Make sure you’re getting the best deal on your Auto insurance. Get a quote online – instantly – from our friends at Sonnet.

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Why get insured with Sonnet?

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Buying auto insurance has never been easier. Answer a few simple questions, customize your coverage and buy securely online.

Skip Dealing with a Broker

Sonnet's award-winning customer service heroes are here to help. Email, chat or call their fully-licensed insurance agents and experience a 91% customer satisfaction score for yourself.

Customize your coverage and cost to meet your very needs

Sonnet combines your unique information, with a whole lot of math and analytics to build their best price for you - savings automatically included.

Sonnet is straight-forward and clear

Get the right coverage for your car without the complicated jargon. All Sonnet insurance policies are written in plain language so you know exactly how you're covered.

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There’s more to consider when purchasing a car than just your monthly payment. Your insurance payment can also play a big part in your overall budget. With Sonnet – the price you're quoted is final. There are no hidden fees or follow up calls.

How is auto insurance calculated?

Canadian car insurance companies determine insurance premiums based on a few things. The first is what’s known as the CLEAR system. CLEAR stands for Canadian Loss Experience Automobile Rating. It’s an accurate and credible system that assesses actual claim loss experiences for each make and model. Other factors include: the cost of the car, where you live, the probability of theft, the engine size and any past driving infractions or accidents on your record.
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Customize your coverage with 3 simple packages

Sonnet uses available data to simplify quoting to show you coverage options that fit you and your vehicle. Choose a pre-set package and customize to your heart’s content.

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Why is auto insurance so expensive?

Insurance fraud is one of the biggest factors leading to expensive car insurance in Canada. Insurance fraud costs over $1.6 billion each year, increasing each Canadians insurance premiums to cover this expense. Another factor is the extreme weather we get in Canada. According to the Insurance Bureau of Canada, in 2018 severe weather caused $1.9 billion in damage. People are commonly distracted driving, causing more accidents and more claims. As vehicles continue to become more expensive to buy, they’re also becoming more expensive to insure.

 What affects my car insurance Rate?

The type of vehicle you drive
Your age
Your gender
Your marital status
Your driving history
Your address
Frequency of vehicle use
Type of coverage you choose
Your deductible

What is the average car insurance payment a year in Canada?

The average Canadian spends $1,320 annually on car insurance. Here's an annual payment breakdown by province.

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