The Insurance Checkup | Compare Car Insurance in Canada

Is Your Car Insurance Still the Right Fit?

Your insurance needs can change over time. A new vehicle, different commute, lower mileage or even a move to a new postal code can affect your insurance profile. Before accepting another renewal at the same price, it may be worth taking a closer look at your current coverage.

Compare my options

When Was the Last Time You Reviewed Your Policy?

Before you renew at the same price, see what influences your premium and whether your coverage still fits.

Even small changes can matter

Many drivers renew their auto insurance year after year without checking whether their current coverage still matches their situation.

Maybe you're driving less than you used to. Maybe you've changed vehicles. Perhaps your daily commute is different — or your current deductible no longer feels right.

A quick review can help you understand what you're paying for and what areas of your policy may be worth comparing.

Liability coverage
Collision coverage
Comprehensive coverage
Deductibles
Rental vehicle protection
Roadside assistance
Optional endorsements

Review my coverage

What Can Affect Your Insurance Rate?

Your premium isn't based on your vehicle alone. Insurance providers may consider several factors when assessing your profile.

Your Postal Code

Where you live and where your vehicle is primarily kept can influence your insurance profile.

Your Driving History

Tickets, claims and years of driving experience may affect the rates available to you.

Your Vehicle

Different vehicles can have different repair costs, theft risks and insurance characteristics.

Your Annual Mileage

How much you drive during the year can be another factor considered when determining your premium.

How You Use Your Vehicle

Daily commuting, personal use and other types of driving may be treated differently.

Your Coverage Choices

Your selected limits, deductibles and optional coverage can all influence the price you pay.

Start with coverage terms, not just the monthly price — then compare options that match your profile.

Don't Compare Prices Without Comparing Coverage

A lower premium doesn't always mean a better policy. When comparing insurance options, it's important to look at what you're actually getting for the price.

For example, two policies may have different deductibles, coverage limits or optional protections. That's why comparing the monthly price alone can sometimes be misleading.

Before choosing, compare:

Liability limits How much protection is included if you're responsible for damage or injury?

Deductible How much would you have to pay out of pocket if you make a covered claim?

Collision coverage Does your policy provide protection for eligible damage resulting from a collision?

Comprehensive Protection for eligible non-collision events such as theft, vandalism or certain weather-related damage?

Additional protection Are options such as rental vehicle coverage or roadside assistance included or available?

View price options

The Deductible Trade-Off

Your deductible is one of the easiest parts of a policy to overlook.

A lower deductible can mean paying more for your insurance.

A higher deductible can reduce the premium, but it also means you'll have more out-of-pocket expense if you make a claim.

The right balance depends on your circumstances and how much unexpected expense you're comfortable handling.

Before changing your deductible, ask yourself:

Could I comfortably pay this amount if I had to make a claim?

Is the monthly savings worth taking on more out-of-pocket risk?

Am I comparing policies with similar deductibles?

Start my insurance check

A Quick Insurance Check Can Help

Your insurance needs aren't identical to someone else's. The right coverage can depend on your vehicle, driving habits, location and the level of protection you're looking for. Instead of trying to compare everything at once, start with a few basic questions.

Start my 5-question check

Your vehicleWhat you drive and how you use it.

Your drivingHow often you drive and typical usage.

Your locationWhere your vehicle is primarily kept.

Your coverageWhat protection you're considering.

Your prioritiesValue, broader protection, or balance.

Let's Check Your Insurance Profile

Answer five short questions to see which areas of your profile may be worth reviewing.

Checking profile details

Your Insurance Check Is Complete

Match confidence: High

Based on the information you provided, there are several areas of your insurance profile that may be worth reviewing.

Recommended focus Compare coverage and deductible options. Looking at similar policies with comparable coverage limits and deductibles can make it easier to understand whether you're getting competitive value.

Profile factors Your vehicle type, driving frequency, usage and location can all be relevant when comparing available insurance options.

Coverage check Before choosing a policy, review your liability protection, collision and comprehensive coverage, deductible and any optional protections you may need.

Your next step Compare available options based on your individual profile.

See my options

Partner link may be compensated. No extra cost to you for using this route.

Before your renewal date

Don't Wait Until Your Next Renewal

Your circumstances can change — and your insurance options can change with them. A short review can help you see what coverage still fits and what you may want to compare.

Already started the check? You can return to your answers anytime.

Back to the insurance check