Car Insurance

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Car insurance is pretty standard stuff most of the time.

Whether you consider your vehicle as a means of getting to and from work, for business or just for fun, what really matters is how you are treated by your insurance provider.

Our people are the difference.

From the first time you call for a quote through to the claims call you never hope to make, your needs and safety are our top priority. That is where the real people at TW make all the difference. We buy insurance too, so to ensure you have the best programs available to you, we’ve aligned ourselves with only the best-in-class insurance companies. We will shop around to give you the best match for coverage options and discounts, and since our highly trained brokers don’t work on commission, we will never try to sell you something that you don’t need. We can also source insurance protection for your motorcycle, motor home, recreational vehicle and just about anything else that moves. 

Get a quote online or call us at 1-800-272-5688.

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Vehicle Insurance Discounts

Discounts differ by insurance company. We would be happy to provide a more complete explanation of these discounts over the phone so we can place you with the best package. Below is just a quick list for you to review and ask us about:

  • Multi-Vehicle Discount
  • Multi-Line Policy Discount (insure both your vehicle and home with us)
  • Age Discount
  • Short Commute Discount
  • Renewal Loyalty Discount
  • New Business Loyalty Discount
  • Anti-Theft Discount
  • Satellite Monitoring System Discount
  • Student Discount

Keep us informed

Given that vehicle insurance premiums are influenced by a number of factors, we recommend you call us to review your policy if your situation changes. You may qualify for a lower rate if, for example, there's a change in the distance you commute to work or if you are on a maternity or parental leave.

Vehicle Insurance Options

Drivers are rewarded with savings for their good driving record and experience. For many companies, drivers are classified by awarding “stars” based on experience. For example, after six years of claims-free driving experience, you likely have a six-star driving record.  

If you are a top-rated driver, you may be eligible to protect your star-rated driving record in the event of an at-fault loss for an additional premium. With the Driving Record Protector, even if you are deemed to be at-fault in a future accident, your driving record and claims-free rating will remain unchanged. As far as your insurance is concerned, it's like the accident never happened — your premiums will not increase!*

Certain restrictions apply.

In the event of an accident, you may need a rental car while your vehicle is being repaired. With TW Insurance Brokers, you have the option of purchasing basic rental car coverage or you may decide to buy enhanced coverage, allowing you greater flexibility to rent the style of car you enjoy.

We live in a very litigious world. If you are concerned that you may not have enough liability coverage, consider protecting yourself and your family by purchasing personal umbrella coverage and receive the following:

  • Increased liability limits (to a maximum of $5 million)
  • Additional coverage for automobiles driven outside of Canada or the U.S.
  • Coverage for your involvement as a director or officer of a non-profit group
  • Extra protection, in case of a lawsuit

Let us help you decide if enhanced liability coverage is right for you. 

We recognize that certain items or situations require more specialized coverage. Our team can help you to find suitable protection for just about anything that moves, such as:  

  • Snowmobiles
  • All-terrain vehicles
  • Motorcycles
  • Antique vehicles
  • RVs and vacation trailers
  • Utility trailers

Request a vehicle quote online or call us at 1-800-272-5688.



Auto rates vary greatly from company to company — largely because different companies like to insure different kinds of risks. Because the rates depend on each person's own situation, no single company can claim to have the best rate in all situations.

As a broker, we are able to shop around with numerous insurance companies to find you the best price and coverage. To find the best match for you, we consider the product you are purchasing, the price you are charged, the discounts that apply, and the service and other benefits you can expect to receive from your insurance provider.

Many factors are taken into account when establishing the yearly premium you pay for automobile insurance such as:

Insurance companies can fill books with the data they have collected on drivers — and their driving habits. Experts called actuaries examine this data and look for trends that can be used to determine rates, so that people who are less likely to incur an insurance claim receive credit, and those who are statistically more likely to possibly incur a loss pay higher rates. While some motorists may not always agree with these rates, the accuracy of the actuaries is quite uncanny. Some of these factors include:

  • Age of the drivers
  • Marital status
  • Prior claims
  • Gender
  • Type of driver education
  • Experience with speeding tickets or other moving violations
  • Place of residence
  • Who else in the household is an occasional driver

The type of car you are insuring has a direct impact on the premium, as more expensive vehicles are more expensive to repair or replace. Similarly, some vehicles might be more prone to theft than others. Also, the more you drive, the more likely that something might happen to your vehicle. Specific factors include:

  • The make, model and year of the vehicle
  • If you drive the car to work, the distance you travel each day
  • If you drive the car for business
  • The distance you drive in a year

There are many optional coverages that might apply to you — and you can decide whether or not these are relevant for your needs.

We strongly encourage you to speak to us to review what’s available so that you can decide what you require to protect your car, yourself and your family. Some of the more common coverage options include:

  • Collision
  • Comprehensive
  • Loss of Use - Transportation Replacement
  • Family Protection
  • Removing Depreciation Deduction
  • Liability for Damage to Non-owned Automobile

This is the portion of a claim that you are responsible for. You can select different deductibles for different sections of your policy. Typically, the higher the deductible, the lower your premium. Auto insurance deductibles usually range from $250 to $5,000.

We know this is a lot of information to consider. Let us help explain the options so you can choose the coverage that is best for you.
Request a quote or call us at 1-800-272-5688.