{"id":3472,"date":"2022-07-01T16:09:09","date_gmt":"2022-07-01T16:09:09","guid":{"rendered":"https:\/\/fictionpad.com\/blog\/?p=3472"},"modified":"2022-07-01T16:09:09","modified_gmt":"2022-07-01T16:09:09","slug":"most-cost-efficient-car-insurance-in-scarborough-ontario","status":"publish","type":"post","link":"https:\/\/fictionpad.com\/blog\/most-cost-efficient-car-insurance-in-scarborough-ontario\/","title":{"rendered":"Most Cost-Efficient Car Insurance in Scarborough, Ontario"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">If you are a resident of Ontario, Canada, you are most likely familiar with the necessity of car insurance. Having car insurance is mandatory in Ontario. Aside from this, there are multiple reasons why you should purchase a car insurance policy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Owning a car in Ontario exposes the owner to multiple financial risks. However, when you have car insurance, the chances of falling into financial issues are reduced. The insurance policy can cover any damage to your vehicle if you are liable to pay repair bills or medical expenses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Thus, choosing the right car insurance company is vital. So today, we will be discussing the top car insurance providers of Scarborough, Ontario. You can also contact <\/span><a href=\"https:\/\/www.surex.com\/insurance\/auto-car\"><span style=\"font-weight: 400;\">Surex <\/span><\/a><span style=\"font-weight: 400;\">to get the best quotes for cheap car insurance Scarborough Ontario has to offer.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69e49dd36310e\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69e49dd36310e\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/fictionpad.com\/blog\/most-cost-efficient-car-insurance-in-scarborough-ontario\/#Benefits_of_having_car_insurance_in_Scarborough_Ontario\" >Benefits of having car insurance in Scarborough Ontario<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/fictionpad.com\/blog\/most-cost-efficient-car-insurance-in-scarborough-ontario\/#Personal_accident_cover\" >Personal accident cover<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/fictionpad.com\/blog\/most-cost-efficient-car-insurance-in-scarborough-ontario\/#Damage_to_an_insured_vehicle\" >Damage to an insured vehicle<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/fictionpad.com\/blog\/most-cost-efficient-car-insurance-in-scarborough-ontario\/#Third-party_liability\" >Third-party liability<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/fictionpad.com\/blog\/most-cost-efficient-car-insurance-in-scarborough-ontario\/#Cost-efficient_car_insurance_companies_in_Scarborough_Ontario\" >Cost-efficient car insurance companies in Scarborough, Ontario<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/fictionpad.com\/blog\/most-cost-efficient-car-insurance-in-scarborough-ontario\/#1Surex\" >1.Surex<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/fictionpad.com\/blog\/most-cost-efficient-car-insurance-in-scarborough-ontario\/#2Aviva_Canada\" >2.Aviva Canada<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/fictionpad.com\/blog\/most-cost-efficient-car-insurance-in-scarborough-ontario\/#3Wawanesa_Insurance\" >3.Wawanesa Insurance<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/fictionpad.com\/blog\/most-cost-efficient-car-insurance-in-scarborough-ontario\/#4Belairdirect\" >4.Belairdirect<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/fictionpad.com\/blog\/most-cost-efficient-car-insurance-in-scarborough-ontario\/#5Economical_insurance\" >5.Economical insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/fictionpad.com\/blog\/most-cost-efficient-car-insurance-in-scarborough-ontario\/#6Geico\" >6.Geico<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/fictionpad.com\/blog\/most-cost-efficient-car-insurance-in-scarborough-ontario\/#How_to_get_the_most_cost-effective_insurance_in_Scarborough\" >How to get the most cost-effective insurance in Scarborough<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/fictionpad.com\/blog\/most-cost-efficient-car-insurance-in-scarborough-ontario\/#Endnote\" >Endnote<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h1><span class=\"ez-toc-section\" id=\"Benefits_of_having_car_insurance_in_Scarborough_Ontario\"><\/span><span style=\"font-weight: 400;\">Benefits of having car insurance in Scarborough Ontario<\/span><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p><span style=\"font-weight: 400;\">Here are the major benefits of having car insurance.<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Personal_accident_cover\"><\/span><span style=\"font-weight: 400;\">Personal accident cover<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">A major advantage of having car insurance is that you will be receiving personal accidents cover. It offers protection against total disability and death due to an accident.<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Damage_to_an_insured_vehicle\"><\/span><span style=\"font-weight: 400;\">Damage to an insured vehicle<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">You are protected if your vehicle is damaged due to vandalism, fire theft or self-ignition. You will also receive coverage for any damage during transit by air, road-rail or inland waterway.<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Third-party_liability\"><\/span><span style=\"font-weight: 400;\">Third-party liability<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">If you happen to get involved in an accident or collision that leads to damage or loss of property to a third party, it is covered under car insurance.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cost-efficient_car_insurance_companies_in_Scarborough_Ontario\"><\/span><span style=\"font-weight: 400;\">Cost-efficient car insurance companies in Scarborough, Ontario<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1Surex\"><\/span><span style=\"font-weight: 400;\">1.Surex<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Surex Auto Insurance is one of Ontario&#8217;s best car insurance brokerages and provides hassle-free ways for residents to buy car insurance. They offer various online insurance options for Canadians and act as a third-party between customers and various providers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here is the list of insurance plans that Surex can help you find:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Car insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">RV insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Motorcycle insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Condo insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tenant insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Boat insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Travel insurance<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">While purchasing the insurance online, you will be assisted by an auto Insurance assistant who will act as a point of contact. This assistant will help you get the top 10 quotes from Surex Partners and help you compare them.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2Aviva_Canada\"><\/span><span style=\"font-weight: 400;\">2.Aviva Canada<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Aviva Canada is a reputable insurance provider in Ontario and is a subsidiary of UK-based car insurance provider Aviva Plc. This insurance company offers various types of policies for its drivers. Whether you search for basic or extensive car insurance coverage, the company has you covered.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Aviva Canada not only offers insurance policies for cars they also provide a wide array of insurance coverages like<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">RV<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Boat<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">motorcycle<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">home<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Business<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Aviva Canada has partnered with <\/span><a href=\"https:\/\/www.lyft.com\/\"><span style=\"font-weight: 400;\">Lyft Canada<\/span><\/a><span style=\"font-weight: 400;\"> and offers ride-sharing insurance for its drivers and passengers.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3Wawanesa_Insurance\"><\/span><span style=\"font-weight: 400;\">3.Wawanesa Insurance<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Wawanesa Insurance is one of the oldest car insurance companies in Canada and has been providing car insurance policies in Ontario since 1930. With over 100 years of experience in this field, it is considered among the best Ontario car insurance providers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Wawanesa Insurance offers various types of coverages, including third-party liability insurance, optional car insurance coverage, comprehensive car insurance and mandatory coverages for the car drivers in Ontario.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Just like the other companies also offers various types of insurance in Ontario:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Farm<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">commercial<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">snowmobile<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ATV<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Condo<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">motorcycle<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"4Belairdirect\"><\/span><span style=\"font-weight: 400;\">4.<\/span><span style=\"font-weight: 400;\">Belairdirect<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Belairdirect is the best choice for Uber drivers. They have also received five stars for their financial strength and 4.2 stars for their prices, discounts, customer service and optional coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The best car insurance policy offered by Belairdirect includes liability coverage for bodily injury and property damage and insured motorist coverage, direct compensation or property damage and accidental benefits. The optional coverage provided by the company also includes accident forgiveness, road assistance, collision insurance coverage and comprehensive insurance coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Different types of insurance offered by Belairdirect are:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Boat<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Condo<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Motorcycle<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"5Economical_insurance\"><\/span><span style=\"font-weight: 400;\">5.<\/span><span style=\"font-weight: 400;\">Economical insurance<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Not everyone in Ontario has a spotless driving record. Accidents and mistakes can happen at the time. So it can be challenging for high-risk drivers to find cost-effective car insurance coverage, especially if they have received several traffic tickets and have been in several accidents.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Thus, if you have a less than perfect driving record, you can get an insurance policy from Economical Insurance. They have been providing special risk coverage since 1968 and are an ideal choice for high-risk drivers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Economical insurance will also help you financially protect these types of vehicles:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">SUVs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">pickup truck<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">motorcycle<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">motorhome<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Snowmobiles<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"6Geico\"><\/span><span style=\"font-weight: 400;\">6.<\/span><span style=\"font-weight: 400;\">Geico<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The coverage rate offered by Geico is one of the lowest on this list. Complete vehicle coverage can be pretty expensive as it includes insurance coverage for your vehicle, collision insurance, and comprehensive insurance. So, if you are driving an older vehicle with a lower value, it is advised that you partner with Geico and buy a cheap car insurance Scarborough.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On the other hand, if you own an expensive vehicle like a luxury car, you must purchase the full coverage insurance offered by the company.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Types of vehicles protected by\u00a0 Geico:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Snow Mobile<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">RV<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">SUVs<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_to_get_the_most_cost-effective_insurance_in_Scarborough\"><\/span><span style=\"font-weight: 400;\">How to get the most cost-effective insurance in Scarborough<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Here is how you can get cheap car insurance in Scarborough Ontario.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Firstly you need to research and find which insurance company offers the cheapest car insurance that is best suited for your vehicle.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Some car insurance companies also offer loyalty discounts for their customers who remain active with them for years.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you have multiple insurance policies like home and auto insurance from the same provider, you might get a discount on the monthly premium.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you own more than one car, you can also put all of them in one policy and save on premiums.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paying insurance premiums annually will save you some money<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you are considered a safe driver, you can also get a discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can save about 5% on your insurance premiums if you add winter tires (also known as <\/span><a href=\"https:\/\/en.wikipedia.org\/wiki\/Snow_tire\"><span style=\"font-weight: 400;\">snow tires<\/span><\/a><span style=\"font-weight: 400;\">) to your vehicle.<\/span><\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"Endnote\"><\/span><span style=\"font-weight: 400;\">Endnote<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">These six car insurance providers offer<\/span> <span style=\"font-weight: 400;\">cheap car insurance Scarborough Ontario, along with significant discounts (if you have good driving habits).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can contact these companies, get insurance quotes, and compare which best suits your requirements. You can also contact insurance brokers who can help you compare different car insurance quotations.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you are a resident of Ontario, Canada, you are most likely familiar with the necessity of car insurance. Having car insurance is mandatory in &hellip; <\/p>\n","protected":false},"author":17,"featured_media":3473,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[173],"tags":[],"class_list":["post-3472","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-automotive"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Most Cost-Efficient Car Insurance in Scarborough, Ontario - Fiction Pad<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fictionpad.com\/blog\/most-cost-efficient-car-insurance-in-scarborough-ontario\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Most Cost-Efficient Car Insurance in Scarborough, Ontario - Fiction Pad\" \/>\n<meta property=\"og:description\" content=\"If you are a resident of Ontario, Canada, you are most likely familiar with the necessity of car insurance. 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