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 that the majority of drivers have their car insurance with. This partnership allows 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 complex, 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 you the very best price protection and service. Get a quote now from one of these top carriers . 



Ontario car insurance coverage

Client Centered

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.

Medical Payments

There are medical payments for injuries that are considered non-catastrophic. You have up to $65,000 as the standard coverage for non-catastrophic injuries, which can be increased up to $130,000. It may also go up to 1 million for catastrophic injuries.

Funeral expenses

There are also funeral expenses for up to $6,000 and optional for $8,000.

Death Benefits 

Death benefits will pay up to $25,000 to your spouse and up to $10,000 to your dependents. The amount can be doubled under both benefits if you choose the increased option. 

Income Replacement

There is income replacement standard coverage, which is $400 per week, or you can purchase various options for $600, $800, and $1,000 to better reflect your actual income. 

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 to 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 that was paid out on their behalf.

Don't forget to get proper coverage 

Enhanced Car Insurance 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, this allows you to buy protection, so you can maintain and enjoy the discounts you receive for having non-moving violation ticket on your record within the last 3 years.

Should you get one or two tickets during a three-year period? 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

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 

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...

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Shop Around For Quotes 

Shop Around For Quotes 

This is what you're all hear from many people, including the top websites. However, the truth is online quotes are rarely accurate. 

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Review Your Policy Each Year

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.

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Compare Car Insurance Discounts 

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?

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Pay Your Premium Up-Front 

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.

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Focus On Value When Comparing Quotes 

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!

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Be An Educated Car Insurance Consumer 

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.

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Consider Insurance Factors When You Buy A Car

Consider Insurance Factors When You Buy A Car

Over the years many people have made the mistake of purchasing a vehicle, and then asking how much it will be to insure it.

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Maintain A Good Credit History

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.

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Ask About Group Insurance

Ask About Group Insurance

Do you belong to a certain alumni group? What about an association?

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Take Advantage Of Low Mileage Discounts  

Take Advantage Of Low Mileage Discounts  

If you only commute to the bus station or train station on a regular basis, make sure your broker knows! Why?

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Complete Driver Training 

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.

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Insure All Vehicles Together  

Insure All Vehicles Together  

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

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Raise Your Deductible 

Raise Your Deductible 

Going with a higher deductible will save you some money on the physical damage coverage of your vehicle. Around 10%.

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Remove Physical Damage Coverage 

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...

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FAQ about Car Insurance:

Why We're Different?

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!

Get the cheapest insurance rates in your city!

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