Car Insurance
Looking for cheaper car insurance with great coverage?
First of all you need a choice! Bethel Insurance Brokers Inc. is a division of the InsureLine Brokers.
Our Partners
No need to look much further! We partner with the major insurance carriers with whom the majority of drivers have their car insurance. This partnership allows us to work with the leading insurers in Canada.
Our Values
One of the benefits of dealing with an insurance broker is developing a relationship with someone who understands your insurance needs. Don't do it alone. Insurance can be complicated, especially if you have an accident. The number one job at Bethel Insurance Brokers is to make sure that you are protected in the event of a claim, whether it is for your auto, home, life, or business insurance.
Our Process
We are confident we can shop the market for you and get the best price protection and service. Get a quote now from one of these top carriers .
Ontario car insurance coverage

Ontario Car Insurance Policies Cover
✔ Third party liability
✔ Medical and Rehabilitation
✔ Cost to repair or replace your vehicle
Auto Insurance should be unique to each driver and not just based on the cheapest price.
Get a car insurance policy that is a tailored to your driving needs.
Coverages
✔ There are mandatory coverages
✔ Optional coverages
✔ And enhanced coverages, so that your policy will respond to your needs in the event of a claim
Third Party Liability
The first party is you. The second party is the insurance company, and the third party is the outside person.
$200,000 in third party liability is the minimum coverage you must have in order to drive a vehicle in Ontario. You would be hard-pressed to find this as most brokers would start with a minimum of 1 million of third party liability coverage. This is to protect you as well as the brokerage business as most lawsuits usually start at 1 million.
Accident Benefits
This is where the majority of your car insurance premium goes. Drivers are entitled to medical benefits and expenses should you get hurt in a motor vehicle accident or, even worse, like losing your life.
Direct Compensation Property Damage
Someone rear-ends you at a stoplight, and the accident is not your fault. The funds to pay for your car will come from the section.
Uninsured motorist
This is painful as there are some drivers who will drive without insurance. Where do the funds come from when someone out there has an accident, and they do not have insurance?
✔ A small part of your insurance premium goes into this pool. It is not a pretty sight for those who get caught driving without insurance. They will end up with a lawsuit against them for the money paid out on their behalf.
Don't forget to get proper coverage

Enhanced Car Insurance Coverage
✔ Accident forgiveness coverage
This coverage is almost mandatory if you qualify by having at least six to eight years without an at-fault accident. There will be forgiveness for the first at-fault accident, meaning that you won't get a significant rate increase. This coverage should be taken if it is available.
✔ Conviction free protection
Since you obey the speed limit, you should be rewarded. Not only will you get a discount when you are conviction-free, but this also allows you to buy protection, so you can maintain and enjoy the discounts you receive for having a non-moving violation ticket on your record within the last 3 years.
Should you get one or two tickets for three years? Your rate will not increase due to the moving violation ticket. This can be significant as it could save you well over $500 per year of increased premium if you don’t have this coverage.
✔ Depreciation waiver
Just got a new car? Congratulations! Now drive off a lot, and, unfortunately, your car now just depreciated by 10% to 15%. This means if the vehicle is stolen or destroyed, you will not get back the full value, and there may be a shortfall that would have to be paid back to your lending institution. This endorsement will cover the shortfall, which could be huge.
This protection will last on your new car from 24 to 48 months, depending on the insurance company.

Optional Car Insurance Coverage
✔ Collision coverage
This coverage will protect your car should you have an accident. It also covers hit-and-run accidents or claims made against you while driving. You will likely have to pay your deductible, and the insurance company will pay the rest.
✔ Comprehensive coverage
This coverage is sometimes called fire and theft coverage. It covers vandalism, falling objects, theft, fire, and hail damage.
THINGS YOU CAN DO TO GET YOURSELF THE BEST DEAL POSSIBLE!
Benefit From The Experience of a Car Insurance Professional

Here's a little secret: most of the big insurance companies in Ontario that deal with insurance brokers...
Shop Around For Quotes

This is what you all hear from many people, including the top websites. However, the truth is that online quotes are rarely accurate.
Review Your Policy Each Year

Insurance is a volume business, and a broker may have hundreds if not thousands of clients. It may be difficult for them to get to you every year.
Compare Car Insurance Discounts

Did you know you can save up to 15% off of your car insurance premium if your vehicle is equipped with autonomous brakes?

Pay Your Premium Up-Front
Some companies will offer a 5% discount if you pay your premium in advance. Normally they ask for a 1% to 3% interest charge when you pay your auto insurance monthly.

Focus On Value When Comparing Quotes
Due to media hype, many consumers just look for the cheapest possible rate and buy insurance there. Big mistake!

Be An Educated Car Insurance Consumer
Can tell you from experience car insurance is a hot topic. It is usually an election issue when the election comes on.

Consider Insurance Factors When You Buy A Car
Over the years, many people have made the mistake of purchasing a vehicle and only then asking how much it will be to insure it.

Maintain A Good Credit History
Credit is not yet a rating factor in Ontario. The insurance companies are pushing for it, as they already have this as a rating factor with property insurance.

Ask About Group Insurance
Do you belong to a certain alumni group? What about an association?

Take Advantage Of Low Mileage Discounts
If you commute to the bus station or train station on a regular basis, make sure your broker knows! Why?

Complete Driver Training
Driver training is not only for new or young drivers. I would urge anyone who is newly licensed to make sure they go through the driver training course and receive the certification.

Insure All Vehicles Together
We all know that when you buy in bulk, you usually get a discount. Auto insurance is no different.

Raise Your Deductible
Going with a higher deductible will save you some money on your vehicle's physical damage coverage—around 10%.

Remove Physical Damage Coverage
This is not advisable for a newer vehicle. However, if you feel your vehicle is only worth a few thousand dollars...
FAQ about Car Insurance:

1. How does physical damage coverage on my car insurance policy work?
2. Does my policy cover me when I rent a vehicle?
3. What is uninsured motorist coverage?
4. My car is losing its value. What about my insurance premium?
5. Can I cancel my auto insurance at any time?
6. Will my insurance cover someone else who is driving my vehicle?
7. If my garage burns down, will my homeowner's insurance cover my car?

Why We're Different?
You may think you want the cheapest insurance you can find. However, you may not be getting everything you need in your insurance policy to be properly protected!
While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.
There’s no such thing as a one-size-fits-all insurance policy when it comes to your car insurance.
We are your neighbors. Our brokers live and work in the communities we serve. We insure people we know and care about, and that means we will always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.
Contact us today and let the professionals at Bethel Insurance Brokers help you tailor the most cost-effective auto insurance policy for you and your family!