Auto Insurance
Ontario auto insurance is mandatory, overpaying for it isn't. Sunny compares 60+ insurers to find the right coverage at the right price for how you actually drive.
What's Covered
Mandatory Coverages (OAP 1)
Third-party liability, statutory accident benefits, direct compensation–property damage and uninsured motorist coverage, everything Ontario law requires.
Collision & Comprehensive
Optional physical damage protection for your vehicle, collisions, theft, vandalism, hail and falling objects.
Discounts That Matter
Multi-vehicle, bundling, winter tire, telematics/usage-based and claims-free discounts, we check every one you qualify for.
High-Risk & Facility Market
Tickets, accidents or gaps in coverage? Sunny places high-risk drivers, including Facility Association markets other brokers avoid.
Commercial Use
Driving for work, deliveries or rideshare? Get the right endorsement so a claim never gets denied.
Accident Benefits Options
Increase your medical, attendant care and income replacement limits beyond the standard, explained in plain English.
What Ontario Drivers & Owners Should Know
Ontario uses a no-fault system with Direct Compensation for property damage, and rates vary sharply by territory, where you live in the GTA matters. Winter tire discounts, telematics programs and bundling with home insurance are the fastest legitimate ways to cut premiums. Renewals should be shopped 60–90 days out, not the week they're due.
Who this is for
- New drivers and first-time buyers in Ontario
- Families insuring 2+ vehicles
- Drivers with tickets, accidents or high-risk history
- Anyone whose renewal jumped and wants it re-shopped
Auto Insurance: Common Questions
Ontario's standard policy (OAP 1) requires $200,000 third-party liability, statutory accident benefits, direct compensation–property damage, and uninsured motorist coverage. Most brokers recommend higher liability limits, Sunny will walk you through what makes sense for your assets.
Territory rate changes, claims history, vehicle changes and insurer-wide rate filings all play a role. The fix is simple: have a broker re-shop your file across 60+ companies before you accept the renewal.
Yes. Sunny regularly places drivers with tickets, at-fault accidents or coverage gaps, including through the Facility Association market when needed, and builds a plan to get you back to standard rates.
Typically 10–15% in Ontario. Sunny checks whether the bundle is genuinely cheaper than the best standalone policies, sometimes it isn't, and he'll tell you.
Ready to get covered right?
Get a free, no-obligation quote shopped across 60+ insurance companies. One conversation could save you hundreds.