Sponsor Page!
Karen Lee, Ontario licensed General Insurance Broker
(Auto/Home/Travel/Commercial)
WhatsApp/Tel: 647.706.0900
Stay Safe Branch of Sound Insurance Services Inc.
3190 Steeles Ave. E., Unit 210, Markham, ON
We access to over 50 trusted insurance companies for the best options.
Ontario has the highest car insurance rates in Canada, averaging $1,824 per year (2023 data). That’s why smart comparison shopping is a must!
For the same coverage, premiums can vary greatly between companies!
Start now to find the best rate!
Do you have a BROKER backing you up?
If not, our team is here for you!
Passionate care leading the way +
a team built on expertise and experience
Buying Insurance with a Broker VS Buying Online or from a Bank
1. Save Time & Effort – No Need to Compare Prices Yourself ⏳
✅ We compare over 50 insurance companies to find the best plan for your needs.
❌ Banks and online platforms only sell their own products—no comparison, no analysis.
2. Tailor-Made Coverage 🎯
✅ We use our expertise to customize a policy based on your unique situation.
❌ Banks and online platforms offer only their own limited options.
3. Hassle-Free Claims Assistance 🛠️
✅ Filing a claim is complicated—we handle it and ensure you get fair compensation.
❌ Without a broker, you’re left negotiating alone with the insurance company.
4. Direct Support – No Endless Hotlines 📞
✅ Got questions? Your dedicated broker is just a message away!
❌ Call a bank or online insurer? "Press 1, press 2…" Wait forever, talk to a stranger, and every word you say gets recorded! No turning back!
👉 Using a broker = Save Money, Save Time, No Hotline Torture! 👈
Click here :
KAREN LEE WhatsApp/Tel: 647.706.0900 Karenl@soundinsurance.ca
Stay Safe Branch of Sound Insurance Services Inc. (3190 Steeles Ave. E., Unit 210, Markham, ON)
Has your broker done a good job ensuring you understand what you've been buying all these years?
🚗Overview of Ontario Auto Insurance Coverage
📌MANDATORY Coverage
✔ Third Party Liability (By law 200K)
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Covers you if you're at fault for injury or property damage to others, or if someone sues you. Minimum required is $200K but $1M or more is strongly recommended.
✔ Accident Benefits (Up to 65K, can buy up)
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Provides compensation for medical treatment, rehabilitation, income replacement, attendant care, and other support after an injury.
✔ Uninsured Automobile Coverage
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Protects you and your family if you're injured by an uninsured driver or in a hit-and-run accident.
🔧Common OPTIONAL Coverage
1️⃣ Direct Compensation
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Covers damage to your vehicle and its contents when you are not at fault in an accident.
2️⃣ Collision Coverage (Deductible applies)
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Covers damage to your vehicle from collisions with other vehicles or objects, regardless of fault (e.g. parking posts, garage doors, street signs, hit & run).
3️⃣ Comprehensive (Deductible applies)
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Protects your vehicle from non-collision-related damage: Theft, Fire, Natural disasters (e.g. hail, flood, windstorm), Falling objects (e.g. tree branches, debris), Glass damage, Vandalism, Hitting animals (e.g. deer)
4️⃣ Accident Waiver
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Prevents your first at-fault accident from affecting your premium.
5️⃣ Minor Conviction Protection
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Prevents your first minor traffic ticket from affecting your premium.
6️⃣ Waiver of Depreciation
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Applies to new vehicles (within 2 years). In case of total loss or theft, you're compensated based on the original purchase price with no depreciation applied.
7️⃣ Loss of Use & Rental Car Protection
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Covers the cost of a rental car while your vehicle is being repaired.
8️⃣ Family Protection
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Covers you and your immediate family if you're injured by a driver who has no insurance or not enough insurance
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Your insurer will top up the compensation up to your policy’s liability limit (e.g. $1M or $2M)
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Applies whether you're a pedestrian, cyclist, passenger, or driver
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It’s like a safety net that protects your family when others can’t