Auto insurance in Ontario

auto insurance in ontario

☏ 1.855.385.4226
get a quote
book a chat
Insurance that feels like home Insurance that feels like home

You've Got Auto Insurance Questions? We've Got Answers!

What does my car insurance cover?

Your insurance policy covers any injuries you may incur in an auto accident. It may also cover damage to your car. Your auto insurance will also cover injuries to anyone else involved in the accident, as well as their vehicle.

What can happen if I don't have auto insurance?

If you are unlucky enough to get in an accident with someone and you do not have insurance, the other party can sue you requiring you to pay out of pocket for all expenses. If this happens, you could end up losing something important such as your life savings. There is also the chance you may go to jail since it is illegal to not have insurance on your car.

What is the cheapest policy that I can purchase?

Although not usually recommended, the cheapest option that you can purchase is an auto liability only insurance policy. Auto liability policies cover bodily injury and property damage. This policy will leave you with the cost of repairing or replacing your own car in the event of an accident.

Is it true that the color of my car makes a difference in the amount of my premium?

This is just a myth. No matter if your car is red, white, or purple, your premiums will be the same.

What is the pay schedule for auto insurance payments?

Many insurance companies provide a few options of how you can pay for your policy. You can pay for a full six months or a year at once. You also have the option of making monthly payments on your policy. You just choose which payment option is best for you.

Is my car insurance tax deductible?

This is a question that is truly only able to be answered on a case-by-case basis. That said, unless you have a circumstance allow your insurance to be deductible, such as owning a business, normally car insurance is not tax deductible.

Is it possible for a car insurance company to deny service to me?

It is possible. If you have a DUI, which is driving while under the influence, or a serious accident where you were found to be at fault on your driving record, an insurance company may refuse to provide you with a policy.

What effect does my credit score have on my car insurance premiums

Your credit score will have an effect on your premium. If your credit score is high, your premiums will likely be lower than someone with a lower score will. When you renew your policy, your new credit score may be taken into consideration.

Are there ways for me to get discounts on my car insurance?

There are several ways you can obtain premium discounts. Safety and security features on your car can help reduce your premium. If you are a student, be a good student. Having a good credit score will also lower your premium amount. Having a clean driving record is a great way to get a lower premium. And be certain to ask your agent for any other discounts available to you.

Does it take a long time to file a claim?

No, filing a claim has become quick and easy. Some companies even have an app you can use. However, with most companies, you will just call and speak with an agent. The process should only take about twenty minutes.

If I am in an accident, will my car insurance cover a rental car?

Rental insurance is available on most automobile policies. In most cases, your car insurance will cover the cost of a rental. However, it is important to note many costs will not be covered, such as the rental company’s lost revenue, depreciation of the vehicle, and loss of use.

Do I have to purchase auto insurance?

Yes, auto insurance is mandatory on new cars before a dealership will allow you to drive it off the lot if you are making payments. This is to ensure that if you do have an accident the car will not be a complete loss. Not only will a car dealer require you to have insurance, but also according to provincial law, you must have auto insurance to legally drive. If you are pulled over without insurance, you may receive a ticket and a fine.

Can I afford auto insurance?

It depends on your driving history. Most of the time car insurance is relatively affordable. However, in some instances, accidents, tickets for speeding, or driving while intoxicated this will definitely raise the premium of what you would have to pay.

Who can I add to my policy?

Members of your household can be added to your policy. Keep in mind this means only people that live at the same address. You would not be able to add a sibling, for example, who lives two blocks over.

What happens to my policy if I forget to make a premium payment?

The first time you do not make a payment on your policy, your insurance company will mail you a warning letter. If you miss another payment, the company may charge you a late fee, or sometimes a company will cancel your policy.

What is the deductible on an insurance policy?

The deductible is the amount you have to cover yourself after an accident before your insurance company will pay the rest. You can choose how much this deductible is while you are setting up your policy. Common amounts are $500 and $1,000. Be sure to make a deductible choice that will help you most in the event of an accident.

Am I able to change my policy any time I would like?

Yes. You may call any time to make a change to your policy. However, additional premium may be required if adding or increasing coverage. While reducing coverage may result in a refund subject to any minimum premium requirements.

Is it possible my gender will affect my premiums?

Yes.  Your gender will have an effect on the amount that you will have to pay. Statistical data comes to the conclusion male drivers are more likely to be in a motor vehicle accident than their female counterparts. As a result, males do have a higher premium than a female.

Under what circumstances will my claim be denied by my insurance company?

If you have been proven to be driving recklessly, the insurance company may deny your claim. It may also deny your claim if they find that you are lying about accident damages, were fraudulent on your application, committing a crime, or intentionally trying to injure or harm.

I drive a much older car, 20 years old. Will insurance cover my car?

It really depends on the condition of your car. Most older cars are not worth very much, so they don’t get provided a high amount of coverage when they are covered. In the event of an accident, most older cars are a total loss, meaning it would cost more to fix than the car is worth if it can be fixed.

My car was stolen, will my insurance company pay to replace it?

They will pay to replace your car if you have comprehensive coverage on your policy. This is the insurance option that covers theft and damages caused by something other than an accident.

Google Rating: 4.7Some awesome words from our Duliban Client Family

Kathryn Hutson
Kathryn Hutson
Hilary was great at switching over my policies and getting me the right quote! Will definitely continue to work with Duliban moving forward.
dan tocchet
dan tocchet
Excellent service from moment they contacted me to when both auto & home insurance was set up. Definitely would recommend Duliban Insurance Brokers.
Wanda Durbin
Wanda Durbin
I would definitely recommend looking here for first-rate customer service! It was my 1st time using an on-line insurance broker, and I would like to thank Warren Drake for making it virtually stress-free! (dare I say enjoyable?) Warren was very professional, courteous, personable & efficient. He made sure, at every juncture, to present me with the options available, ensured that I understood & recommended what he felt was best & why. Stress-free & very good rate! Well done!!
Eyad Daoud
Eyad Daoud
Thank you. Excellent experience
brandon rayray
brandon rayray
As I was looking a new quote for a car insurance at I've found Duliban Insurance Brokers thru CAA. And thanks a lot to Trevor his generosity and helpfulness. You guys are awesome and have a good service and dedication. I highly recommend Duliban Insurance Brokers and give 5 stars
Moncef El Jirari
Moncef El Jirari
I just started shopping and browsing as I am planning to buy a car in the next few months, and Amy Brown called me to give me all the information I need to make the right decision on what insurance company to choose. She was very professional and very helpful even though she knows I'm buying an insurance in the future as my new car is not ready yet. The rates and coverage she could find me are unbeatable for Toronto Midtown. I highly recommend to anyone looking for an Insurance Broker. Thanks Amy Brown in case you read this message.
Jennifer Lemieux
Jennifer Lemieux
oops, Troy Blackledge - sorry Troy!!
george farrell
george farrell
I've completed my first year with Duliban Insurance brokers. Signing up for auto insurance I happily saved hundreds of dollars annually for one car. Being a senior with an excellent record Amy Brown made it simple and quick with big savings to begin my new auto policy. I had been with prior insurer for close to 20 years of clean driving. Kudos to Amy and the Duliban Insurance team! Much success!!
Jeremy Dunn
Jeremy Dunn
Very satisfied with how Duliban handled insurance for my farm property. John Critchley is very knowledgeable, patient and responsive.

The Duliban Advantage

We Work For You

Our team of insurance professionals ensures that YOU receive the best coverage possible at the very best price.


We partner with over 25 different insurance companies that fight to earn your business.

Highly Rated

With multiple provincial and national recognition awards, it’s no wonder why our clients rave about us.

Simple Language

We make sure that you understand your policy without confusing you with complicated insurance jargon.

Let's find you the best possible coverage