum auto insurance coverage required in ON. The type of car insurance coverage you’re looking for - In Ontario, the three degrees of coverage are: ![]() Please be prepared to disclose you most recent 6+ years of claims history & 3+ years of tickets history. This pertains to the amount of at-fault claims you’ve had, as well as your tickets history. Your personal driving history - The auto insurer you choose to place your business with will need to verify driving history before taking you on as a new client. Including in this data would be the cost of fraudulent claims to insurers and the amount of car insurance claims that happen in your area. Insurance data - This relates to the car insurance data gathered by insurers in your area (can be city and/or province). A few key factors are at play in determining car insurance rates in Ontario. ![]()
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