What Questions Do Ontario Car Insurers Ask?

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There’s something about the idea of having to obtain insurance for a new car that many potential car owners find intimidating. Part of that has a lot to do with all of the various options out there as it can seem a little overwhelming, but people are also intimidated because they’re not sure what car insurers are going to ask them. They don’t want to say the wrong things and jeopardize the potential for getting insurance and they don’t want to say something that will cause them to have to pay higher rates. These are certainly real concerns, but as long as you know what to expect when you contact a potential insurer the process doesn’t need to be stressful at all.

The Basics

The first questions that a car insurer is likely to ask you revolve around some basic information about you. These are things such as your full name, the make and model of the vehicle you’re trying to insure, they’ll ask you who your current broker is if any, and they’ll ask if there are any other drivers in the house that will be driving the car.

Questions About Your Driving History

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The thing that will have the most significant impact on what type of policy an insurer will offer you and how much it will cost you is your own personal driving history. How many accidents you’ve been in, how many tickets you’ve had, and whether or not you’ve had a DUI are all important things that an insurer will want to know the answers to before they’ll provide you with the policy. An insurance company is a business and as is the case with any other business they’re in it to make money which means they want to minimize their risk. The answers to these questions can determine how much of a risk you really are.

Driving Distance

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Another question that’s commonly asked is how far you drive one way each day to get to work. The reason that insurers ask this question is very simple – the more time you spend on the road the greater the chance is that you might be in an accident. If you only drive five minutes to work every day there is a lot less chance of getting in an accident than if you drive an hour on the highway in heavy traffic.

Questions About Your Family

Even if there are family members in your household that you never intend on letting drive your car you still have to let your insurance company know that they are a licensed driver. In the eyes of insurance companies, any licensed driver in the home is likely to drive a car and their individual driving record will directly impact the rate of insurance you pay along with your own.

Questions About the Car

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An insurance agent will ask you the make and model of the car you are driving as the value of the car and the type of car it is will also affect your insurance rates. If you’re driving a Lamborghini you’re going to pay a lot more in insurance than you are if you’re driving a Chevy Cruze. The Lamborghini has a lot higher replacement cost and it’s viewed as a sports car which is always considered riskier.


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