Why Compare Quotes at Insurance Hunter?

Auto insurance isn't just nice to have -- it's mandatory! The good news is that Insurance Hunter can help you find the right car insurance coverage for the best price.

We use the latest quote comparison technology (with access to the top car insurance companies in Canada) and combine it with the best and most knowledgeable insurance professionals around.

And getting your quote couldn't be easier: fill out the car insurance form on our website with a few of your driver details and we'll find you 10 or more of the best personalized car insurance quotes available to you.

Once you've gotten your quote, one of our Insurance Hunters will help you review and finalize your policy and answer any questions you have. Our 'hunters' are licensed insurance professionals who have one goal in mind: to make sure you're getting the right coverage at the lowest possible price. In fact, they'll likely have some tips that could help save you even more money on your car insurance!

What to Expect From Insurance Hunter

Here's what car insurance shoppers can expect from InsuranceHunter.ca:

  • 10+ Car Insurance Quotes in 3 minutes or less
  • Average car insurance savings of $200+
  • Quotes from many of the top providers in your area
  • Access to qualified, independent, fully-licensed insurance professionals that give unbiased advice
  • No sales pitches or weird up-selling
  • Always secure and private -- your information is confidential and will never be shared or sold
  • A service that's available around the clock, 24/7!

Insurance Hunter Explains: Coverage

Don't suffer from coverage confusion -- here's what you need to know about car insurance coverage in Canada:

Mandatory Auto Coverage

There's coverage you should have, and then there's coverage you must have. Mandatory Coverage comes in two parts:

Liability

Liability coverage pays for damages if you're held legally responsible for harming someone while you're driving. It also covers damage to the injured party's property, including their vehicle and the contents inside it.

Accident Benefits

This coverage pays for the costs associated with funerals, healthcare expenses (rehab, surgery, etc.) and loss of income associated with the accident.

Optional Auto Coverage

Drivers usually take policies that include certain types of optional coverage too. There are many different types of Optional Coverage to choose from:

Collision

Collision coverage pays for damages if your car collides with an object (tree, fence, roadside debris, etc.) or another vehicle. Just make a claim and your repairs will be paid by insurance (minus any applicable deductible).

Comprehensive

Comprehensive coverage is just that -- comprehensive! Meaning it covers a lot of other random hazards that might damage your vehicle. What kind of damages, you ask? Try fire, theft, vandalism, falling objects -- even lightning. This coverage is optional but our insurance hunters tend to recommend it because it offers drivers peace of mind. Random damages happen more than you think!

Named/Specified Perils

This coverage applies to damages resulting from a hazard named specifically in the policy. Want coverage for a specific type of hazard only? Specified perils coverage is the answer!

All Perils

The total package. All Perils coverage gives you the full span of coverage -- think of it basically as an unbeatable combination of Collision and Comprehensive. This is coverage for the type of person who wants their damages paid no matter what!

Temporary Vehicle Replacement/Loss of Use

If your vehicle is in the shop for an insured repair, this type of coverage pays for alternate transportation -- usually a rental car or, if you prefer, a cab.

Depreciation Waiver

Think your car depreciates as soon as you drive it off the lot? Not with depreciation waiver coverage! If your vehicle is damaged in an accident, with depreciation waiver coverage your insurer will value your car as if it were brand new!

Insurance Hunter Explains: First things to do if you're in an accident

  • For a minor accident, move your vehicle off the road to a safe place that doesn't interfere with traffic. In a major accident involving serious injuries or severe damage, leave your vehicle where it is and move to a safe location.
  • Anytime your vehicle has sustained significant damage or someone has been injured, call 911 immediately.
  • Turn your car's engine off.
  • Exchange insurance/contact information with the other driver
  • Never admit fault, never accept money from another driver, and never sign any documents pertaining to the accident or who is at fault!

Insurance Hunter Explains: Making a claim

Making an insurance claim is never fun, but it doesn't have to be stressful either. Get the straight goods from our insurance hunters on how to get your claims processed without a hassle.

Report the accident to law enforcement if someone is injured or if your damage appears to be significant (in most provinces, over $1000).

Gather driver information from the other parties involved in the accident. This includes names, addresses, license plates and phone numbers.

Call your insurer (the number will be on your paper insurance card) to inform them of the accident as soon as possible. They will help you from there and tell you what steps you need to take.

After the repairs to your vehicle are done, inspect the work and make sure you're happy with it. And of course, keep all of your receipts!

Insurance Hunter Explains: How to save money on car insurance

Our insurance hunters know how to save you money on car insurance -- that's what they do!

These are 5 of their favourite tips:

  • Shop around
  • Get a higher deductible
  • Reduce your coverage, especially on old cars with low replacement costs
  • Drive a vehicle that's cheap to insure (family sedans with low horsepower and lots of safety features are a good place to start)
  • Take advantage of the various discounts your insurer offers (bundling discounts, low annual mileage discounts, safety feature discounts, driver monitoring device discounts and many more).

Car Insurance: Straight talk and tips from our Insurance Hunters:

Hunter Profile Image - Bruce

Bruce says: "Lock it before you leave it! Did you know that many vehicle thefts take less than a minute to perform? Scary huh? That's why at Insurance Hunter we always tell our customers to park in well-lit areas, lock their car doors, roll up their windows and keep valuables out of plain view."

Hunter Profile Image - Sandy

Sandy says: "I advise clients all the time to maintain a good credit score. Insurers view drivers with good credit as less risky, believe it or not. Check your credit report to make sure it's correct and of course, pay your bills on time!"

Hunter Profile Image - Kenny

Kenny says: "Try bundling. You can save 10% or more on you car insurance when you had a home or renter's insurance policy with the same insurer."

Hunter Profile Image - Rachael

Rachael says: "This is an oldie but a goodie: winter tires! Many insurers will knock some money off your premium if you have them!"

Insurance Hunter Explains: Getting Your License From Province to Province

Before insurance, there's your license! Licensing and insurance regulations vary depending on which province you live in. This table gives you a quick overview of some of the key licensing requirements from province to province.

Ontario

Minimum Age for Learner's Permit

16 years of age; only valid if accompanied by a supervising driver who has held Full License for at least 4 years.

Steps to Full License

Learner’s Permit (G1) available at age 16; Must retain Learner’s Permit for one year (or 8 months with driver training course) and pass a road test to receive Probationary License; Must retain Probationary License (G2) for one year and pass a road test to receive Full License

Key Restrictions

0.0% Blood Alcohol restriction for drivers without a Full License; Drivers with a Learner’s Permit cannot operate vehicle between 12:00 a.m. and 5:00 a.m.; Other restrictions apply and you can refer to your province’s licensing website for details.

Type of Insurance System

Private insurers provide coverage with oversight from the provincial government via the Financial Services Commission of Ontario (FSCO).

Alberta

Minimum Age for Learner's Permit

14 years of age; only valid if accompanied by a supervising driver who has Full License and is over the age of 18.

Steps to Full License

Learner’s Permit Until Age 16; Must retain Learner’s Permit for at least one year and pass a road test to receive Probationary License; Must retain Probationary license for 2 years and be 18 to obtain Full License

Key Restrictions

0.0% Blood Alcohol restriction for drivers without a Full License; Drivers with a Learner’s Permit cannot operate vehicle between 12:00 a.m. and 5:00 a.m.; Other restrictions apply and you can refer to your province’s licensing website for details.

Type of Insurance System

Private insurers provide coverage with oversight from the provincial government via the Office of the Superintendent of Insurance and the Automobile Insurance Rate Board (AIRB).

New Brunswick

Minimum Age for Learner's Permit

16 years of age; only valid if accompanied by a supervising driver who has held Full License for at least 3 years.

Steps to Full License

Learner’s Permit (Level 1) at age 16; Must retain Learner’s Permit for one year (or 8 months with driver training course); Must retain Probationary License (Level 2) for a minimum of 12 months and pass a road test to obtain Full License; Time spent in graduated licensing program must be at least 24 months

Key Restrictions

0.0% Blood Alcohol restriction for drivers without a Full License; Cannot drive between 12:00 a.m. and 5:00 a.m. Other restrictions apply and you can refer to your province’s licensing website for details.

Type of Insurance System

Private insurers provide coverage with oversight from the provincial government via the Financial and Consumer Commission and the New Brunswick Insurance Board (NBIB).

Newfoundland and Labrador

Minimum Age for Learner's Permit

16 years of age; only valid if accompanied by a supervising driver who has held Full License for at least 4 years.

Steps to Full License

Learner’s Permit at Age 16; Must retain Learner’s Permit (called Class 5, Level 1) for one year (or 8 months with driver training program) and pass a road test to receive Probationary License; Full License granted after passing a road test and retaining the Learner’s Permit for at least one year

Key Restrictions

0.0% Blood Alcohol restriction for drivers without a Full License; No driving between 12:00 a.m. and 5:00 a.m. for drivers with a Learner’s Permit; Must be accompanied by a fully-licensed driver to operate a vehicle between 12:00 a.m. and 5:00 a.m. with a Probationary License; Other restrictions apply and you can refer to your province’s licensing website for details.

Type of Insurance System

Private insurers provide coverage with oversight from the provincial government.

Nova Scotia

Minimum Age for Learner's Permit

16 years of age; only valid with fully-licensed driver in vehicle whose blood alcohol level does not exceed 0.05%

Steps to Full License

Learner’s Permit at Age 16; Must retain Learner’s Permit for six months (or 3 months with driver training program) and pass a road to test to receive Probationary License; Must retain Probationary License (called Newly Licensed in NS) for 24 months and pass a 6 hour defensive driving course or 35 hour driver training course to be granted Full License

Key Restrictions

0.0% Blood Alcohol restriction for drivers without a Full License; Probationary License holders must be accompanied by a fully-licensed driver while operating a vehicle between 12:00 a.m. and 5:00 a.m. Other restrictions apply and you can refer to your province’s licensing website for details.

Type of Insurance System

Private insurers provide coverage with oversight from the provincial government via the Nova Scotia Office of the Superintendent.

Prince Edward Island

Minimum Age for Learner's Permit

16 years of age; only valid if accompanied by a supervising driver who has held Full License for at least 4 years and whose blood alcohol levels are below 0.05%.

Steps to Full License

Learner’s Permit (called instruction permit) at age 16; Must retain Learner’s Permit for one year (or 275 days with driver training course) and pass a road test to receive Probationary License; Must retain Probationary License for 24 months to be granted Full License

Key Restrictions

0.0% Blood Alcohol restriction for drivers without a Full License; Learner’s License holders are prohibited from driving between 1:00 a.m. and 5:00 a.m., but this restriction is waived if the driver is 21 or older. Other restrictions apply and you can refer to your province’s licensing website for details.

Type of Insurance System

Private insurers provide coverage with oversight from the provincial government.

Quebec

Minimum Age for Learner's Permit

16 years of age; only valid with supervising driver in vehicle who has held a Full License for at least two years and whose blood alcohol level does not exceed 0.05%.

Steps to Full License

Learner’s permit at age 16; Must retain Learner’s Permit for at least 12 months and pass mandatory driver training course to receive Probationary License; Must retain Probationary License for 24 months before being granted a Full License

Key Restrictions

0.0% Blood Alcohol restriction for drivers without a Full License

Type of Insurance System

Public/Private Hybrid; Quebec government administers personal injury coverage through the Societe de l’assurance du Quebec (SAAQ). Property-relatedcoverage is offered by private insurance firms.

Manitoba

Minimum Age for Learner's Permit

16 years of age; only valid with supervising driver in vehicle who has held a Full License for at least three years and whose blood alcohol level does not exceed 0.05%.

Steps to Full License

Learner’s Permit (called 5L) at age 16, or at 15 and a half if enrolled in high school driver education course; Must retain Learner’s Permit for at least 9 months and pass a road test to receive Probationary License (called 5l); Must hold Probationary License for 15 months to receive Full License

Key Restrictions

0.0% Blood Alcohol restriction for drivers without a Full License

Type of Insurance System

Operated by the provincial government through Manitoba Public Insurance (MPI).

Saskatchewan

Minimum Age for Learner's Permit

15 years of age with driver training course or 16 without; Must be accompanied by fully-licensed driver of 3 years in vehicle whose blood alcohol level does not exceed 0.05

Steps to Full License

Learner’s permit at age 15 or 16; Must retain Learner’s Permit for at least 9 months and pass road test to receive Probationary License; Must retain Probationary License for 18 months incident-free before being granted Full License

Key Restrictions

0.0% Blood Alcohol restriction for drivers without a Full License; Must be accompanied by driver who has held full license for at least 3 years

Type of Insurance System

Operated by the provincial government through Saskatchewan Government Insurance (SGI).

British Columbia

Minimum Age for Learner's Permit

16 years of age; only valid if accompanied by fully-licensed driver over the age of 25

Steps to Full License

Learner’s Permit (called 7L) at age 16; Must retain Learner’s Permit for one year and pass a road test to receive Probationary License (called Novice Permit); Must retain Probationary license for 2 years, pass road test and be 18 to obtain Full License

Key Restrictions

0.0% Blood Alcohol restriction for drivers without a Full License; Must be accompanied by a driver over the age of 25 who has a Full License

Type of Insurance System

Operated by the provincial government through the Insurance Corporation of British Columbia (ICBC).