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We compare rates from Canada's top providers, including:

Collision car insurance.

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Collision coverage is popular, though it's considered additional and optional.

Many Canadians choose to purchase it over and above what's mandatory because it covers car replacement, or repair costs, if your car is damaged in a collision and you’re at fault.

Offset the cost of additional coverage by applying discounts that are easily available to most Canadian drivers.

For example, without much effort, you can save hundreds of dollars each year if you purchase and use winter tires, bundle your policies, enrol in a telematics program and park in a garage rather than on the street.

In addition, a licensed broker can help you customize your policy to bring down your rate even more.

Together with a broker, you can figure out what coverages make the most sense for you and your lifestyle.

A broker will help you secure a policy that has the coverages you need, nothing more.


How does it work?

Enter your information – it takes less than three minutes.
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Get 10+ quotes for collision insurance from the leading companies across Canada.
Secure your rate by talking to a licensed broker.

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We’ve helped thousands of Canadians save millions of dollars on their insurance costs.

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Our licensed brokers will answer all of your questions. Their recommendations are free.


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What you need to know about collision insurance.

A damaged car is a horrible feeling for a driver.

It means getting quotes for the repairs, leaving your ride in the shop for a few days and, worst of all, the cost of paying for the work necessary to get your wheels back on the road.

But with collision insurance coverage as part of your policy, you’re protected from the bills that come with repairing physical damage to your car in the event of an at-fault accident, a single vehicle accident or a hit-and-run accident.

Many drivers wonder if collision insurance is required.

The answer is no, it’s optional – unlike some other forms of auto insurance that are mandatory.

But, just because you don’t have to have it doesn’t mean you shouldn’t have it.

We help drivers across Canada, including Ontario and Alberta, find the best collision coverage.

Work one-on-one with a licensed broker at to customize a policy that’s right for you.

Give us a call to start saving today: 1-855-754-0350.


Frequently Asked Questions about collision insurance.

What is collision coverage?

Collision insurance covers the cost of repairing physical damage to your car in the event of an at-fault accident, a single vehicle incident, or, if another driver hits you and doesn’t stick around.

That means you are protected from paying any repair bills you face due to:

Another driver denting your car in a parking lot and not leaving a note.

A rollover.

Hitting another vehicle while driving.

Hitting a large animal on the highway.

Scraping your car against a pillar in a garage.

Spinning out on the highway and ending up in the ditch.

And many other mishaps.

In each case, collision insurance covers the cost of the necessary repairs, minus your deductible. If your car is so damaged that repairing it is neither possible nor advisable, your collision coverage will pay to replace your vehicle based on its value at the time of the accident.

There are some liabilities that collision insurance doesn’t cover you for. For example, if you kill or injure someone with your car, third-party liability coverage, which is mandatory, will protect you rather than collision.

Do I need collision insurance?

Some car insurance coverages are mandatory in Canada. Collision insurance isn’t one of them, unless your lease or financing plan requires it.

Still, most people consider collision insurance a wise and worthwhile purchase and appreciate the peace of mind it provides.

What car insurance is essential depends on your province. In Ontario, collision coverage isn't mandatory. But, all drivers must have four types of coverage. They are:

Accident benefits, which will cover your medical bills if you’re injured and income replacement if you can’t work.

Direct compensation-property damage (DCPD) coverage, which covers damage to your car and its contents, if you are not at fault in the collision.

Third-party liability, which protects you if your car kills or injures someone else. It also covers property damage. All Ontario drivers must have at least $200,000 in third-party liability coverage, but many drivers choose to buy much more than that.

Uninsured automobile coverage, which protects you if you’re injured or killed by a hit-and-run driver or an uninsured motorist.

In Ontario, collision insurance is not mandatory.

Nor is it required in Alberta, where you must have only accident benefits and third-party liability coverage.

That leaves you with the choice of whether to get collision car insurance coverage or not. It’s up to you.

If you decide to buy it, you’ll be protected in the case of an at-fault accident with another vehicle or object or a single vehicle accident.

If you decide against it, the cost or repairing or replacing your car will come out of your pocket.

The thought of that makes many drivers opt for collision protection. To get the best rates, we recommend that you work with a licensed broker.

Start with a no-obligation quote using our free, online tool. Next, connect with one of our brokers at: 1-855-754-0350.

What does collision insurance cover?

Collision insurance covers the cost of repairs to your car after an accident.

If your car can’t be repaired, your insurer will cover the cost of a replacement vehicle, based on the value of the car when you had the accident.

But, it doesn’t cover the cost of a rental while your car is in the shop. For that, you will need loss of use coverage.

What happens if my car is so damaged it can’t be repaired?

Sometimes an accident will leave a car so badly damaged that repairing it is not realistic or won’t leave you with a safe vehicle. In that case, your collision insurance will pay for a new car.

But, depending on the details of your policy, your insurer may only be responsible for the value of the car at the time of the accident, not the value of a new car of the same make and model. There’s usually a big difference between the two.

And it means that if your car is, say, five years old and has 100,000 kilometres on it, you will receive much less than the cost of a new car.

If you want to be covered for a new car of the same make and model, or the equivalent, you’ll need replacement coverage. This is another optional type of insurance.

A licensed broker can help you decide on which coverages makes sense for you and, if so, help find the best rates for you.

That’s because at, we customize your policy to make sure it’s right for you.

Begin the process by getting a no-obligation quote online, then connect with a broker at: 1-855-754-0350.

Will collision insurance cover me if a friend borrows my car and ends up in an accident?

Generous deeds sometimes backfire. The good news is that as long as your friend was driving with a valid licence, your collision insurance will cover it.

The bad news is your friend’s accident may mean higher premiums for you in the future.

What happens if I have a car accident without collision coverage?

Bad things sometimes happen to good drivers. That’s why even the best drivers have collision insurance.

Let’s say a deer darts in front of you at the last second on a dark highway and while you try to avoid hitting it, you end up sideswiping it.

Or, maybe you hit a patch of black ice on the highway and your car spins out and into the ditch.

Or, your child, who’s a new driver and on your policy, gets in an accident. Or, you leave your vehicle in the parking lot and come back to find a huge scrape along the side of your car.

In each of these cases, having collision insurance means you are protected.

But if you don’t have collision damage coverage, you’re likely to be on the hook for the cost of the repairs.

Does collision insurance cover me if a tree falls on my car?

No, collision protection won’t cover mishaps such as falling trees. If you want to be covered for damage caused by incidents such as theft, vandalism, weather events such as hail, fire and, yes, falling trees, you’ll need to buy comprehensive insurance as well.

Comprehensive insurance protects you for all damage not covered by your collision policy.

All perils insurance, another type of optional coverage, combines collision and comprehensive policies.

Working one-on-one with a licensed broker is the best way to determine what optional coverage you need.

At, we’ll customize your policy to make sure you’re buying only the coverage you need, and not wasting money on coverage you don’t need.

After starting with a free, no-obligation quote, connect with a broker at: 1-855-754-0350.

How does the collision deductible work?

The deductible is what you will pay in the event of a claim.

You agree to the amount of your deductible when you buy your insurance. Most drivers choose a deductible of $500 or $1,000.

If the cost of fixing the damage to your car is less than the deductible, you pay the full repair bill.

You can lower your premiums if you choose a higher deductible, but that does mean you will pay less if you have to make a claim.

A licensed broker can help you sort out what’s best for you. Give us a call to learn more about your options: 1-855-754-0350.

Should I have collision insurance on an old car?

Collision insurance is a good idea for most old cars, but maybe not all.

To get a better sense of if you need collision protection, ask yourself what $2,500 in damage to your vehicle would mean to you. Most people don’t have that much just lying around and they need their car.

Having collision insurance means getting your vehicle repaired and back on the road as quickly as possible with the deductible being the only cost to you.

If your car is really old and in poor shape, you may decide that the amount of your deductible plus your premiums is higher than the value of the car. In that case, saving the cost of collision insurance may make sense.

A licensed broker can help you make this sort of tricky decision: 1-855-754-0350.

How much does collision insurance cost?

The rates for collision insurance coverage vary and there are often large differences between insurers.

So it’s always worth it to compare rates. Not just once, but every year. That way, you’ll be sure you’re always paying the lowest collision insurance rates.

What determines the cost of collision auto insurance?

Insurance companies consider several factors when deciding how much to charge you for collision coverage.

The cost of your coverage may depend on where you live. Rates can and do vary not just by city, but part of a city you live in. The number of claims in your city or neighbourhood will affect how much you have to pay.

Some of the other things insurances consider when determining premiums are:

Your car’s make and model.

Your driving record.

If you’ve made claims in the past.

The amount you drive and where (commuters will likely pay more than people who just do local errands).

Your age, gender and marital status.

And the number of drivers on the policy.

With so many variables, different insurers offer different rates. To find the lowest one for you work one-on-one with a licensed broker at

Get started with free, no-obligation quotes from the 10+ leading insurance providers in Canada. Then, reach a broker by calling: 1-855-754-0350.

Will my car insurance cost less if I increase the deductible?

The deductible is the amount you will pay in the event of a claim. Let’s say a collision leaves you with $3,000 damage to your car and your deductible is $500. Then you will pay $500 to cost of the repairs and your insurer will pay $2,500.

You can lower your rates by increasing your deductible. But, make sure you can afford the cost if you do have an accident.

What can I do to lower the cost of my collision insurance?

The good news is that there are a few ways to lower your overall insurance costs and help you pay less in the future.

Here are some things you can do:

Always pay your premiums on time.

Bundle your auto insurance with your other policies. Most insurers will give you a discount if you buy both car insurance and, say, house insurance from them.

Buy collision coverage and the other coverage required in your province, but, pass on other options. Take loss of use coverage, for example. It pays for the cost of renting a similar vehicle while the damage to your vehicle is being repaired. But, if you can rely on the transit system for a few days while your car is in the shop, then you may be able to do without loss of use coverage.

Consider taking a defensive driving course.

Drive safely and keep your driving record clean. Previous collisions and infractions such as speeding tickets will mean higher premiums.

Invest in winter tires. Even if you don’t get a lot of snow where you live, winter tires perform better in cold temperatures. And not only do they make driving in cold weather and snow safer, they will lower your premiums. In Ontario, insurance providers are required to offer a 3-5% discount for drivers with winter tires.

The make and model of your car plays a role in determining the cost of your collision insurance. So consider the safety ratings when you buy your car.

Opt for a higher deductible. A higher deductible means lower premiums. (But it also means you pay more if you do have to make a claim).

Use a licensed broker at to help get the best rates. First, get a no-obligation quote online and then connect with a broker by calling: 1-855-754-0350.

Is it safe to buy collision insurance online?

Buying car insurance online is a safe and popular method. In fact, many drivers have discovered that there’s no better way to get cheap collision insurance.

Take advantage of our free, online quote tool to find rates from the 10+ leading insurance companies in Canada.

Then, connect with one of our licensed brokers to see if you qualify for additional savings.

After reviewing your application, we will highlight the discounts you may be eligible for.

Start today by giving us a call: 1-855-754-0350.