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KBD is a car insurance broker with 40+ years of experience in the industry.

We provide clients with the best auto insurance by making the process simple, quick & affordable. 

Compare prices among top insurers
Car insurance
coverage we offer
Collision

Subject to a deductible, collision car insurance covers you in the event of an at-fault accident, meaning you were the primary cause of the damage.

Comprehensive

Also referred to as fire, theft, vandalism and glass breakage. Comprehensive insurance is subject to a deductible.

Liability

Covers you for non-responsible accidents or if you cause damage to a third party.

Our clients say it best

More than 600 5-star reviews on
Leah N.
“Great service, very easy and well explained procedures and information needed for insurance. Jordan was great to work with, and had excellent communication skills. 10/10 recommend.”
Shawn B.
“Greg is always making sure all my insurance needs are covered. Excellent service and very responsive.. thanks again!”
Nathan T.
“My first time ever getting insurance for a car and it was super simple. I spoke to Erika who was super nice and answered all my questions, and provided everything I needed!”
Brian B.
“Great experience. As a new to Quebec driver who just bought a car I got my insurance processed over the phone in less than 20 minutes. Very efficient, easy to understand and good coverage.”

Compare rates & shop affordable auto insurance today

Affordable auto insurance FAQ's

How to get cheap car insurance

Here are some of the best ways to get cheap car insurance:

Drive responsibly

It’s true — insurance companies have access to all sorts of data related to road violations. So the more speeding and traffic tickets you collect, the higher your premiums go.

Bundle

Buy an insurance package that includes car insurance and another type of insurance, like home, tenant, or condo. You’ll get a bundle price that lowers both rates.

Avoid making small claims

The more claims you submit, the less attractive you are to insurance companies. Plus, they stay on your record and will cause your future rates to go up. The small claims are the low hanging fruit that you should pay out of pocket rather than ‘wasting’ a claim on.

Telematics

Telematics is an app-based system that tracks your driving habits. Insurance companies then use your driving data to determine your premium. So if you drive responsibly, your rate can go down.

Credit score

Plain and simple: Maintain a good credit score, pay less for your car insurance.

How can I reduce my car insurance rates?

Here are three easy ways to lower your car insurance premiums:

Pay on time

It stands to reason that insurance companies don’t appreciate late payments. Follow the rules and reap the benefits.

Shop around for the best rate

The more you compare quotes from different insurance providers, the higher your likelihood of finding the lowest rate for you. An insurance broker like KBD can shop the market for you.

Sign up for your insurance company’s telematics system

Most insurance companies have an app-based system — like Intact’s my Drive — that tracks your driving habits, and uses your behaviour on the road to determine your premium. Just signing up can save you money, and consistently responsible driving can send your rate down over time.

Is it illegal to not have car insurance in Canada?

Yes! Every Canadian province requires all vehicle owners to carry insurance. More specifically, liability insurance is the minimum coverage required.

What is the cheapest form of car insurance?

One-way insurance.

Liability insurance is the minimum coverage required by law for drivers to carry. It covers you for non-responsible accidents only, meaning the damage occured through no fault of your own.

What is the best car insurance company in Canada?

We don’t believe there’s such a thing as the BEST car insurance company in Canada. Each individual has to find the coverage and price that best suits their needs. Even then, the insurance provider that is best for you now might not be the best for you five years from now.

Having said all that, here are some of what we consider to be the top insurance companies in Canada:

  • Belair
  • Economical
  • Intact
  • Desjardins

Is comprehensive insurance mandatory?

No, it’s not. Every Canadian province requires all vehicle owners to carry, at minimum, liability insurance. However, if you are leasing or financing your car, you will be required by your lender to carry comprehensive.

Is it better to pay car insurance in full or monthly?

To avoid paying interest charges, pay your car insurance in full. If you choose to pay in monthly installments, your insurance company will likely charge you interest.

Which province has the cheapest auto insurance in Canada?

Quebec!

La belle province employs a hybrid car insurance model wherein the private sector (car insurance companies) pays out physical damage claims and the public sector (government) pays out bodily injury claims.

A big reason Ontario (and the United States for that matter) has such high premiums is fraud. And the reason they have fraud is because bodily injury claims go through private insurance, and the responsible driver is on the hook to pay out any damages caused. 

In Quebec, individuals submit their own bodily injury claims through the SAAQ, removing the other party from the process and basically negating the incentive to fake injury to collect money.

Does credit score affect automobile insurance?

Yes it does, and as usual, it has to do with data.

The statistics show that people with good credit scores claim less frequently than those with bad credit scores. Insurance companies like to follow the data, and it reflects in the premiums they offer.

Information needed for car insurance quotes

More is better!

When you call an insurance broker or go online for a quote, the more information you can provide, the more accurate your car insurance quote will be.

Here are some quick items you should have at the ready that you will absolutely need to provide:

  • Your vehicle’s serial number
  • Each driver’s license number
  • Home address
  • Vehicle make and model
  • Name of the registered owner of the vehicle

How do I know if I’m paying too much for car insurance?

The best tip we can give for finding a lower car insurance rate is to shop around among the insurance companies out there.

If you’ve done your homework and properly shopped around, you’ll know the lay of the land, and you’ll know whether one company is overcharging.

We suggest calling at least three companies in order to gauge your car insurance market.

Can I have car insurance in two provinces?

You’re not supposed to.

Here’s how it works: Your car should be registered in the same province as your principal residence.

Your driver’s license should also match the province of your principal residence. According to Canadian law (since 1982) you can only have one principal residence.

And since you need to provide a driver’s license and car registration that matches the province of your insurer, you can’t technically have insurance in more than one province.

Is car insurance different between Canadian provinces?

Yes. Different provinces have different prices, rules, and regulations.

The most expensive car insurance in Canada? British Columbia.

The cheapest? Quebec.

How to get cheap car insurance as a young driver

Getting cheap car insurance as a young driver can be difficult because insurance companies aren’t crazy about the idea of insuring inexperienced drivers. Here are some things you can do as a newcomer.

Sign up for telematics

Most insurance companies have a telematics option in some form, like Intact’s my Drive. It’s an app-based system that tracks your driving habits, and uses your behaviour on the road to determine your premium. You can incur savings just by signing up, and if you consistently drive responsibly, your rate can go down.

Credit score

Insurance companies also look at credit score as an indicator of a responsible client. As a young person, hopefully you haven’t had time to damage your reputation as a borrower. Keep this in check and you can reap the benefits elsewhere.

Rack up experience

Obviously, you don’t have experience until you have it. But if you can keep a clean, claims-free record from the moment you get your licence, your premium will lower over time. Experience wins — it just takes a while to get there.

Pro tip: Put your name as the primary driver on one of your parents’ cars before you start driving — that helps build your profile as a driver.

What are the three types of car insurance in Canada?

Liability insurance Covers you for third party property damage you cause.

For example: You drive your car into a telephone pole and knock it down. Your liability insurance can cover these costs.

Comprehensive insurance Covers you for fire, theft, vandalism, or glass breakage.

For example: Someone breaks into your car and steals your laptop. Your comprehensive insurance can reimburse you for it.

Collision insurance Covers you for accidents for which you were responsible.

For example: You rear end an unsuspecting driver on the highway. Your collision insurance can pay for damage to your car. (The other driver’s insurance will cover their damages.)

Hot tip: If you plan on financing or leasing your next car, you’ll need to get all three of the above coverages.

Does car insurance go down in price every year?

No. In fact, it’s usually the opposite.

Many drivers complain that while the value of their car drops every year, the cost to insure it goes up. It seems counterintuitive.

The reason insurance rates go up doesn’t have to do with the value of the car, but the value to repair it.

Why?

Because the vast majority of accidents claimed are partial losses, not total losses. In other words, insurance companies are more often than not paying out claims to fix or replace parts, not to buy a completely new car.

So why does that make it more expensive? Because a partial loss is, in general, more expensive to fix this year than it was last year, and will be pricier to fix next year and the year after that. The causes? Inflation, increase in cost of materials, and increase in cost of labour.

Does GEICO offer car insurance in Canada?

No, GEICO does not offer car insurance to Canadian residents.

While north of the border we can’t save 15% or more on car insurance by switching to GEICO, we CAN enjoy their silly commercials on the American TV networks.

Is comprehensive insurance the same as full coverage?

No. Comprehensive doesn’t cover you for everything.

Comprehensive car insurance covers you for fire, theft, vandalism, and glass breakage. 

Full coverage includes everything comprehensive does, plus responsible and non-responsible accidents.

What age group pays the most for car insurance?

Males between the ages of 17 and 23.

Why? The data shows they get into more accidents and cost insurance companies more money than any other demographic.

Read more: A Guide to Buying First Time Car Insurance

Can you claim car insurance twice in a year?

You can make as many car insurance claims as you’d like — but you shouldn’t.

Be careful, because the more you claim, the higher your rates will go and the less coverage companies will be willing to offer. The same way liability insurance is mandatory for drivers, it’s also the minimum insurance companies are required to provide you. So if you submit claim after claim, they could refuse your collision and comprehensive coverage — and without those, you won’t be able to lease or finance.

So you can claim car insurance twice or more in a year, but you’ll be hard-pressed to find good (and affordable) insurance the next year.

Why is auto insurance so expensive?

The price of car insurance depends on where you live, your gender, your age, your claims history, and more.

You can lower your car insurance premiums by avoiding claims, paying on time, shopping around, and more.

What deductible should I have for car insurance?

At KBD, we always suggest a minimum deductible of $1,000 for collision insurance (responsible accidents) and $500 for comprehensive insurance (fire, theft, vandalism, glass breakage). If you can afford to go higher, you should, because the higher deductible you take, the lower your insurance premium will be. And since we don’t advise making small claims (the fewer claims the better!), you can rationalize a larger deductible.

Can car insurance quotes change?

Yes, but if you provide accurate information, it shouldn’t.

A common example: A potential client calls for a quote and the broker asks whether they’ve made any claims in the last five years. The client says no, and the broker produces a quote.

Later, when the client provides their driver’s license number, the broker goes into the claims database and finds that there is a claim within the last five years. Whether the client lied or simply forgot, the information was missing.

When the actual price is drawn up, it will be higher than the quote since it now takes the claim into account. Inaccurate claims history is the most common reason a quote would change.

How much is auto insurance for a new driver in Canada?

We really can’t give an accurate answer to that.

Car insurance rates in Canada are determined by factors unique to each driver, like the type of car you drive, where you live, and more.

Shop around and do your research, and you’ll learn what the market looks like for a driver with your profile.

How do I move my car insurance to another province?

First, you need to register your vehicle in your new province and get new licence plates. Then, call up an insurance company or a broker from within that province to get a quote. Simple as that!

How to get cheap car insurance

Here are some of the best ways to get cheap car insurance:

Drive responsibly

It’s true — insurance companies have access to all sorts of data related to road violations. So the more speeding and traffic tickets you collect, the higher your premiums go.

Bundle

Buy an insurance package that includes car insurance and another type of insurance, like home, tenant, or condo. You’ll get a bundle price that lowers both rates.

Avoid making small claims

The more claims you submit, the less attractive you are to insurance companies. Plus, they stay on your record and will cause your future rates to go up. The small claims are the low hanging fruit that you should pay out of pocket rather than ‘wasting’ a claim on.

Telematics

Telematics is an app-based system that tracks your driving habits. Insurance companies then use your driving data to determine your premium. So if you drive responsibly, your rate can go down.

Credit score

Plain and simple: Maintain a good credit score, pay less for your car insurance.

How to get cheap car insurance as a young driver

Getting cheap car insurance as a young driver can be difficult because insurance companies aren’t crazy about the idea of insuring inexperienced drivers. Here are some things you can do as a newcomer.

Sign up for telematics

Most insurance companies have a telematics option in some form, like Intact’s my Drive. It’s an app-based system that tracks your driving habits, and uses your behaviour on the road to determine your premium. You can incur savings just by signing up, and if you consistently drive responsibly, your rate can go down.

Credit score

Insurance companies also look at credit score as an indicator of a responsible client. As a young person, hopefully you haven’t had time to damage your reputation as a borrower. Keep this in check and you can reap the benefits elsewhere.

Rack up experience

Obviously, you don’t have experience until you have it. But if you can keep a clean, claims-free record from the moment you get your licence, your premium will lower over time. Experience wins — it just takes a while to get there.

Pro tip: Put your name as the primary driver on one of your parents’ cars before you start driving — that helps build your profile as a driver.

How can I reduce my car insurance rates?

Here are three easy ways to lower your car insurance premiums:

Pay on time

It stands to reason that insurance companies don’t appreciate late payments. Follow the rules and reap the benefits.

Shop around for the best rate

The more you compare quotes from different insurance providers, the higher your likelihood of finding the lowest rate for you. An insurance broker like KBD can shop the market for you.

Sign up for your insurance company’s telematics system

Most insurance companies have an app-based system — like Intact’s my Drive — that tracks your driving habits, and uses your behaviour on the road to determine your premium. Just signing up can save you money, and consistently responsible driving can send your rate down over time.

What are the three types of car insurance in Canada?

Liability insurance Covers you for third party property damage you cause.

For example: You drive your car into a telephone pole and knock it down. Your liability insurance can cover these costs.

Comprehensive insurance Covers you for fire, theft, vandalism, or glass breakage.

For example: Someone breaks into your car and steals your laptop. Your comprehensive insurance can reimburse you for it.

Collision insurance Covers you for accidents for which you were responsible.

For example: You rear end an unsuspecting driver on the highway. Your collision insurance can pay for damage to your car. (The other driver’s insurance will cover their damages.)

Hot tip: If you plan on financing or leasing your next car, you’ll need to get all three of the above coverages.

Is it illegal to not have car insurance in Canada?

Yes! Every Canadian province requires all vehicle owners to carry insurance. More specifically, liability insurance is the minimum coverage required.

Does car insurance go down in price every year?

No. In fact, it’s usually the opposite.

Many drivers complain that while the value of their car drops every year, the cost to insure it goes up. It seems counterintuitive.

The reason insurance rates go up doesn’t have to do with the value of the car, but the value to repair it.

Why?

Because the vast majority of accidents claimed are partial losses, not total losses. In other words, insurance companies are more often than not paying out claims to fix or replace parts, not to buy a completely new car.

So why does that make it more expensive? Because a partial loss is, in general, more expensive to fix this year than it was last year, and will be pricier to fix next year and the year after that. The causes? Inflation, increase in cost of materials, and increase in cost of labour.

What is the cheapest form of car insurance?

One-way insurance.

Liability insurance is the minimum coverage required by law for drivers to carry. It covers you for non-responsible accidents only, meaning the damage occured through no fault of your own.

Does GEICO offer car insurance in Canada?

No, GEICO does not offer car insurance to Canadian residents.

While north of the border we can’t save 15% or more on car insurance by switching to GEICO, we CAN enjoy their silly commercials on the American TV networks.

What is the best car insurance company in Canada?

We don’t believe there’s such a thing as the BEST car insurance company in Canada. Each individual has to find the coverage and price that best suits their needs. Even then, the insurance provider that is best for you now might not be the best for you five years from now.

Having said all that, here are some of what we consider to be the top insurance companies in Canada:

  • Belair
  • Economical
  • Intact
  • Desjardins

Is comprehensive insurance the same as full coverage?

No. Comprehensive doesn’t cover you for everything.

Comprehensive car insurance covers you for fire, theft, vandalism, and glass breakage. 

Full coverage includes everything comprehensive does, plus responsible and non-responsible accidents.

Is comprehensive insurance mandatory?

No, it’s not. Every Canadian province requires all vehicle owners to carry, at minimum, liability insurance. However, if you are leasing or financing your car, you will be required by your lender to carry comprehensive.

What age group pays the most for car insurance?

Males between the ages of 17 and 23.

Why? The data shows they get into more accidents and cost insurance companies more money than any other demographic.

Read more: A Guide to Buying First Time Car Insurance

Is it better to pay car insurance in full or monthly?

To avoid paying interest charges, pay your car insurance in full. If you choose to pay in monthly installments, your insurance company will likely charge you interest.

Can you claim car insurance twice in a year?

You can make as many car insurance claims as you’d like — but you shouldn’t.

Be careful, because the more you claim, the higher your rates will go and the less coverage companies will be willing to offer. The same way liability insurance is mandatory for drivers, it’s also the minimum insurance companies are required to provide you. So if you submit claim after claim, they could refuse your collision and comprehensive coverage — and without those, you won’t be able to lease or finance.

So you can claim car insurance twice or more in a year, but you’ll be hard-pressed to find good (and affordable) insurance the next year.

Which province has the cheapest auto insurance in Canada?

Quebec!

La belle province employs a hybrid car insurance model wherein the private sector (car insurance companies) pays out physical damage claims and the public sector (government) pays out bodily injury claims.

A big reason Ontario (and the United States for that matter) has such high premiums is fraud. And the reason they have fraud is because bodily injury claims go through private insurance, and the responsible driver is on the hook to pay out any damages caused. 

In Quebec, individuals submit their own bodily injury claims through the SAAQ, removing the other party from the process and basically negating the incentive to fake injury to collect money.

Why is auto insurance so expensive?

The price of car insurance depends on where you live, your gender, your age, your claims history, and more.

You can lower your car insurance premiums by avoiding claims, paying on time, shopping around, and more.

Does credit score affect automobile insurance?

Yes it does, and as usual, it has to do with data.

The statistics show that people with good credit scores claim less frequently than those with bad credit scores. Insurance companies like to follow the data, and it reflects in the premiums they offer.

What deductible should I have for car insurance?

At KBD, we always suggest a minimum deductible of $1,000 for collision insurance (responsible accidents) and $500 for comprehensive insurance (fire, theft, vandalism, glass breakage). If you can afford to go higher, you should, because the higher deductible you take, the lower your insurance premium will be. And since we don’t advise making small claims (the fewer claims the better!), you can rationalize a larger deductible.

Information needed for car insurance quotes

More is better!

When you call an insurance broker or go online for a quote, the more information you can provide, the more accurate your car insurance quote will be.

Here are some quick items you should have at the ready that you will absolutely need to provide:

  • Your vehicle’s serial number
  • Each driver’s license number
  • Home address
  • Vehicle make and model
  • Name of the registered owner of the vehicle

Can car insurance quotes change?

Yes, but if you provide accurate information, it shouldn’t.

A common example: A potential client calls for a quote and the broker asks whether they’ve made any claims in the last five years. The client says no, and the broker produces a quote.

Later, when the client provides their driver’s license number, the broker goes into the claims database and finds that there is a claim within the last five years. Whether the client lied or simply forgot, the information was missing.

When the actual price is drawn up, it will be higher than the quote since it now takes the claim into account. Inaccurate claims history is the most common reason a quote would change.

How do I know if I’m paying too much for car insurance?

The best tip we can give for finding a lower car insurance rate is to shop around among the insurance companies out there.

If you’ve done your homework and properly shopped around, you’ll know the lay of the land, and you’ll know whether one company is overcharging.

We suggest calling at least three companies in order to gauge your car insurance market.

How much is auto insurance for a new driver in Canada?

We really can’t give an accurate answer to that.

Car insurance rates in Canada are determined by factors unique to each driver, like the type of car you drive, where you live, and more.

Shop around and do your research, and you’ll learn what the market looks like for a driver with your profile.

Can I have car insurance in two provinces?

You’re not supposed to.

Here’s how it works: Your car should be registered in the same province as your principal residence.

Your driver’s license should also match the province of your principal residence. According to Canadian law (since 1982) you can only have one principal residence.

And since you need to provide a driver’s license and car registration that matches the province of your insurer, you can’t technically have insurance in more than one province.

How do I move my car insurance to another province?

First, you need to register your vehicle in your new province and get new licence plates. Then, call up an insurance company or a broker from within that province to get a quote. Simple as that!

Is car insurance different between Canadian provinces?

Yes. Different provinces have different prices, rules, and regulations.

The most expensive car insurance in Canada? British Columbia.

The cheapest? Quebec.

Find more great auto insurance here

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