Buying a car is an undoubtedly exciting experience. Few things feel better than taking your brand new ride for a spin around your neighbourhood for the first time.
But, as you start to age and your family begins to grow, you slowly realize that one vehicle isn’t enough. This leads to the question, “can you be primary driver on 2 cars in Ontario?” — we’re glad that you asked!
We answer this question, and several more, in the following paragraphs.
What is a primary driver?
Before we dive into the intricate details, let’s quickly go over some basic information that you need to know. For starters, what exactly is a primary driver?
In layman’s terms, a primary driver is an individual who uses a car more than the other drivers listed on the policy (these are generally known as secondary drivers).
What’s the difference between a primary driver and a secondary driver?
A secondary driver is a person who is listed on a car insurance policy that uses the car occasionally.
For instance, many parents in Ontario will list their child as the secondary driver of a car they own. Doing this allows the child to take advantage of the parent’s benefits, discounts, etc.
Can you be the primary driver of multiple cars in Ontario?
Now that we know what a primary driver is, it’s time to get into the nitty-gritty details that you’ve all been waiting for.
So, can you be the primary driver of more than one vehicle in Ontario? In short, yes, you can.
Insuring multiple cars with one provider is often referred to as multi-car or multi-vehicle coverage in Ontario. Most multi-vehicle coverage policies can cover up to five different vehicles; however, the vehicle limit varies from provider to provider. Be sure to double-check your car insurance provider’s multi-vehicle coverage limit before making any rash decisions.
What is the cost of insuring a second car in Ontario?
Unfortunately, we can’t provide you with a precise answer. Like the other facets of auto insurance, the price of your second car insurance policy is based on individualized factors, many of which are out of your control.
Some of these factors include the following:
- Location
- Driving history and record
- Make and model of the insured vehicle
- Age of the insured vehicle
- Replacement value of the insured vehicle
- Personal information (driver’s age, gender, etc.)
Because of this, it’s nearly impossible for two drivers to pay the exact same amount for multi-car coverage in Ontario.
Thankfully, we can say that the insurance rates of your second vehicle will generally be cheaper if you choose to get multi-car coverage.
Do you want to save on multi-car insurance in Ontario? Surex is here to help
We know that being the primary driver of one vehicle in Ontario is expensive as it is. So, getting insurance for second car models may seem like an ambitious undertaking for several drivers in Ontario.
If you’re having a hard time finding multi-car insurance that meets your needs and works with your budget, it may be time to re-shop your car insurance policy with Surex.
At Surex, our number one goal is to help you find the very best car insurance for you and your family. Whether you need to protect one vehicle or five, we’ve got you covered. Our team of experienced insurance advisors works alongside the most respected car insurance companies in Ontario, making it easy for them to provide you with top-of-the-line quotes.
Best of all, our team works lightning fast — within ten short minutes, your advisor can provide you with upwards of ten personalized quotes. Call or visit our website today to learn how you can save 25% or more on car insurance in Ontario!
What are the benefits of being the primary driver for more than one vehicle in Ontario?
There are several reasons why drivers in Ontario choose to be the primary driver of more than one vehicle. Some typical examples include the following:
Car for different occasions
If you get invited to a black-tie event, you likely don’t want to arrive in a mini-van. In contrast, going to the grocery store in a two-door sports car isn’t necessarily practical.
Being the primary driver of multiple vehicles gives you the freedom and flexibility you need in today’s ever-moving world.
Instead of treating your vehicle like a one-size-fits-all solution, you can utilize various models to complete different tasks. In turn, you can get things done more efficiently, giving you more time to spend on the things you enjoy the most.
Savings
As mentioned earlier, being the primary driver of more than one vehicle gives you access to multi-car insurance discounts. There’s no set-in-stone multi-car insurance discount, as the amount varies from provider to provider.
Car insurance fronting in Ontario
Have you ever heard of the term car insurance fronting? Car insurance fronting is the act of naming your child as a secondary driver on your policy when in reality, your child is the one using the vehicle the most.
Many parents do this thinking that it will help their child save on insurance, but car insurance fronting is against the law in Ontario.
Anyone that is caught fronting car insurance in Ontario can potentially lose their insurance coverage and may get charged for driving without valid insurance. Driving without valid insurance is against the law in Ontario and the rest of Canada.
Despite the severe punishments, many Ontarian drivers are unaware that car insurance fronting is illegal. If you are currently fronting your child’s car insurance, you should reach out to your provider as soon as possible to address and fix the issue.
Do you have unanswered questions about being the primary driver of multiple vehicles in Ontario?
Would you like to know more about the intricacies of being a primary driver in Ontario? Do you have questions that you need to know the answer to?
If so, don’t hesitate to get in touch with your Surex insurance advisor today. Our experienced advisors are always happy to answer any questions that you may have about insuring multiple vehicles in Ontario.
