Car insurance in Ontario is required whether you own or lease your car to protect you and other drivers on the road. Having vehicle insurance may be mandatory, but acquiring it doesn't have to be complicated.
At Begin Insurance, we will help you find the cheapest auto insurance with the coverage you need. Plus, we'd gladly explain your policy to you so you can make an informed decision.
At Begin Insurance, we work with the top 18 insurance companies in Ontario to provide you with the most competitive car insurance rates across Toronto, Markham, Richmond Hill, Hamilton, Burlington, Scarborough, North York, and all of Ontario
As one of the leading car insurance brokers in Ontario, we pride ourselves on helping customers find affordable and reliable coverage, including cheap vehicle insurance options tailored to your needs. Whether you're looking for standard auto insurance or more specialized coverage, we ensure you get the best possible rates. Some people need more than just basic auto insurance.
Yes to any? Let’s get you the right plan! Call or text us now.
We’ll be happy to review your existing coverage, tailor it to your needs, and help you save on your premiums.
When it comes to selecting an auto insurance company in Ontario, Begin Insurance stands out for its commitment to providing affordable, reliable, and tailored coverage.
As one of the top auto insurance brokers in Ontario, we partner with over 18 of the leading insurance providers to offer our clients the most competitive rates available. Unlike many other companies, we understand that each customer’s needs are unique. Whether you're looking for basic coverage, high-risk insurance, or specialized policies for luxury, vintage, or commercial vehicles, we have you covered.
Our team of experts works closely with you to find the perfect plan that suits your lifestyle and budget. With a strong reputation as a trusted car insurance company in Ontario, we pride ourselves on offering personalized service, transparency, and the best possible value. Choose Begin Insurance for unmatched service and a customized approach to securing your auto insurance needs.
Start by filling out a quick form online or speak with one of our expert brokers to get a personalized quote.
We’ll present you with multiple plans from top insurance providers, ensuring you find the best coverage and price.
Choose your plan, and we’ll finalize the details to secure your coverage, all in just a few simple clicks.
One of the most essential types of auto insurance coverage in Ontario is liability insurance. It’s mandatory for all drivers and protects you financially if you’re at fault in an accident that causes injury or property damage to others. Whether you drive a daily-use vehicle or need classic car insurance for a collectible, liability coverage ensures you’re legally compliant. Without it, you could face fines, license suspension, or even legal action. It’s the first step in responsible vehicle ownership and a non-negotiable under Ontario law.
Another mandatory component of auto insurance in Ontario is accident benefits coverage. This type of auto insurance coverage provides medical, rehabilitation, and income replacement benefits if you or your passengers are injured in an accident, regardless of who’s at fault. Even if you own a rare or vintage model and opt for classic car insurance, this protection ensures you and your passengers are cared for after a collision. It offers crucial financial support during recovery and is a vital part of staying protected on the road.
Ontario law also requires uninsured motorist coverage, an important type of auto insurance coverage that protects you if you're injured or your vehicle is damaged by a driver without insurance or in a hit-and-run incident. Whether you have a standard vehicle or classic car insurance, this mandatory protection ensures you’re not left covering the costs caused by someone else’s negligence. It offers peace of mind when facing the unexpected and strengthens your overall auto insurance policy with added security.
Collision coverage is one of the most valuable types of auto insurance coverage you can add to your policy. While not mandatory in Ontario, it helps pay for repairs or the replacement of your vehicle if it’s damaged in an accident, even if you're at fault. Whether it’s a minor fender bender or a major crash, collision coverage ensures you’re not left handling large repair bills alone. This optional protection is especially useful for newer vehicles or those you rely on daily.
Not sure what coverages you need? Let our experts guide you.
Comprehensive coverage is another important type of optional auto insurance coverage that goes beyond collisions. It protects your car against theft, fire, vandalism, falling objects, natural disasters, and other unexpected non-collision events. This coverage is ideal for anyone seeking peace of mind against random incidents that can still lead to costly damage. Whether you park on city streets or have concerns about weather-related risks, comprehensive insurance adds an essential safety net to your auto policy.
Classic car insurance is a specialized type of auto insurance coverage designed for vintage and collector vehicles. Unlike standard policies, it factors in your car’s true collectible value and limited use. Optional in nature, this coverage includes agreed-value payouts, coverage for restoration, and protection during shows or transit. It’s perfect for classic car enthusiasts who want tailored protection that acknowledges their vehicle’s rarity, historical significance, and investment value. Choosing classic car insurance ensures your prized possession is safeguarded with care.
Begin Insurance (and my broker Amanda) were a huge help; being a new arrival to Canada can make it daunting to find the right car insurance, but you're in very competent hands with this broker. Thanks for everything!
"Finally after years of being with another provider, Begin Insurance Inc offered a better price for the same coverage on auto insurance. So happy to have stumbled upon this company!!"
"My niece has been a client for the last few years and wanted me to switch. My son, a new driver wanted insurance in 2021. My insurance was charging almost 400 per month, begin charged 190... Thanks Neal"
"Got my new home and auto insurance quote from Thasan Kandasamy. New to Canada, he really helped me understand how the insurance system works here and went over each line item in the coverage in detail."
"Had wonderful experience of working with Neal. He is so easy to work with and helped me with every single step for switching my car and home insurance. Highly recommend him for his service."
"Ordered auto insurance with Kieran Edmunds, had a very positive experience. He was professional and quick and helped us out with all the issues we had. The final rate was very competitive, would recommend."
"Thank you very much to Hilary Lin ext. 307 and her exceptional customer service. Very pleasant and patient person who will explain and inform you. If you are looking to get insurance or just a quote, I cannot recommend her enough!"
"I am really satisfied with their service and so help full to get my new auto insurance with low cost to compare my old insurance, Hillary is my broker’s name she is amazing ,i am happy about her service."
"Stephanie Li provided me with very competitive home and auto insurance quotes. She was really patient and thorough in answering my questions regarding the fine print in the two policies prior to my signing up."
"The service I received from Kieran Edmunds was excellent. He was responsive to my emails and phone calls, and set me up with a policy within 3 days."
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