Car insurance in St. Catharines: quote and buy online in minutes 

Once you've purchased your car insurance, we’ll send you an email with a link to activate your Sonnet account. Your pink slip and proof of insurance will be accessible directly through your account dashboard. Here you can also get the steps to add your eSlip right to your phone’s digital wallet.

If you would like to download an eSlip, here are the steps to add it to your phone:

1. Download the Sonnet Insurance app from the App Store (iOS) or Google Play store app (Android).
2. Log in to your account in the app using the same email and password you set up for your Sonnet account.
3. For first-time users, tap the ‘Get your eSlip’ banner over the ‘More’ tab. Agree to the terms and conditions for eSlips. Choose your vehicle (for single policies) or choose your policy then vehicle (for multiple polices).
4. eSlips will automatically update in your digital wallet app after a policy change or renewal. If you notice that it hasn’t automatically updated, tap on the ‘More’ tab, then tap ‘Pink Slip’. Choose your vehicle (for single policies) or choose your policy then vehicle (for multiple polices).
5. Your eSlip will automatically be added to your phone’s digital wallet.

Heads up! If you are an iOS (iPhone) user, the Background app refresh setting must always be turned ON. This setting allows eSlips to automatically update when you make a policy change or renew your policy.

Follow these steps to turn this setting ON:

1. Go to your iPhone Settings and scroll down until you see the Sonnet Insurance App.
2. Simply tap the Background App Refresh toggle, so it is ON (green).

Want to view your physical pink slip in your account? Follow these steps:

1. Log in to your account and click on the ‘Easily access your digital pink slip’ card.
2. For single policies click ’Download’. For multiple policies, choose your policy number and then click ‘Download’.

We’ll also send you a hard copy of your pink slip through the mail (which takes about 5 business days).

Haven’t received your liability slip in the mail? First, double check the mailing address listed on your account. You can do this by signing into your account and selecting Settings. If your mailing address is incorrect or you would like to request a new pink slip be mailed, contact us.

Collision and comprehensive coverage work together to protect your car from many kinds of damage. When you have both, you’ll be covered for most types of damage. Plus, you won’t need to pay out-of-pocket to repair or replace your car.

Collision coverage protects your car when you’re at-fault in an accident, such as:

• Your car hits another car
• Your car hits an object (like a road sign or a street light)
• Your car rolls over

Heads up! For some not-at-fault accidents, like if you’re involved in a hit and run collision, you're still covered under your collision coverage.

Comprehensive coverage is a little different, because it protects your car from damage that’s caused from things other than an accident. This could be a rock hitting your windshield or a tree falling on your car during a storm. While comprehensive coverage can differ between insurers, here’s what it commonly covers you for:

• Your car is damaged by fire
• Your car is vandalized
• Your car is stolen
• Your car is damaged by a falling object
• Your car is damaged from a wind or hailstorm

Heads up! Although not mandatory coverage, if you lease your vehicle, both collision and comprehensive coverage are usually required by your leasing or financing company. Learn more about insuring your leased or financed vehicle.

We give you our best price that’s specifically tailored for you. We’ve come up with a number of ways to help make sure you get the best price on your insurance.

There are a number of ways you could save on your auto insurance:

• Exclusive Sonnet Savings. Self-service has its benefits! You’ll save just for purchasing your insurance online. How easy is that?
• Claims Free. If you’re lucky enough to have been claims-free for six years, you could save.
• Convictions Free. Good driving behaviour deserves to be rewarded!
• Multi-Vehicle. Insuring more than one vehicle with us? Awesome! You may qualify for a multi-vehicle saving.
• Multi-Policy (home and auto). You could save when you insure both your home and your vehicle with us.
• Winter Tires (only in Ontario). They’ll keep you safe and help you save on your auto insurance.
• Canadian University Alumni and Canadian College Alumni. You could save when you are a Canadian University or College alumni or student.

Yes, you’ll still need to get car insurance for your leased or financed vehicle. It’s not included in your lease or contract.

The leasing or financing company may have specific car insurance requirements as a condition of your contract with them. These could include a minimum deductible for collision and comprehensive coverages. You’ll also need to list them on your policy as an additional interest, since they have a stake in your car. And, they’ll require you to provide them with proof of insurance.

Still have questions? Learn more about how leasing vs. financing a car affects your insurance.
Do you live in Toronto? Find out which has the cheapest car insurance - used cars vs. new cars.

In Ontario, the minimum coverage required by law is:

• Liability
• Uninsured Automobile Coverage
• Accident Benefits

You can’t legally drive without these three.

You might want to add optional coverages that would repair or replace your car if it’s damaged. Collision and comprehensive coverages aren’t required by law. But, they’re highly recommended if you want to avoid paying costly bills out of pocket. Collision takes care of damage to your car in case of an accident with another car or object. Comprehensive covers damage from fire, theft, falling objects, and more. 

Heads up! As of January 1, 2024, Ontario auto insurance policyholders can opt out of Direct Compensation Property Damage (DCPD). DCPD was previously mandatory in Ontario. This coverage is also known as Collision – Not Your Fault.

Think carefully before removing DCPD from a vehicle. If you decide to opt out, here’s what to consider:

• You’ll have to pay out of pocket to repair or replace the vehicle even if you’re not at fault in an accident.
• You won’t be compensated by anyone else’s policy. And, you can’t sue anyone to recover damages. This includes anyone at fault for causing the damage. It also includes their insurer.
• If you have Collision or All Perils coverage, they will be removed from that vehicle.
• Extras like towing, storage, and a rental vehicle will also be removed.
• If you lease or finance your car, the contract with your lender might not allow it.
• You can’t remove the coverage through your Sonnet.ca account. You must call in and we’ll send you a paper consent form to fill out and send back to us.

We always want you to be fully protected! Have questions about your policy? Reach out to one of our agents via chat or email. They’re happy to help!

Getting car insurance in Canada is easy. With Sonnet, you can get a car insurance quote online in minutes. All you’ll need is your driver’s license number, vehicle identification number (VIN) and the answers to a few simple questions – we do the rest of the work for you! Get an instant quote now.

Did you know? Your postal code affects your car insurance whether you live in Toronto or elsewhere in Canada.