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Auto Insurance in Ontario: What McCAM Can Do For You

Before you get behind the wheel, you should know that it is required by law in the province of Ontario to have auto insurance. Ontario drivers need coverage to protect both their vehicle and themselves from a wide range of risks they face while their car is in use – and even when it isn’t. Because Ontario sees the most drivers than any other province in Canada it tends to see higher costs come renewal time for auto insurance. Ontario residents need not despair when it comes to rates, however. McCAM Insurance is available to help look after costs and keep them manageable – without sacrificing any coverage. Let us look after the insurance so that you can get back to driving.

McCAM helps you find competitive auto insurance quotes in Ontario so that you don’t need to go through the entire process by yourself. You might even be surprised at how different some quotes can be! This is why it is absolutely essential to work with an expert such as McCAM. Our professionalism and expert advice are unmatched by any other brokers in the field.

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Ontario Auto Insurance 101

What is auto insurance and why do you need it? Ontario auto insurance is a legal requirement before you can actually get behind the wheel and in order to operate a motor vehicle you must purchase a base amount of coverage. Essentially auto insurance, like any other personal insurance, is an agreement between both you and your provider that may offer you reimbursement for repairs, replacements or losses as a result of a range of risks outlined in your policy. With Ontario auto insurance you may have coverage for some or all of the following:


This may provide coverage for any liability expenses due to damages or injuries you incurred during the usage of your car.


Also known as accident benefits insurance, this protection may reimburse you for some or all of the total cost of rehabilitation, treatment for injuries, lost wages, or even funeral expenses as a result of an accident or collision.


This coverage may provide reimbursement for the cost of repairs or replacements done to your car’s physical structure as a result of an accident or a collision.

Your policy may provide coverage for you (the driver) and any other drivers listed on your policy. Keep in mind that if the usage of your car extends to business reasons, you may want to discuss with your broker as your policy will not cover you for any commercial losses. You may need to ask about acquiring a commercial vehicle policy. McCAM knows that every vehicle and every driver in Ontario is different, so no one insurance policy should be the same.

How to Lower Your Ontario Auto Insurance Rates

The auto insurance brokers in Ontario we have here at McCAM are professionals, and are always willing to help you out in whatever way you need. If you are concerned about selecting a program that works for you but you want to make it work within your budget, we can help. Here are a few ways you can manage your insurance costs without sacrificing coverage:

  • Choose a higher deductible amount. Your deductible is the amount you pay in the event of an accident, so it should be a reasonable number – i.e, something you can mange if you do need to make a claim. The higher your deductible, the lower your rates.
  • Buy your home insurance and auto insurance in Ontario through the same provider. Generally, a return customer may be offered a discount – and especially if you have multiple vehicles insured through one provider.
  • Did you know that where you live may be a factor in the expenses you pay come renewal time? If the area you live sees higher crime rates than average, you may mitigate this expense by installing certain safety features such as anti-theft devices. You may even be eligible for a discount if you include an item like this.
  • Ensure that you maintain a good driving record. You can achieve this through a variety of means, including using your car less (opting to walk, bike, or use public transit), excluding high-risk drivers from your designated driver’s list, or even taking a driver’s education course.
  • You may be eligible for a number of discounts. Discuss with your broker about the possibility of any of the following: driver’s ed, no or few claims, group plans, low mileage, and more.
  • Work with a professional insurance broker (such as the ones at McCAM) to help you look around for competitive auto insurance quotes in Ontario. Your protection plain will vary based on the plan you have and obviously not every insurance program has the same price tag. But when you work with some of McCAM’s best auto insurance brokers in Ontario you may discover quotes not available on the general market.

Our auto insurance brokers in Ontario can discuss with you one-on-one all the more ways you can look after your costs in the most efficient way possible. Chat with us today to learn more tips and tricks for lowering your auto insurance rates!

Free Auto Insurance Quotes Ontario Residents Can Depend Upon

Here at McCAM Insurance we pride ourselves as being some of the best auto insurance brokers Ontario has to offer. We provide our excellent services to all members of the Durham Region, as well as the surrounding area. For when you need competitive quotes with coverage that matches your insurance requirements, look to us – we don’t disappoint.

The auto insurance brokers in Ontario at McCAM have a wealth of knowledge when it comes to insurance and can sit down with you to discuss the ins and outs of your coverage in order to guarantee you are never left wondering if your policy is enough. We find you competitive – free – auto insurance quotes in Ontario, which you can get by applying online today. Quality coverage is only a few minutes away.

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knowing you have teams of experienced, knowledgeable agents


to get you on the road to savings.

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