Auto insurance brokers in Ontario compare multiple insurers for you, so you can choose the right coverage without the hassle. At PetleyHare, real people handle the comparisons, saving you time and shopping trusted insurers based on your vehicle, driving habits, and budget.
Insuring a new car, renewing your policy, adding a G2 driver, or switching a financed or leased vehicle? We walk you through it in plain language, so you know exactly what you’re getting.
Ready for a quote? Start online, and we’ll follow up with you through phone, text, email, or in person at our Oshawa, Port Perry, or Coboconk offices.
Quick Answers: Common Ontario Coverage Questions
Do winter tires qualify for a discount?
Often, yes. Many insurers offer winter tire discounts when qualifying tires are installed during approved months. Some insurers may require proof, installation dates.
Finding the right auto insurance in Ontario doesn’t have to mean calling multiple companies or guessing which coverage you need. As an independent auto insurance broker, PetleyHare compares policies across trusted insurers to help you find coverage that matches your driving habits, vehicle type, and budget. Get a quote for free today and hit the road with peace of mind!
At PetleyHare, we offer both mandatory and optional coverage options designed to meet Ontario’s driving requirements and your personal needs.
Liability coverage protects against third-party claims.
Accident Benefits coverage helps after injuries.
Direct Compensation helps with eligible not-at-fault damage.
Collision and comprehensive protects against vehicle damage and loss.
We help you compare coverage options that fit your needs and budget.
Auto insurance helps protect you financially after accidents, injuries, vehicle damage, or liability claims. Ontario drivers are required to carry certain mandatory coverages, while optional coverages can provide additional protection.
Understanding how coverage works, including accident benefits and direct compensation property damage (DCPD), helps you choose protection that fits your driving habits and comfort level.
Why Use an Auto Insurance Broker?
Working with an independent broker gives you access to multiple insurers through one point of contact.
Mandatory in Ontario, third-party liability coverage protects you financially if you injure someone or damage their property while operating your vehicle. This essential insurance plan helps you meet legal requirements and avoid high out-of-pocket costs in case of an accident. This coverage ensures you’re protected against potential claims under your automobile insurance policy.
Uninsured Motorist Coverage
Uninsured motorist coverage provides vital protection if you’re involved in an accident with a driver or vehicle with no insurance. This coverage will allow recovery for damages for injuries from hit-and-run scenarios where a vehicle is not identified, or a driver does not have insurance, or for damage to your vehicle or personal property in scenarios where a driver does not have insurance, ensuring you’re not left vulnerable to unexpected expenses. It’s a key component of any auto insurance in Ontario, Canada, giving you peace of mind no matter who’s on the road.
Accident Benefits Coverage
Accident benefits coverage is mandatory in Ontario with options available for increased benefits beyond just the standard limits. It can help cover medical expenses, rehabilitation costs, and income replacement if you’re injured in an accident, as a driver or pedestrian, regardless of fault. This kind of coverage is especially valuable for ensuring your financial and physical recovery after an incident, making it a cornerstone of insurance products for Ontario drivers.
Optional Vehicle Insurance Coverage
Collision Coverage
Collision insurance ensures your vehicle is protected if you’re involved in an at-fault, single-vehicle, or hit-and-run accident. It covers the cost of repairs or the replacement value of your vehicle, helping you avoid financial strain. For drivers in Ontario, this coverage is important for maintaining peace of mind and meeting the needs of vehicle insurance policies.
Comprehensive Coverage
Comprehensive coverage protects your vehicle from a wide range of non-collision incidents, including theft, vandalism, fire, and natural disasters. Whether you’re concerned about extreme weather in Ontario or other unforeseen events, this coverage is designed to keep your car safe from unexpected events that cause damage to your car, ensuring your insurance company will pay for covered repairs or replacements.
Direct Compensation – Property Damage (DCPD) Coverage
This coverage pays for the damage to your vehicle when another driver is at fault for an accident who has a verified insurance policy. It’s an important feature for ensuring your car is repaired or replaced without the stress of dealing with third-party insurance. As part of a robust auto insurance brokerage, we’ll guide you through adding DCPD coverage to align with your unique requirements.
These coverages form the foundation of a well-rounded auto insurance policy, helping you stay protected in various situations. Get an auto insurance quote today to explore these options and more.
Hearing from real customers is one of the best ways to understand the value of choosing PetleyHare as your auto insurance broker. Our clients often mention how easy it is to find an insurance plan that suits their needs and appreciate our support in keeping car insurance premiums fair and manageable. Their testimonials showcase the trust and confidence they have in us. Read our clients' testimonies to see how PetleyHare has made a difference for drivers across Ontario through reliable insurance products and personal service.
PetleyHare has been outstanding. Quick response, reliable rates, and comprehensive breakdowns. Especially appreciate working with Cassandra, who is patient and available with helpful information and is a pleasure to work with. She gets it, and we recommend her to everyone and anyone looking for an insurance broker.
Shane Morris
PetleyHare takes care of all of my insurance needs, from my boat and car to my home, they help me keep it all protected. They have an excellent, knowledgeable staff that can answer my questions immediately. The customer service here is top-notch, and they also provide it to me at a great rate.
Jo Thompson
Our Insurance Claims Process
Step 1: Submit Your Claim Online
Fill out the claim form on our website with your details, preferred contact method, and a brief description of your claim. Be sure to include important information such as the date of the incident, the type of claim, and any injuries or damages involved, and your proof of insurance.
Step 2: Initial Contact from a Representative
Once your form is submitted, one of our experienced representatives will review your claim and contact you using your preferred method to discuss the next steps. They will guide you through the process and answer any initial questions.
Step 3: Provide Additional Details
During the consultation, the representative may request more information, such as supporting documents or photos of the incident. This ensures we have everything needed to process your claim quickly and accurately.
Step 4: Claim Assessment and Resolution
Our team will assess your claim based on the provided information and work with you to determine the appropriate coverage and resolution. We’re committed to keeping you informed throughout the process.
Step 5: Receive Your Claim Outcome
Once the assessment is complete, we will provide you with a detailed resolution and the next steps. Whether it’s compensation or vehicle repairs, we’ll ensure you get the support you need promptly.
What We’ll Need to Get Your Auto Insurance Quote Started
Getting a car insurance quote is quick and straightforward. To provide accurate auto insurance Ontario options, we’ll ask for a few basic details:
Driver’s licence information – Licence number(s) and how long each driver has been insured or licensed
Address & driving habits – Where the vehicle is parked, annual kilometres driven, and commute details
Claims or convictions – Any recent accidents, tickets, or insurance claims (if applicable)
Once we have this information, your auto insurance broker can compare options across insurers and walk you through the best coverage choices for your situation.
Auto Insurance in Oshawa, Port Perry & Durham Region
Auto insurance rates in Ontario can vary based on where you live, commute distance, traffic patterns, and claims frequency. Drivers in surrounding Durham Region communities often see different pricing structures compared to larger urban centres.
Our local brokers understand these regional differences and help you compare coverage options that reflect your real driving environment.
Driving in Durham Region
Whether you’re commuting into the GTA or heading north toward cottage country, local driving conditions can change quickly.
Winter weather can impact travel
Highway 401 and regional commuting corridors stay busy year-round
Rural and suburban driving patterns differ
Looking for local support closer to Kawartha Lakes? Connect with our Coboconk brokers.
Serving Durham Region and Communities Across Ontario
Get Your Car Insured With Trusted Auto Insurance Brokerage
We’re committed to providing coverage that fits your budget and gives you confidence every time you’re behind the wheel. At PetleyHare, our experienced brokers guide you through the process, answer questions clearly, and help you choose the right policy, without the runaround.
With offices in Oshawa, Port Perry, and Coboconk, we support drivers across the Durham Region. Contact one of our local offices today for a personalized quote and the protection you need.
Auto Insurance FAQs
Have questions about auto insurance in Ontario? You’re not alone. Here are answers to some of the most common questions drivers ask when comparing coverage, deductibles, endorsements, and policy options.
What Factors Affect Ontario Auto Insurance Rates?
Several factors influence Ontario auto insurance rates:
Driving Record
Vehicle Type
Usage & Location
Coverage Choices
Claims History
Experience & Marital Status
Security Devices
Driving Habits
Discounts
Previous Coverage
Remember, different insurers weigh these factors differently. Comparing quotes from multiple insurers can help you find the best rate. Drive safe!
What Are Some of the Discounts Available to Lower My Premium?
We’re committed to helping you save. You can qualify for discounts in various ways, like bundling multiple policies, using winter tires, and having anti-theft devices in your vehicle.
Our team will ensure you get all the discounts you’re eligible for so you can enjoy the coverage you need at the best possible rate.
How Can I Lower My Auto Insurance Rates in Ontario?
You’re not alone in wanting to save on auto insurance! To lower your rates in Ontario, consider maintaining a clean driving record, bundling policies, and having safety features in your vehicle.
Our expert team can help you explore these options and find the best ways to save while keeping you protected on the road.
How Can I Get an Auto Insurance Quote in Ontario?
Getting an auto insurance quote is simple. Your broker will ask about your vehicle, driving history, and coverage needs, then compare options across insurers. Be prepared to provide details about your driving history, vehicle, and coverage needs to receive an accurate estimate.
If you’re ready to compare options, get a quote today.
Does Vehicle Type Impact Auto Insurance Costs in Ontario?
Yes, the type of vehicle you drive significantly affects your auto insurance costs. Vehicle value, repair costs, theft rates, and safety features can all affect premiums.
Do I Need Collision Coverage If My Car Is Paid Off?
Usually, collision coverage becomes optional once your vehicle is fully paid off. Many drivers will keep it if the vehicle still has strong resale value.
What Deductible Should I Choose?
It depends on your budget and risk comfort level. Lower deductibles usually mean higher premiums. Higher deductibles usually mean lower premiums but more out-of-pocket costs during a claim.
Many Ontario drivers choose the deductible that balances affordable premiums with manageable emergency costs.
Is Accident Forgiveness Worth It in Ontario?
It is often useful for drivers with clean records. Eligibility and transferability may vary by insurer.
What Happens If Someone Else Drives My Car?
Insurance usually follows the vehicle. Permission, household status, and frequency of use can affect coverage.
Does My Auto Policy Cover Food Delivery, Rideshare, Or Business Use?
Not always. Even occasional business use can affect coverage eligibility. Always tell your broker if your vehicle use changes.
What Happens After You Click “Start Quote”
Getting started is simple, and you can choose how you want to connect.
Step 1: Submit your details online (it only takes a few minutes).
Step 2: We compare options across multiple insurers to find the best fit.
Step 3: We follow up your way, phone, text, or email, with clear recommendations and next steps.
You’ll get straightforward advice, no pressure, and coverage options that match your needs, budget, and driving habits, so you can move forward with your auto insurance quote.
Starting July 1, 2026, Ontario is making auto insurance more flexible. Some accident benefits that were previously included in every auto ...
