Are you planning to buy Auto insurance Toronto? Are you searching for auto insurance in Toronto? There are 64 counties in Toronto. In each state, they have individual and specific laws. That means you have to get educated about the auto insurance requirements of every county in Toronto. Altogether there six separate auto insurance policies. Out of which, some coverage types are made mandatory by state laws with minimum liability limits, and the rest are discretionary. Auto insurance Toronto agents and financial experts in most counties suggest that physical injury liability ceiling could be $100,000 per head and $300,000 (popularly termed 100/300) per incidents. Bodily injury (BI) liability will cover you when an accident occurs from your side killing or hurting someone. In Toronto, the law demands a ceiling of $25,000 a person for BI and $50,000 per occurrence (25/50). If your car (even if it somebody’s car driven by you) damages somebody else’s property Toronto law demands your minimum purchase of $15,000 per accident. It covers even the harm you have done to any other physical property like garage doors, utility poles and buildings. You can also cover yourself with uninsured (UL) or underinsured motorist (ULM) policies up to 100,000/300,000, suppose are worried about a possible hit-and-run by a driver with inadequate insurance exposure. For any damage done to your car, you can purchase additional insurance cover for similar cases. This is common, not optional. However, insurers have to offer UM and/or UIM in the BI liability limits you have chosen. A review to your advantage is possible. In Toronto car insurance quotes, comprehensive coverage of $100 is optional but made mandatory by banks. This insures your car against theft and other damages caused by flood, storm, earthquake, explosion, falling objects, or encounter with wildlife inhabitants. It all depends on in which state you belong to. All auto coverage has its premium. What you have to do to arrive at the exact price is add them up. Remember to think over the assets you have to protect, your purchasing power and what exactly is your requirement. You can carry more insurance if you can afford. You have to sit down with the insurance agent or company representative and have a threadbare discussion to determine your and your family’s needs. All the bills will be verified by the surveyor of the insurance company, if any repair of the part costs more it has to be paid from one’s own pocket. The cheque will be given within 10 to 15 days of the claim. If the policy is limited within the country and you have to cross the country boundaries, you have to inform the insurance company as you need extra coverage for that. Renewing of the policy on time is always preferred instead of postponing the renewal as it is taken under crime by law to drive with invalid insurance; moreover timely renewal reduces the premium. Toronto car insurance quotes, comprehensive coverage of $100 is optional but made mandatory by banks. This insures your car against theft and other damages caused by flood, storm, earthquake, explosion, falling objects, or encounter with wildlife inhabitants.