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Auto insurance rules are shifting in a major way on July 1, 2026, and it’s going to fundamentally change how you customize your policy. 🚙🇨🇦

The provincial government is rolling out new reforms that eliminate the traditional "one-size-fits-all" approach to Statutory Accident Benefits.

Here is what you need to know:

✅ What stays mandatory: Standard medical, rehabilitation, and attendant care benefits remain automatically included in every Ontario policy.

⚠️ What becomes optional: Coverages like income replacement, caregiver benefits, housekeeping/home maintenance, and death & funeral benefits are moving to a purely optional framework.

What does this mean for you? 🤔

While existing policies will automatically renew with your current coverage levels, you will now have the power, and the responsibility, to customize these options to fit your lifestyle and budget.

Don't wait until a collision happens to find out what you are (and aren't) covered for.

Let’s be real: owning a car in Canada isn’t getting any cheaper. Between fluctuating gas prices, routine maintenance, and insurance, the monthly receipts add up fast. 💸🚙

If your car budget is feeling a bit heavy, we’ve broken down the actual cost of driving in Canada, plus the smartest ways you can start chipping away at those expenses today.

Check out our complete survival guide to hitting the brakes on high car costs: https://www.thinkinsure.ca/insurance-help-centre/car-driving-costs-canada-guide-with-savings-tips.html

Protecting your ride goes beyond having the right policy. To reduce the risk of theft, use a high-quality U-lock paired with a sturdy steel chain to secure the frame and wheels. Avoid leaving your bicycle outside at night and consider registering your serial number with projects like 529 Garage. Cyclists who register their serial numbers are significantly more likely to recover their property.

Starting July 1, 2026, the Ontario government is implementing significant changes to auto insurance. All coverage except for Statutory Accident Benefits (SABS) will become optional. 🚗

This means your default policy will provide significantly lower protection unless you choose to purchase additional coverage. Medical, rehabilitation, and attendant care benefits will also be reduced.

Understanding these changes is necessary to avoid being underinsured in the event of an accident.

Read our full guide to the 2026 Ontario auto reforms: https://www.thinkinsure.ca/insurance-help-centre/accident-benefits-changes-guide-2026.html

You may qualify for lower home insurance rates if you have a monitored alarm system, a newer home build, or no mortgage. We shop the market to find you every available discount. Get a quote and start saving 👉 https://www.thinkinsure.ca/home-insurance/ontario-quotes.php 🏡

Car insurance costs in Toronto are higher than the provincial average due to heavy traffic, long commutes, and higher rates of auto theft and fraud - the average annual cost for a policy in the city is $2,246. 🏙️

We help you find lower rates by comparing quotes from the leading insurance companies in Canada. Our Toronto car insurance brokers are experts in the GTA market and can help you identify the most affordable options for your specific neighbourhood. 🚗

Stop paying for everyone else’s bad driving! 🚗💨

With Usage-Based Insurance (UBI), your premium is based on your habits, not just a generic demographic. It’s the smartest way to take control of your car insurance costs.

Check out how easy it is to start saving 👇

A stone flies up on the highway and cracks your windshield.

Replacing a windshield with sensor recalibration can cost $1,200. If you have comprehensive insurance with a $300 deductible, your insurer pays the remaining $900.

Without it, you pay the full amount out of pocket.

Learn more about comprehensive insurance and claims: https://www.thinkinsure.ca/insurance-help-centre/comprehensive-insurance-coverage.html -7

We partner with more than 50 leading insurance companies to find you the best protection at the lowest rate. If you are looking for home insurance in Ontario, we provide a quick and easy way to compare quotes and switch for a better rate. 🏡

Bundling home and auto insurance is a proven strategy to reduce costs, but the total savings depend on your provider, claims history, and coverage limits.

Our team of licensed brokers compares the market for you, identifying which insurers offer the best multi-line discounts for your specific situation.