Auto insurance is mandatory to have on any vehicles you own in Ontario. Let National Truck League make that part of your life easy for you. As a broker, we have the ability to quote your insurance policy with the best insurance companies in Canada, finding you the best price and coverage. Every year your insurance policy renews and we will check-in with you to make sure your policy and information is accurate and if you have the best pricing. Whether you need coverage for a vehicle you take to the truck yard and back or for your weekend cruiser, we got you covered.

What Does Auto Insurance Cover?

Required, Mandatory Coverage

Liability Coverage (Bodily Injury and Property Damage): This coverage protects you if you injure someone or damage someone else’s property in an automobile incident.
Accident Benefits: If you are injured in a car accident, you have coverage for medical and other expenses that occur from your injuries.
Direct Compensation-Property Damage: Coverage for damages to your car in an accident where you were not at fault.
Uninsured Motorist Coverage: If you get into an accident and the other driver did not have insurance or you could not identify the vehicle, this will cover your medical costs and damages.

Optional Coverage

Collision Insurance Coverage: If you are in an accident with another vehicle or an object such as a light post or street sign. Collision covers the damages to your vehicle, subject to a deductible.
Comprehensive Insurance Coverage: Covers you if your vehicle is damaged by fire, theft or vandalism.
Accident Forgiveness: Protect your rates from going up as a direct result of an at-fault accident. If you purchase accident forgiveness and you get into an at-fault accident, your rates will not be affected on your renewal because of this accident.
Limited Waiver of Depreciation: If you have a newer vehicle and get into an accident where your vehicle is a total loss, you can get the full purchase price of your vehicle as the settlement, instead of the depreciated value.

How Much Does Auto Insurance Cost in Ontario?

There are many different factors that contribute to the cost of an automobile insurance policy in Ontario. Here are some common factors that create premium differences in Ontario insurance:

Where you live: premiums are rated differently per postal code. Larger urban areas like Toronto tend to have higher premiums in that area. Small towns with small populations that usually create less claims will have cheaper premiums in that area.

Your driving record: 3 major factors contribute to your driving record. The number of years you have been licensed plays a big factor in insurance premiums. At-fault accidents also will increase insurance premiums if you do not have accident forgiveness. Convictions on your record will also create higher rates on your automobile policy.

Your vehicle: the year, make and model of your vehicle affects your insurance premium. The Vehicle Identification Number (VIN) of your vehicle helps determine cost and value of your car as well as the safety features within the vehicle.

Your coverage: Depending on what coverages you choose to purchase, the premium of the policy will vary. For example, if you fully insure your vehicle and add as many optional coverages that you can, the more it will cost to insure your vehicle.

Discounts That Can Apply to Auto Insurance:

  • Winter Tire Discount
  • Private Parking Discount
  • Multi-Vehicle Discount
  • Multi-Policy Discount
  • Loyalty Discount
  • Conviction Free Discount
  • Retiree Discount

National Truck League can insure your motorcycles too! Ask one of our licensed brokers to get a quote.

NTL Group Home and Auto Discounts for Fleets: Being a part of a fleet that has an NTL Group Plan to get additional discounts for just being a part of that fleet! Learn more here