Test your renewal and up to two new quotes against a claim you choose: annual premium plus the deductible you would pay.
Use this tool once your renewal offer and the new quotes describe the same drivers, vehicle, use, annual kilometres, liability limit and endorsements. Enter each premium as the full amount for 12 months, including every coverage, any policy fee and any premium tax your province charges. Enter the deductible that would apply to the claim you are testing: the collision deductible for a crash you caused, or the comprehensive deductible for theft, hail or vandalism. The limit is the most the insurer would pay for your own vehicle, usually its actual cash value at the time of the loss unless you have a depreciation waiver.
How it works. For each quote the tool calculates your share = repair cost - min(repair cost - deductible, limit), adds it to the premium and sorts the quotes from lowest to highest total.
Worked example (illustrative). With a $4,000 repair after an at-fault collision: the renewal costs $2,460 + $500 = $2,960; quote A costs $2,210 + $1,000 = $3,210; quote B costs $2,295 + $500 = $2,795. With no claim, quote A is cheapest at $2,210. Change the repair cost to $0 and then to the full vehicle value to see both ends.
Limits. The tool ignores the premium increase that usually follows an at-fault claim, which can cost more than the deductible over several years. In Ontario, a collision where you are not at fault is normally paid under direct compensation (DCPD) without a deductible, so test at-fault claims here. In BC, Saskatchewan and Manitoba enter only the optional coverage you are comparing. All defaults are illustrative, not real quotes.
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