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Auto insurance that fits the way you actually drive.

Tell us about the vehicle, the drivers and how you use it. We’ll help you compare options from Canadian insurers.

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WHAT IT CAN INCLUDE

The main parts of an auto policy.

Third-Party Liability

Helps address certain claims if you injure someone or damage their property.

Collision

May cover damage to your vehicle in a collision, subject to the policy and deductible.

Comprehensive

May cover certain non-collision losses such as theft, vandalism or specified weather damage.

Accident Benefits

Provides certain benefits after an accident, subject to Ontario rules and the policy.

Uninsured Automobile

May respond in certain situations involving an uninsured or unidentified driver.

Optional Endorsements

Extra options may be available depending on the vehicle, drivers and coverage needed.

What a policy actually includes varies by insurer. A broker can confirm the wording before you buy.

WHAT AFFECTS THE PRICE

What insurers look at.

Driver history

Vehicle

Address and location

Annual kilometres

How the vehicle is used

Coverage limits

Deductible

Other drivers

Claims history

Discounts and bundling where applicable

BEFORE YOU QUOTE

What we’ll ask you.

01

What vehicle are you insuring?

02

Who drives it?

03

Where is it kept?

04

How is it used?

05

How many kilometres do you drive?

06

What does your current insurance look like?

WHEN THINGS CHANGE

Times to review your auto insurance.

Adding a new driver

A new licence in the household changes the rating.

Buying or replacing a vehicle

The vehicle itself is one of the largest inputs.

Moving

Where the car is kept overnight matters.

Starting to use the vehicle for work

Business use is rated differently from commuting.

Driving significantly more or less

Annual kilometres feed directly into the price.

Adding another vehicle

A second vehicle can change the rating on both cars.

HOME + AUTO

Insuring your home too?

Putting home and auto with the same insurer may simplify your policies and can sometimes reduce the overall premium.

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WHY HIFA

More than a renewal price.

WE COMPARE OPTIONS

A broker can compare available insurer options for your situation.

WE EXPLAIN THE TRADE-OFFS

Premium, deductible and coverage all matter.

WE’RE HERE WHEN THINGS CHANGE

New car, new driver, move or claim — you can call a real broker.

Common questions

Auto insurance questions.

What auto insurance is mandatory in Ontario?
Ontario policies include required liability, uninsured automobile and certain accident benefits. Since July 1, 2026, medical, rehabilitation and attendant care benefits remain mandatory; other accident benefits are optional. Renewal treatment depends on your existing coverage and choices. You may elect in writing not to recover under direct compensation–property damage coverage. Ask your broker to explain these choices and the consequences before reducing protection.
What is the difference between collision and comprehensive?
Collision covers damage when your car hits another object or vehicle. Comprehensive covers non-collision damage like fire, theft, vandalism, or a tree falling on your car.
Can I add a new driver to my policy?
Discuss adding a driver when someone in the household becomes licensed or begins driving an insured vehicle regularly. Who drives the vehicle affects eligibility, pricing and how the insurer assesses the risk, so it is better to discuss it when the situation changes rather than at renewal.
Does my insurance follow the car or the driver?
Insurance follows the vehicle. However, if your friend causes an accident, the claim will go on your insurance record and affect your future premiums.
Can I bundle auto and home insurance?
Yes, and it is usually worth doing. Reviewing both allows multi-line discounts to be considered and, more importantly, lets the broker spot exposures that sit across the boundary — a vehicle used for a home-based business, for example.
What information do I need for an auto quote?
You do not need every document before contacting HIFA. The information below simply helps the broker prepare an accurate submission and reduce follow-up. Driver's license numbers for all drivers in the household; Vehicle Identification Number (VIN); Details of daily commute distance; Current insurance policy documents. Do not guess. Tell the broker when information is uncertain so it can be confirmed before submission.

READY TO COMPARE?

Let’s find the right auto insurance option.

Tell us about the vehicle, the drivers and how you use it. A HIFA broker can help you compare the options.

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Book a Call

Want to talk now?

905-573-7471

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