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Insurance Buddy™ is an online insurance quote system committed to providing complete quote accuracy, operated by INSUREIT GROUP INC. Our goal is to provide the best car insurance rates while maintaining the highest standard of service. It is our mission to drive down your auto and other insurance rates by providing an online rating system based on your driving profile. This site was created to help you find the cheapest insurance rates in Ontario for car and home.

  • Paying too much? High risk drivers – give us a call! We just may have a low cost solution.
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  • Saving you money is our goal – we offer cheap home and car insurance options.
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Recent Blog Posts

Winter Tire Car Insurance Discount in Ontario

Winter tires


Did you hear the news? As of January 1, 2016 all insurance providers in Ontario must offer a discount on car insurance rates for drivers that have winter tires on their vehicle. This is part of the province’s initiative to reduce auto insurance rates by 15%, given that drivers in Ontario pay the highest car insurance rates in the country.

How much can you expect to save? It depends on the provider, but around 5% or so on your fees. The average cost for car insurance in the Greater Toronto Area is about $1,600, so this would translate to a savings of about $80 per year (source: The Toronto Star)  If you use winter tires anyways, you’ll enjoy savings for something you’re already doing. Bonus!

As with all things related to insurance, you will get different experiences with different insurers. Some already offer the discount (so if you need to renew your plan before January 1st, it’s a good idea to search out these providers). Some will, but not unless you ask. So shop around, get different online quotes and be sure to check in about this discount if it is not automatically offered or suggested. With this new requirement, the province did not specify how much the discount has to be, just that it has to be there.

Some other things to note:

  • When getting a car insurance quote, you just need to state that you have winter tires. Your word is enough. However, if you get into an accident and you don’t have the tires, it could spell trouble for you.
  • All season tires do not count for the discount. They must be snow/winter tires.
  • The tires don’t have to be brand new.
  • Generally, all four tires must be winter tires.
  • Different insurers will also have different rules about when the tires must be on. Be sure to ask!

At Insurance Buddy, we think this is a solid initiative. Not only is it great for consumers in Ontario to get a new way to save on their auto insurance, but it also encourages drivers in our province to get winter tires if they don’t currently use them. A very important part of driving safely during the cold and snowy months. This benefits everyone!

So what are you waiting for? Get those winter tires on! The fall is the ideal time to do so. A good rule of thumb is to instant the tires when the temps hit 7C or so.

Have any questions about this winter tire discount? Looking for a quote? Contact us anytime – 1-855-237-2905 or use our online car insurance quote system.


Image source: Salvatore Vuono


Vehicle Safety & Getting the Best Car Insurance Rates

vehicle safety best insurance rates


When you think of getting the best car insurance rates, you might not automatically think of vehicle safety. But there is a connection between safety and cheap car insurance.

Vehicle safety affects what happens to you on the road and what happens to you on the road affects your insurance.

Let’s look at an example. Your car’s left hand blinker is out. You make a left hand turn at a four way stop. Because you didn’t have a signal, a car coming the opposite way hits you. And because of this accident, your insurance rates go up.

Vehicle safety considerations

So how can you make sure that you car is as safe as possible? Here’s a checklist of some of the important things you need to ensure are functioning optimally on your car:

  • Headlights
  • Turn signal lights
  • Brakes
  • Tires
  • Wind-shield wiper fluid
  • Winter vehicle considerations (winter tires etc.) – check out our blog with a winter driving checklist

One of the best ways to be certain your car is meeting all the safety checkpoints is to keep it well maintained and take it for regular tune-ups to a reputable mechanic. This can help with the behind the scenes things that you might not notice until they fail, such as your tires going bald or your brake pads wearing out.

Safety precautions and your insurance rates

Car safety or theft prevention devices not only protect you from having your car stolen, they can also help to lower your insurance rates. Be sure when discussing insurance options with your broker that you let him or her know about any safety devices you might have installed.

The car you drive makes a difference

We all know that cars will have different safety ratings and that some cars are safer than others. This affects your insurance rates. Did you know that insurers consider the make and model of your car when determining the rates to charge you? Driving a car with good safety features is a way to get a cheaper rate.

Curious how your car stacks up? In the market for a new car and want to consider insurance rates before buying? Check out this guide to understanding how cars measure up from the Insurance Bureau of Canada to get a better understanding of how vehicles compare and how insurance providers view different types of cars.

We are talking insurance here, but of course your vehicle safety is important not just for getting the best car insurance rates. The most important thing of all is your personal safety and the safety of those in your car and other individuals on the road. And this is priceless.

Want to get more information on vehicle safety and cheap car insurance? Get an online quote or contact us to find out more. 


Image source: Castillo Dominici


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Current conditions for Toronto as of Sat, 28 Nov 2015 3:58 pm EST

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