top of page

What Questions Do Car Insurance Questions Ask?

Many wonder what types of questions should they prepare for when getting an  auto insurance quote in Ontario by phone, in person or an online auto insurance quote. Here is an exhaustive list that should get you prepared.

  • Name

  • Address including postal code

  • Phone number

  • Email address

  • How you heard about the insurance company

  • Your date of birth

  • Your driver’s license number

  • When you received your Ontario license and G1, G2 and G dates. (Day, month and year)

  • Whether you have driver’s training

  • Prior insurance details such as

    • How long you have been insured

    • Policy number

    • Name of the prior insurance company

    • Renewal date also known as the “x date”

    • If you have had any prior cancellations for nonpayment or not meeting risk requirements (ie: too many accidents or convictions)

  • Details for prior accidents in the last 6 years at fault, partially at fault or not at fault

    • Dates of accidents

    • How accident took place

    • Total claim payout.

    • Insurance company at the time of the loss

    • Confirmation whether the claim is now closed

  • Details for comprehensive claims such as windshield, theft, hitting a deer or hail claims

  • Details concerning prior convictions in the last 3 years- major, minor or criminal such as speeding, driving without insurance, dangerous driving, careless charges

    • Note that parking tickets are not rated for by an insurance company

  • Vehicle information

    • Vehicle year, make, model and trim such as XLT, LE, SE 4WD, AWD, 2WD, ext cab etc

    • Vehicle Vin

    • Purchase date and price

    • If the vehicle has winter tires

    • If the vehicle has been modified in any way since it was originally purchased. 

    • If the vehicle is leased or financed.

  • Use of vehicle

    • Business use, personal use, farm use etc

    • Kilometers one way to work

    • Annual kilometers

  • Number of drivers in the household and their licensing details/if they are insured elsewhere.

  • Chosen Policy limits and coverages

    • Chosen Liability limits

    • Chosen accident benefits coverage above the standard coverage limits

    • Policy deductibles for collision and comprehensive coverages

    • Vehicle replacement coverage after a claim (also known as the OPCF20)

    • Rental car coverage (also known as the OPCF27)

    • Accident forgiveness/record protection coverage

    • Depreciation protection coverage

  • Whether you prefer to pay yearly or monthly


If you have any other questions about getting an auto insurance policy set up or how you can qualify for cheaper auto insurance rates, please take a few minutes to give some details about yourself. See the link below. After you do, Kyle Wijnands will be sure to reach out to you and discuss how he can get you cheap auto insurance with the very best customer service! He can also be reached directly at 519-393-3246.

John Brookshaw

"We have been with Tradition Mutual Insurance for 60 plus years Kyle is one of the BEST agents we have ever had Full marks on everything!"

Kim Good

I have my car insurance with Tradition Mutual Insurance and am very pleased with the rates as well as the service I have experienced. Kyle will be sure to provide you with excellent customer service answering any question you may have thoroughly and honestly. He has excellent communication skills and does well to ensure that your insurance needs are met and exceeded.

Dayna Vyse

Kyle found me a much better fit for my auto insurance for a cheaper price and was very easy and pleasant to work with! Kyle was very prompt and responsive and never pushy or sales-y. Super great to work with!"

More than the cheapest car insurance but the best customer service and claim experiences you will find in Ontario, Canada 


Find a cheap car insurance quote for these Ontario cities and towns: 

Frequently asked auto insurance questions: 

Ways to get cheaper auto insurance in Ontario: 

New Driver Discounts

If you have auto and home/tenant insurance, you can save on both policies

Bundle Policies

If you have auto and home/tenant insurance, you can save on both policies

Multiple Vehicles

If you have more than one vehicle in the household insured, car insurance rates are cheaper

Pay Annually 

Paying annually instead of monthly will make your auto insurance premiums cheaper. 

Take Driver Training

For new drivers, having driver's training helps to lower auto rates and get cheaper insurance. 

Pay on Time

If you pay on time, your insurance record won't have any cancellations for non-payment and will get you cheaper rates. 

Relationship Status

Typically, the statistics for those who are married are better and can get you cheaper auto rates. 

Have a Clean Record

At fault collisions, convictions, dangerous driving charges etc make premiums higher. A clean record means cheaper auto rates.  

Low KM Use

The lower the usage of the vehicle, the cheaper the insurance. 

Shop & Compare

Rates range from company to company. Look around to see what is the best and cheapest. 

Raise Deductibles

The deductible is what you pay before the insurance company does. Higher deductibles make car insruance rates cheaper. 

Winter Tires

Discounts are available for having winter tires on your vehicle during the snowy season. 

Mandatory Car Insurance Coverages Required in Ontario

Liability Coverage 

For bodily injury or property damage of someone else, costs are covered for you.

Direct Compensation

If you are are not at fault, damages to your car are covered.

Uninsured Auto

If an uninsured driver is negligent, medical costs and physical damages are covered.

Accident Benefits

Regardless of  fault, medical and other expenses you are eligible to receive are paid out.  have entitled to receive are covered.

Optional and Enhanced Auto Insurance Coverages


Protects your vehicle from damage caused by perils like fire, hail or theft (besides collision or upset.)

Collision or Upset

Protects your vehicle from losses such as collision with another vehicle or object. 

All Perils

Combines collision or upset and comprehensive coverage and also includes increased theft coverage. 

Accident Forgiveness

With this protection, provided that you are not charged with a careless, your rates won't increase if you have a partial or 100% at fault accident. 

Rental Car Coverage

Liability for damage to non-owned Automobile(s)  when insured persons rent other automobiles. Contact for further details.

Vehicle Replacement

Coverage for reasonable expenses incurred in
renting a similar substitute automobile or obtaining alternate transportation while
the insured vehicle is out of use as a result of an insured loss.

Depreciation Protection

If eligible, vehicle can qualify for 24 months of replacement cost coverage instead of the depreciated value at the time of loss. 

Family Protection



If the other motorist has
insufficient insurance, additional protection is available for you subject to liability limits and policy agreements. 

bottom of page