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Can You Renew Car Insurance Online?​​



Renew Car Insurance Online

There’s no denying that Canadian car insurance can be a complex topic to wrap your head around, especially if you’ve recently purchased your first car insurance policy.

There are numerous tasks that have to be taken care of; one of these things is renewing your policy before it expires.

However, many Canadians lead busy lives, making it difficult to get everything done. This leads to the question — can you renew car insurance online in Canada?

Continue reading to learn everything that you need to know about renewing your car insurance policy in Canada.

Can policyholders renew car insurance online in Canada?

If you’ve been wondering how to renew expired car insurance online in Canada, there’s a very simple answer — you don’t need to!

In most cases, your personal car insurance policy will renew itself automatically if you have proven to be a safe and responsible driver. When your policy nears its expiry date, you don’t need to renew auto insurance online — your carrier will take care of most of the leg work for you!

How to renew your car insurance policy in four simple steps

If you’re not sure how to renew a car insurance policy, you can find out how below:

Wait for your notice letter — Generally, car insurance providers send policyholders a letter approximately 30 to 60 days before their policy is about to expire.

Review your car insurance policy — Be sure to go over your updated policy and look for any significant changes. If you happen to have any pressing questions or concerns, don’t hesitate to reach out to your insurance provider or advisor. In almost all cases, there won’t be any changes.  The only time you will see a change in coverage is if you have a disappearing deductible (it will decrease), or if you’ve had a few claims in the past year, coverage may be removed.

Renew your policy — If you don’t want or need to make any changes to your car insurance policy, your provider will renew the contract.

Payment — If possible, we always suggest paying for car insurance annually (as opposed to monthly). Paying your premiums annually gives you access to discounts and helps you avoid missing or forgetting to make monthly payments in the future. If you do monthly payments, be sure to  double check the renewed policy’s monthly amounts.  The insurance company may have done a rate increase or decrease, removed financing fees, etc, and this may cause the monthly amount to change by a few dollars.

What information should you consider updating when you renew your car insurance policy?

Be sure to let your car insurance provider or advisor know if any of the following details have changed since you last updated your policy:

  • Let your car insurance provider know about any tickets you’ve received (accidents, convictions, etc.)
  • Be sure to update your personal mailing address and contact information (phone number, email, etc.)
  • Your car insurance provider will need to know about any new drivers that have access to your vehicle
  • You need to update your policy if you’ve modified your vehicle
  • Let your car insurance provider know if your overall vehicle usage has changed (Are you working from home now? Has your commute to work distance changed?  Are you driving more per year than what is stated on your policy documents?)

Ask about potential car insurance discounts

Is your car insurance policy renewal date quickly approaching? If so, you may want to do some research on the various car insurance discounts that you may be eligible for!

It’s nearly impossible to find a car insurance company that doesn’t offer some sort of discount for policyholders.

For instance, since 2016, Ontario car insurance providers have been required to offer a discount to divers that use winter tires during the set dates. This was done to encourage drivers to stay safe and to install winter tires during the snowy months. If you have winter tires that are less than 3 years old, installed November 1 thru March 31st, let your insurance advisor know to take advantage of this discount!

However, this is just one common example of the car insurance discounts you can potentially take advantage of; drivers should also ask their car insurance carrier or advisor about the following types of discounts:

  • Multi-vehicle discount
  • Experienced driver discount
  • Claims-free discount
  • Bundling discount

Whatsmore, many car insurance providers in Canada offer loyalty discounts to policyholders that choose to stay with the same company for several years! So, if you’re happy with your current insurance provider, you may want to ask them about the loyalty discounts that they offer.

Can you swap car insurance carriers before your renewal date?

Yes, policyholders have the freedom to switch car insurance providers any time they wish; that being said, it isn’t always a cost-effective plan.

When you switch providers before your renewal date, you need to follow through with the policy cancellation agreement and potentially pay hefty administrative fees.

But, if the potential savings outweigh the related expenses, then we suggest saying “goodbye” to your old carrier and “hello” to your new car insurance provider!

Can you compare car insurance quotes online?

Yes! Reputable insurance brokerages, like our team at Surex, can help you find and compare various insurance quotes online! Comparing car insurance quotes online with Surex is quick and easy — our experienced insurance advisors (our preferred title for brokers) can provide you with some of the most competitive and affordable quotes in the industry!

If you’re not keen about shopping for insurance online, that’s ok! Many insurance brokerages (including Surex) offer their services over the phone as well! This means that you can use whichever method you’re most comfortable with.

Save as much as 25% on car insurance in Canada when you team up with a Surex insurance advisor

We do this by working side-by-side with over ten of Canada’s most reputable insurance providers, like our friends at Aviva. By working with some of the best car insurance providers in Canada, our team of advisors is able to help you find and compare quotes until you’ve found the perfect product for you.

Reach out to one of our helpful advisors today to learn more about renewing your car insurance policy! If you have more than one policy with multiple providers, feel free to ask about the various benefits of bundling multiple policies with the same provider. Most car insurance providers offer extremely generous savings, sometimes as high as 25%!

Want to learn more about car insurance in Canada?

If you’d like to learn more about the various facets of car insurance in Canada, you can check out the blog at your earliest convenience.

Our blog is packed with invaluable articles that are meant to help policyholders familiarize themselves with car, home, condo, etc., insurance in Canada.

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What is Health Insurance?



Health insurance is insurance coverage that typically pays for medical bills, doctors visits, some prescription drugs and sometimes dental expenses incurred by the insured. If you are planning to study in Canada, you should think about getting international student health insurance coverage for yourself. It is essential that you have a health insurance plan for the duration of your program.

While Canada is well known throughout the world for its free healthcare system, it does not have health insurance coverage for all international students attending school in Canada.

International students who plan to study in Canada should get acquainted with the kind of health care that is obtainable in his proposed province of study since health care plan in the country varies from province to province. While few provinces cover international students under provincial health insurance plans, the majority of other provinces require that students get registered for private health insurance plans.

However, some institutions still demand that students registers with schools’ health insurance plan, others make it optional and students may even decide to decline to register as long as they have a health insurance plan.

Normally, the insurance plan will offer flexibility and freedom, covering all medical needs, emergency health needs, surgery, and other expensive in-patients treatment. Medical evacuation, rehabilitation treatment, and hospital accommodation are also covered in many health insurance packages.

Why Do I Need Health Insurance as International Student?

It’s of great necessity that international students get a health insurance plan. You will agree that studying abroad can be fun and rewarding especially when you are out of the confines of your home, away from your parent; you become your own boss, meet with new friends, learn new languages and culture, explore your new environment and do whatever fascinates your interest.

But traveling and even living in a foreign country also poses unprecedented challenges- from a simple change of weather to an unexpected stomach upset due to a change of diet or even to a more grave danger like having a fatal accident or unexpected injury can get you to the hospital. You need health insurance coverage to take care of all these medical emergencies.If you are a landed permanent immigrant in Canada, consider checking out our article on Newcomers Insurance plan instead.

Benefits of International Student Health Insurance

There are several benefits for securing international student health insurance. Securing good health care coverage saves you from paying those high hospital bills for a long time. Also, the amount you pay is nothing compared to what you would have to pay if you did not have health insurance coverage.

For example, according to Canadian Magnetic Imagining, an MRI scan alone could cost you anywhere around $900 CAD and $2,400 CAD. If you have good health coverage, you will be paying far lesser. International student health insurance often covers pre-existing injuries, sports, injuries, mental health, maternity expenses, hospitalization, and prescriptions.

Students get to enjoy lower premiums compared to older folks since they are generally young and healthy. You get to enjoy more affordable plans. Plus the payment of these premiums can be broken down and paid throughout the duration of your stay.

How Much Is Student Health Insurance in Canada?

Most provinces have free health insurance coverage for International students studying in Canada. Students or visitors who are not covered by free healthcare plans must have health insurance as been made compulsory by Canadian post-secondary schools. Health insurance in Canada for international students varies from province to province or location to location, and it also depends upon the insurance firm.

In line with Canada Insurance Plan, the average yearly premium for accessing health insurance ranges from $600 CAD to $900 CAD. Some of the insurance service providers/companies that foreign students and visitors could approach for health insurance are:

  • Manulife Financial;
  • TuGo;
  • Sun Life;
  • Ingle International;
  • Cowan Insurance Group;
  • Greenshield.
  • Allianz Global;

The insurance packages from these companies include some common benefits (however, the limit of each benefit varies from plan to plan) such as:

  • Physician charges;
  • Private nurse;
  • Trauma counseling;
  • Medical appliances;
  • Treatment of dental accident;
  • Prescription drugs;
  • Paramedical services;
  • Diagnostic services;
  • Psychiatric treatment.
  • Hospital expenses and accommodation;

How to Apply for Student Health Insurance in Canada?

The rules and regulations for health insurance in Canada vary from one province to province. Some Canadian provinces provide health insurance coverage to foreign students as well.

If you have obtained admission to a university or college domiciled in any of these provinces, you need to apply for health insurance by checking the said province’s website, filling and completing an application form, and purchasing the premium amount.

On the other hand, if a province does not provide health insurance coverage for students, you may have to take an overseas health insurance plan from a private firm, before leaving for Canada.

In this case, you will need to reach out to an insurance firm, choose the plan or package that suits your requirements, fill a detailed application form, go through a medical test, and pay the premium amount.

Top 5 Schools that offer student health insurance in Canada

If you are interested in studying in Canada, there are some post-secondary schools that offer a variety of healthcare plans. Below are some schools in Canada that offer special health coverages to their students.

#1. McGill International Student Health Insurance

Mcgill university located in Montreal, Quebec, Canada, is a public university that is well known for its outstanding contribution in the area of scientific research.

McGill is one of the schools on the list of DLIs with an approved COVID-19 readiness plan. The university requires all foreign students and their accompanying dependents to avail themselves in the compulsory McGill International Health Insurance (IHI) coverage which is organized and administered by International Student Services.

In Mcgill, All foreign Students are automatically charged the annual IHI fee ($1128) upon registration at the university in the fall and winter semester.

#2. UBC student health insurance

The University of British strongly recommends that all international students have basic and extended health insurance for the duration of their programs. The BC Medical Services Plan (MSP) is the provincial government program that provides basic health care.

Everyone living in British Columbia province for more than six months is required to enroll in this program, except students with existing health coverage from another province or territory in Canada.

If you come to the province without coverage under MSP or another provincial health plan and will be there for six months or longer, you should enroll for MSP immediately upon your arrival. As there is a three-month processing period before MSP coverage will start, you must make sure you have basic health insurance for those first three months in British Columbia province.

#3. Saskatchewan university student health insurance

The University of Saskatchewan Students’ Union partnered with the health and dental insurance provider Studentcare to offer undergraduate and graduate international students health and dental insurance coverage. Some undergraduate students are automatically enrolled in the plan, while others need to apply.

If you are automatically covered, the cost of the plan is part of your tuition fees. See if you are automatically covered by checking your tuition statements or by visiting

#4. BCIT Student health insurance

Basic medical insurance coverage is compulsory for all international students throughout the duration of their program at BCIT. Students are required to purchase private medical coverage provided by The school does not accept insurance from companies outside of Canada.

#5. Seneca college international student health insurance

As an international student enrolled in a full-time program at Seneca college, you have mandatory health insurance included in your tuition fees. You will be automatically included in the health insurance plan depending on your program start date.

You are expected to pay any outstanding balance at the beginning of your semester. Your health insurance includes services such as hospital and doctor services in Ontario, eye examinations, diagnostic laboratory and x-ray services, emergency services, and dental care in the hospital. The coverage also provides for doctor’s services and hospital ward accommodation.

The coverage includes prescribed drugs, paramedical services such as psychologists, physiotherapists, and more. Limited emergency out-of-country coverage and out-of-province are also included in this plan.

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6 Best cheap car insurance in Ontario for 2022



Car insurance is legally required in Ontario, which is more than enough of a reason for drivers to invest in coverage. However, this is far from the only reason drivers should purchase a policy. Finding the best car insurance in Ontario can save you money on premiums and claims. The average cost of car insurance in Ontario is $763 per year for minimum coverage and $2,098 for full car insurance.Advertising Disclosure

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Ontario is part of San Bernardino County, one of the fastest-growing areas of the Southern California basin. Since 2011, vehicle registrations in the country have grown 16%, outpacing California’s average increase of 11%. Unfortunately, the number of traffic collision victims have also increased. Since 2019, vehicle-related fatalities are up 32%. Bike-related injuries and fatalities are up 46%, all potentially due to distracted driving.

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Finding the cheapest car insurance in Ontario may help you afford enough coverage to protect you against all the potential dangers on the road.

Best car insurance companies in Ontario

The following four carriers are a combination of cheapest car insurance in Ontario and good customer ratings. We used Bankrate’s quote data collected from over 20 Ontario-area insurance providers to find the cheapest carriers. To narrow the list down further, we chose insurance companies with good customer reviews. J.D. Power’s customer satisfaction study was instrumental because it is based on reviews from policyholders regarding the insurer’s claims process, communication and available coverages.

Insurance companyJ.D. Power customer satisfaction score
Average annual premium for minimum coverageAverage annual premium for full coverage
AAA830 / 1,000$576$1,875
GrangeNot rated$584$2,151
Geico828 / 1,000$627$1,797
Wawanesa853 / 1,000$668$1,591


AAA is well-known for providing roadside service and towing to 61 million members nationwide. You get more than just towing for the membership fee — AAA car insurance is also available. The carrier’s policies deliver the cheapest car insurance Ontario rates. Customer service is not sacrificed for lower rates. When it comes to customer satisfaction, AAA earned third place in J.D. Power’s auto insurance study.


Grange Insurance does not rank in J.D. Power’s California study due to its smaller market share. When referencing the National Association of Insurance Commissioner’s insurance complaint index, there were only eight complaints over one year. It is slightly above average, but Grange’s second-lowest minimum car insurance rates in Anaheim tend to offset the complaints. Focusing on what Grange does well, you will find minimum liability and full car insurance as well as gap coverage and insurance for high-end sound equipment and custom accessories.


Geico’s full coverage rates are among the lowest on average. Full coverage is typically more expensive because it adds insurance for your vehicle as well, such as comprehensive and collision insurance. If you drive an older vehicle or one with a low value, you may be fine with low-cost minimum car insurance. But if you have a higher-model vehicle or have assets you would like to financially protect, full coverage car insurance from Geico may be your best bet.


Wawanesa Insurance is #1 in customer satisfaction in the J.D. Power study for California. The carrier is Canada-based and does not have any offices in California, but the website is robust enough to handle most of your car insurance needs online. Some of the optional coverages available include replacement parts using the vehicle manufacturer’s originals and rental expense insurance that can increase your vehicle rental allowance if you would like to rent a larger or more expensive vehicle while your car is in the shop for a covered cause. Ontario drivers should find the coverage they are in search of with Wawanesa.

Cheapest car insurance in Ontario

To get a better idea of how much car insurance costs in Ontario, take not of the following figures:

  • The average annual cost of car insurance in California is $733 for minimum car insurance and $2,065 for full coverage.
  • The national average is $1,674 per year.

Keep the following rates in mind for the cheapest, largest carriers in Ontario based on market share. When shopping around for car insurance, they can provide you with an idea of whether you are paying more for coverage than average. Unless you have a history of accidents and tickets or you are a teen driver, your rates should be relatively close to Bankrate’s findings.

Insurance companyAverage annual premium for minimum coverageAverage annual premium for full coverage

AAA has a couple of nearby chapter offices in Upland and Chino if you would like to visit a local agent. Geico and Mercury typically provide the lowest insurance rates. Travelers and Progressive both have a variety of optional coverages such as rideshare insurance, gap coverage and new car replacement.

Ontario insurance requirements

The State of California requires all vehicle owners, including those residing in Ontario, to have a minimum amount of liability coverage. However, the following requirements should be a starting point. If you total a newer vehicle, $5,000 in property damage coverage does not cover the value of the vehicle, leaving you liable for any damages of $5,000. In addition, your lender or leasing company may require you to carry full car insurance, which could include comprehensive, collision and uninsured/underinsured motorist insurance. California’s insurance requirements are:

  • $15,000 in death and/or bodily injury per person
  • $30,000 in death and/or bodily injury per accident
  • $5,000 for property damage per accident

Car insurance discounts in Ontario

Even if you found a car insurance company in Ontario offering lower rates than you currently pay, you might save further by checking for carrier-specific car insurance discounts. The following could reduce your car insurance bill:

  • Autopay: Automatic payments directly from your account simplifies your life and may earn you a small discount.
  • Bundling: Buying home, renters and/or car insurance from the same company could lower your premiums on all.
  • Young driver: Teens and young adults typically pay the highest rates. Young driver discounts could help parents or independent young adults save money.
  • Switching: If you find lower rates with a different insurance company and decide to change carriers, you may also receive an additional discount for switching.

Bundling and young driver discounts are two of the most effective discounts when you want to significantly reduce your rates.

Frequently asked questions

What is the best car insurance company?

The best car insurance companies in Ontario are different for everyone. Consider the factors that are most important to you and get several quotes to find the best option for you.

How much does car insurance in Ontario cost?

The average cost of car insurance in Ontario is $763 annually for minimum car insurance and $2,098 for full coverage. Rates are slightly higher than Bankrate’s findings of California premiums, averaging $733 for minimum car insurance and $2,065 for full coverage.

How much car insurance do I need in Ontario?

All vehicle owners in Ontario must have liability coverage of at least $15,000 in death and/or bodily injury per person, $30,000 in death and/or bodily injury per accident and $5,000 for property damage per accident.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

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