Ontario auto-insurance tools

These tools organize numbers and coverage questions you enter. They do not recommend a policy, deductible, accident-benefit selection or insurer.

Post–July 2026 coverage review

I know my third-party liability limit. I know whether I retained DCPD. I know my mandatory medical/rehab/attendant-care limits. I reviewed each optional accident benefit rather than assuming it is standard. All regular drivers are accurately listed. I know my collision/comprehensive deductibles and endorsements.

Three-quote annual cost comparison

Quote 1 premium

Quote 1 annual fees

Quote 2 premium

Quote 2 annual fees

Quote 3 premium

Quote 3 annual fees

Deductible trade-off arithmetic

Current deductible

Higher deductible

Annual premium difference

Quote equivalency checklist

Liability limits match. Optional accident benefits match. Collision/comprehensive selections match. Deductibles match. OPCF endorsements match. Vehicle use, kilometres and listed drivers match.

Ontario Auto Insurance Guide | Life-Hacks.ca

Ontario-focused auto-insurance education updated for the July 1, 2026 accident-benefit reforms.

© 2026 Ontario Auto Insurance Guide | Life-Hacks.ca. General Ontario insurance education only—not individualized insurance, legal, medical or financial advice. Policy forms, insurer offerings, premiums and law can change. Review your current policy and speak with a licensed Ontario insurer, agent or broker before changing coverage.