Looking for an auto insurance company in Toronto (2015, car insurance)

[HollyWolfe312]

Hi All,

I'm moving from NYC to Toronto, Ontario and I'd like to switch my car insurance provider. Can anyone recommend a company? I need to look for something quick as I'll be moving in the next few weeks.

Thanks!

Holly W.

[niceguycorey]

http://www.insurancehunter.ca

I used insurance hunter to find quotes for ontario car insurance back in April. I ended up saving a ton of money.

[eastwestman]

Originally Posted by niceguycorey

http://www.insurancehunter.ca

I used insurance hunter to find quotes for ontario car insurance back in April. I ended up saving a ton of money.

Great advice. Auto insurance is darn expensive in Ontario. The above link is a great help. You can't do enough research when it comes to buying insurance. There are savings to be had if you do the leg work. Consider consulting a broker too.

[HollyWolfe312]

Thanks you so much for the link @niceguycorey! I checked them out this morning and I scored an awesome deal.

@eastwestman - thanks for the advice! Insurance Hunter is actually an online brokerage, so they compared quotes from different companies for me - talk about crossing two hurdles with one leap!

[ivanthecoder]

Try using [url=http://FindCheaperInsurance.ca]Home[/url]. They have brokers who get in touch with you to give you the quote, and at the same time they also go over your information.

[ivanthecoder]

Try,

[url=http://findcheaperinsurance.ca/]Home[/url]

I saved a ton with them

[vindikator]

Can you drive in Toronto with car insurance from the United States and still be covered?

[Liberated in TO]

Originally Posted by vindikator

Can you drive in Toronto with car insurance from the United States and still be covered?

Yes, to a point. Call your insurance company and ask them how much time you have to change your insurance when you move jurisdictions. Most will grant 30-60 days grace.

That being said, insurance is the easy part. The biggest issue with your vehicle with moving from NYC to Toronto will be importing/exporting and registering it in ON. This will be the bigger hassle, and will have to be done prior to getting insurance anyways.

[anon1972]

Originally Posted by Liberated in TO

Yes, to a point. Call your insurance company and ask them how much time you have to change your insurance when you move jurisdictions. Most will grant 30-60 days grace.

That being said, insurance is the easy part. The biggest issue with your vehicle with moving from NYC to Toronto will be importing/exporting and registering it in ON. This will be the bigger hassle, and will have to be done prior to getting insurance anyways.

Partly correct. As I am going through this now, I'll share my Mississauga biased view. My US insurance, Geico, basically covers me if I visit Canada. If I officially inform that I have moved, which I have done, then they start a clock of 30 days. So far, so good.

Importing car to Toronto was fairly easy for me b/c I'm here on a work permit...which means, I get to avoid all the fun taxes, duties, and fees (Yes they are separate) to get my Form 1. I did have to formally export my cars from US, so google that bit to find out the details.

You do NOT need to register your car in ON prior to your insurance as the thread quoted implies. Rather, it is the other way around. You DO need to get ON insurance prior to registering your car. You also will need the aforementioned Form 1, copy of your ON insurance, safety check certificate ($60-80 at most mechanic shops), emissions testing certificate ($40 with tax), US title, a filled out form for registering your car, AND Ontario driver's license. Note that getting either the insurance and the driver's license requires driver abstracts from all the states you have lived in, plus letters of insurance from all the insurance companies you have been with. Farther back you go with the paperwork, the lower your rate. Expect to pay 3 times what you paid in US. Any less, and you did good. Any more, and you should be chatting with your insurance agent about whether the rates are coming down within a year or not.

Final bit...I have an Acura I purchased certified pre-owned in US. To get warranty coverage in Canada, you have to get a recall clearance letter from Honda USA. Then you take that letter, your original bill of sale, a copy of your USA insurance, a copy of your USA registration, a copy of your USA driver's license and send them to Honda Canada. Call Honda Canada first..they will give you a case # which all of your documents should reference. You will be covered for the remaining period of new car warranty that is left. You will FORFEIT any additional warranty period due to the car being certified pre-owned however. In my case, that translates into being covered bumper to bumper in US till 2015 to being covered bumped to bumper in Canada till 2013.

The amount of paperwork you need to get the above done is staggering. Canada loves paperwork

[minibrings]

Originally Posted by anon1972

Partly correct. As I am going through this now, I'll share my Mississauga biased view. My US insurance, Geico, basically covers me if I visit Canada. If I officially inform that I have moved, which I have done, then they start a clock of 30 days. So far, so good.

Importing car to Toronto was fairly easy for me b/c I'm here on a work permit...which means, I get to avoid all the fun taxes, duties, and fees (Yes they are separate) to get my Form 1. I did have to formally export my cars from US, so google that bit to find out the details.

You do NOT need to register your car in ON prior to your insurance as the thread quoted implies. Rather, it is the other way around. You DO need to get ON insurance prior to registering your car. You also will need the aforementioned Form 1, copy of your ON insurance, safety check certificate ($60-80 at most mechanic shops), emissions testing certificate ($40 with tax), US title, a filled out form for registering your car, AND Ontario driver's license. Note that getting either the insurance and the driver's license requires driver abstracts from all the states you have lived in, plus letters of insurance from all the insurance companies you have been with. Farther back you go with the paperwork, the lower your rate. Expect to pay 3 times what you paid in US. Any less, and you did good. Any more, and you should be chatting with your insurance agent about whether the rates are coming down within a year or not.

Final bit...I have an Acura I purchased certified pre-owned in US. To get warranty coverage in Canada, you have to get a recall clearance letter from Honda USA. Then you take that letter, your original bill of sale, a copy of your USA insurance, a copy of your USA registration, a copy of your USA driver's license and send them to Honda Canada. Call Honda Canada first..they will give you a case # which all of your documents should reference. You will be covered for the remaining period of new car warranty that is left. You will FORFEIT any additional warranty period due to the car being certified pre-owned however. In my case, that translates into being covered bumper to bumper in US till 2015 to being covered bumped to bumper in Canada till 2013.

The amount of paperwork you need to get the above done is staggering. Canada loves paperwork

Be sure to keep copies of your title or your US Registration for when you move back across the border and try to re-register the car in the US. The State of NH gave me a hard time when I moved to Ont then back to the US. I had to provide proof car was previously registered in the US.