Clean record. Same car. Same address. Yet your insurer raised your rate 15–40% at renewal. You have every right to shop around — and we'll do it for you, free.
Insurers count on most people to auto-renew without questioning it. Here's why rates increase:
Insurers file for broad rate increases approved by FSRA. Your personal record has nothing to do with it.
Claims in your area go up — your rate goes up. Even if you've never made a claim yourself.
Many insurers quietly charge long-term customers more, knowing they're unlikely to shop around.
Your car is worth less every year, yet some insurers don't lower your comprehensive premium accordingly.
This is the most common situation we see. Loyalty doesn't get rewarded in Ontario's auto insurance market — but shopping around does. Most clients who contact us find a better option within 24 hours.
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