Auto Insurance in Ontario

auto insurance in ontario

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Whether you are purchasing a new policy or shopping your current coverage, it is important to understand how car insurance in Ontario works. The time to learn about car insurance is before an accident occurs, not after.


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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.

Making Sense of Your Auto Insurance Policy

Simply put it's a contract between you and an insurance company

A car insurance policy is a contract between you and an insurance company. In exchange for your premium payment, insurance companies make a promise to cover certain injuries and damages. Your premium goes towards pre-selected coverages that are situations or events your insurance company will pay for. Essentially, you are paying a little now to protect you from potentially paying very large amounts later.

When applying for car insurance, we will ask you basic questions about you and your car. Factors such as your age, where you live, and the type of car you drive will determine your basic premium. The final premium will be determined by the limits, deductibles, and options you choose that best meet your insurance needs.

Once you have selected a car insurance estimate and begun making payments, coverage will become available on a specified effective date. If you are involved in an accident or other covered event, you may file a claim. A claim is your request for the insurance company to fulfill their promise to pay covered damages or injuries. If it is covered, the insurance company will pay up to the specified limits after you have met any applicable deductibles.

A car insurance policy is a legal contract and specifically details what is and is not covered. Overall, most car insurance coverages are standard among insurance companies, but coverage can vary. Reading your policy is the best way to understand what to expect should you need to file a claim.

What is a Deductible

In most circumstances, you most likely will be required to pay a deductible. Car insurance policies can have deductibles ranging between $250 to more than $1,000. This means the amount of your claim will be reduced by the amount of your deductible.

Coverage Details

Your insurance policy will also only cover you for the coverages you choose. As a reminder, normal maintenance or wear is not covered under a car insurance policy. In general, you can obtain car insurance quotes that include the following coverages:

Liability Coverage

This is commonly the only coverage required by law. If you are the cause of an accident (at-fault), your car insurance policy will pay for:

Other driver’s injuries
Other driver passengers’ injuries
Lawsuits that are filed against you
Damage to someone else’s vehicle
Damage to someone else’s property (mailbox, fence, etc.)

Comprehensive Coverage

Also known as acts of nature coverage, this coverage pays for claims resulting from events outside of your control including:

Theft of your car
Collisions with animals
Windshield and glass damage
Falling trees and other objects
Storms including wind, hail, and lightning

Collision Coverage

The term ‘collision’ is often misleading. This coverage only pays if another person causes an accident with you and your vehicle. It does not cover acts of nature. However, collision coverage will pay for your injuries and damages regardless of who is at fault.

Uninsured / Underinsured Motorist Coverage

Unfortunately, not every driver on the road has insurance. If an uncovered motorist causes an accident and you sustain injuries or damage, this coverage can pay you. If the driver has no coverage, the uninsured motorist coverage will pay. Should the driver not have enough coverage, the underinsured motorist coverage will pay. This coverage also pays if you are involved in a hit-and-run accident in your vehicle, as a pedestrian, or while riding your bicycle.

Optional Coverages

Each insurance company offers a number of extra coverage options. Common additional coverage options include rental reimbursement, loan gap coverage, and roadside assistance. Review your needs with one of our professional insurance agents and obtain car insurance rates for the extra coverages you may need.

The Duliban Hometown 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.

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