Protect your car with insurance for Ontario drivers

We give you our best price that’s specifically tailored for you. We’ve come up with a number of ways to help make sure you get the best price on your insurance.

There are a number of ways you could save on your auto insurance:

• Exclusive Sonnet Savings. Self-service has its benefits! You’ll save just for purchasing your insurance online. How easy is that?
• Claims Free. If you’re lucky enough to have been claims-free for six years, you could save.
• Convictions Free. Good driving behaviour deserves to be rewarded!
• Multi-Vehicle. Insuring more than one vehicle with us? Awesome! You may qualify for a multi-vehicle saving.
• Multi-Policy (home and auto). You could save when you insure both your home and your vehicle with us.
• Winter Tires (only in Ontario). They’ll keep you safe and help you save on your auto insurance.

BONUS: Have more than one vehicle insured with Sonnet? No matter which one your drive the most, we’ll automatically assign you as the primary driver to the vehicle that will give you the best price on your insurance.

TIP: Do you live in Toronto? Find out how to get the cheapest car insurance in Toronto.

Yes, you’ll still need to get car insurance for your leased or financed vehicle. It’s not included in your lease or contract.

The leasing or financing company may have specific car insurance requirements as a condition of your contract with them. These could include a minimum deductible for collision and comprehensive coverages. You’ll also need to list them on your policy as an additional interest, since they have a stake in your car. And, they’ll require you to provide them with proof of insurance.

Still have questions? Learn more about how leasing vs. financing a car affects your insurance.

Do you live in Toronto? Find out which has the cheapest car insurance - used cars vs. new cars.

The Ontario government sets out required coverages and approves pricing for auto policies. In some provinces you can also purchase your insurance from the province. In Ontario, you purchase your car insurance through a private insurer. With Sonnet, you can get an auto insurance quote online in 5 minutes. All you’ll need is your driver’s license number, vehicle identification number (VIN) and the answers to a few simple questions – we do the rest of the work for you!

Heads up! Check out these tips on how to get a car insurance quote if you live in Toronto.

There are a couple of things you need to consider:

Liability limits. We'll cover you and the people on your policy for valid claims, and the cost of settling those claims, if you're held liable for injuries or damage to someone else's property as a result of an auto accident. Tip: Minimize how much you could be financially liable for in the case of a major accident by increasing this limit.

In Quebec, we cover the damages to your vehicle as well as those to someone else’s property. However, injuries are covered under the Quebec public insurance plan, SAAQ.

Extra coverages. If your vehicle would cost more than the deductible amount to repair it, you might consider adding Collision: Your Fault and/or Comprehensive coverage. (In Quebec, Collision coverage is called “Collision and Upset”, and Comprehensive is known as “All Perils Other than Collision and Upset”.) If your vehicle is involved in a collision with another object or tips over, Collision coverage will help cover the damage. Comprehensive covers your vehicle against loss or damage other than what's covered by Collision. This includes falling or flying objects, missiles and vandalism, and all the things listed under Specified Perils.

Review our guide on what coverages you should choose when getting a car insurance quote in Toronto.

Once you've purchased your auto policy, we’ll send you an email with a link to activate your Sonnet account. Your car’s pink slip (also known as your liability card or liability slip) and proof of insurance will be accessible directly through your account. From there, you can download and print them out.

Looking for your pink slip in your account? Follow these steps:

1. Log in to your account and click on your auto policy.
2. Click Download documents.
3. Select Download under your Liability Card to get your pink slip.
4. We’ll also send you a hard copy of your new pink slip through the mail (which takes about 5 business days).

Haven’t received your liability slip in the mail? First, double check the mailing address listed on your account. You can do this by signing into your account and selecting Settings. If your mailing address is incorrect, contact us.

Heads up! Although digital pink slips are now accepted in some provinces, you’ll still need to carry a physical pink slip for your Sonnet auto policy while driving. We do not offer an electronic pink slip option at this time.