Auto Insurance

Cruise with confidence and keep costs in check.

Your vehicle isn't just a way to get from A to B – it’s a key part of your everyday adventures. At Erion, we compare a range of insurance providers to find you the perfect auto insurance policy, tailored to shield your ride while keeping your expenses under control.

Drive with Assurance

Your trusted partner for auto insurance solutions.

As Niagara’s trusted insurance brokers, we excel in finding personalized auto insurance solutions for our community. Whether you drive a car, motorcycle, or RV, our knowledgeable team is dedicated to finding the perfect coverage to match your needs.

CarInsurance

Hit the road with confidence! Our car insurance keeps you covered for everything from fender-benders to major mishaps, with options that fit your lifestyle and driving habits.

EVInsurance

Protect your EV with a plan designed for electric. From coverage on batteries to charging station equipment, our electric vehicle insurance keeps you protected every time you hit the road.

Classic CarInsurance

For cars as timeless as your taste. Our classic vehicle insurance understands the passion you have for your vintage ride. Specialized coverage keeps your classic car protected and ready for the next cruise.

FleetInsurance

Running a business on wheels? Keep your fleet rolling safely with our customizable fleet insurance. From small businesses to larger operations, we’ve got the coverage to protect every driver and every vehicle.

Custom auto coverage for every journey.

The Erion team understands that auto insurance needs to be as dynamic as your lifestyle. From covering your vehicle against damage and theft to ensuring liability protection and repair costs, we handle all the details so you can enjoy every journey worry-free.

Accident Benefits

Provides benefits to assist you if you're injured in an auto accident.
Accident Forgiveness

Provides a one-time “free pass” for an at-fault accident, preventing a rate increase as long as you stay with the same insurer.
All-Perils

Combines collision and comprehensive coverage with added theft protection, covering vehicle-to-vehicle damages, fire, falling objects and collision with animals.
Cherished Salvage

Reserved for Classic Car insurance, this coverage allows you to retain your vehicle after its damage and also receive its full insured value when it’s damaged beyond repair.
Collision Coverage

Pays for repairs or replacement if your vehicle is damaged in an accident, whether with another car or an object, even if you’re at fault.
Comprehensive Coverage

Covers non-collision damage to your vehicle from incidents like weather, fire, theft, or vandalism.
Direct Compensation Property Damage

Covers damages to your vehicle in a collision if another driver has valid insurance and is at fault.
Third Party Liability

Provides legal protection if you’re sued after causing an accident that injures others or damages their property.
Transportation Replacement Coverage

The “20” or OPCF 20 - If your vehicle is damaged, due to an insured loss, covers, up to your policy limits, payment for other means of transport, like a rental car.
Emergency Roadside

Covers towing following an accident.
Removing Depreciation Deduction Coverage

The “43” or OPCF 43 - If your vehicle is declared a total loss, there is no deduction for depreciation from the value of your vehicle, ensuring you’re reimbursed for the lesser of its original purchase price or similar replacement value or the manufacturer’s suggested retail price on the original date of purchase.
Uninsured Automobile

Covers all accident costs if the at-fault driver is uninsured or if they flee the scene.

Better protection for every mile you drive.

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Your FAQs answered.

Have questions about insurance? You're not alone! From coverage details to claims processes, we’ve compiled answers to the most common inquiries to ensure you have all the information you need.

Read All Our FAQs

Can I get a discount for having winter tires?

Absolutely! In Ontario, having winter tires on your vehicle during the colder months can make you eligible for a discount on your auto insurance. Make sure to let us know if you use winter tires.

I bought a new car. What paperwork do you need to add it to my policy?

Congratulations! We just need three things to add your new car to your policy:

The Vehicle Identification Number (VIN)
A copy of the ownership
A copy of the bill of sale to tell us the value so we maximize your coverage in the event of a loss

My child is getting their G1. Do I have to add them to my policy?

No, not for G1. But this could be a good entry point for starting an insurance relationship. Talk to us about how you can benefit.

My child just got their G2 driver's license. What do you need to add them as an occasional driver?

It’s really simple - we need four things to get coverage in place:

Your child’s birthdate
Their driver’s license number
The date they passed their G2
A copy of the driver training certificate from the local MTO or Service Ontario kiosk

Will my auto rate change once I turn 25?

YES - Happy Birthday to you! We’ll take the edge off your ‘quarter-life crisis’ by applying a discount to your auto insurance.

Can I lend my car to a friend or relative? What happens if they get into an accident?

Yes! Friendship is wonderful! The vehicle owner can permit any licensed driver to still benefit from insurance coverage.

Does my insurance cover rental vehicles?

If you have rental car coverage, your current auto insurance extends to rental vehicles. This is useful if you frequently rent cars and want peace of mind that you’re covered.

How high should I set my car insurance deductible?

The choice is yours! If you want to save money on your premium, you can choose to pay a higher deductible. The risk is more money out of your pocket in the case of a claim.

What factors have an impact on my car insurance premium?

Many factors determine your car insurance premium. Some include:

The make, model and year of your vehicle
The deductible you’ve chosen
Where you live and work
Your daily commute, average annual driving distance, etc.
Your driving experience
The amount of coverage you require

What should I do if I’m involved in an accident?

First, make sure everyone is safe and call emergency services if needed. Exchange information with the other driver, document the scene, and contact us as soon as possible to start the claims process. We’ll walk you through every step.

Does my insurance cover me if I drive for a rideshare service like Uber or Lyft?

Driving for rideshare services can require specific coverage that may not be included in a personal auto policy. If you plan to drive for a rideshare company, let us know, and we’ll discuss the best coverage options to keep you protected.

Will my auto rate change on renewal?

Yes, auto insurance rates are reviewed each year. Insurance is a community-based system, so factors affecting the entire pool, like claim costs and market changes, can impact your rate. As your broker, we’ll help you navigate changes and get the best coverage possible.

Can I get a discount if I bundle my car and home insurance?

Absolutely! Bundling your car and home insurance can lead to a discount and make it easier to manage your policies in one place. With Erion as your broker, bundling is simple and convenient.