✅ Yes, you can get a new insurance quote anytime in Ontario! 🛡️🚗

Whether you’re shopping around for better coverage, looking to save money, or just curious—you’re free to get a quote at any time.

Here’s what you should know:

🔄 You’re Not Locked In Forever

Even if you’re mid-policy, you can switch providers. Just be aware of potential cancellation fees or timing your switch close to renewal to avoid them.

📆 Best Time to Shop?

About 30-45 days before your renewal is ideal—but again, you can request a quote whenever you want.

💡 Rates Change Frequently

Your premium can be affected by things like driving record updates, address changes, vehicle upgrades, or changes in insurers’ pricing models.

🤝 A Broker Can Help

A local insurance broker can compare multiple providers and help you make a smooth switch—with no surprises.

How McGoey Insurance Brokers Can Support You

McGoey Insurance Brokers is a family-run brokerage in Tottenham, Ontario, with over 125 years of community service.

Here’s what we offer:

• Personalized guidance in navigating auto, home, commercial, and farm insurance.
• As a broker, they represent you, the client, not any single insurer. They manage your coverage options, assist with claims, and clarify complex terms.
• Convenient local support—based in New Tecumseth—and attentive customer service, as reflected in glowing client testimonials.

Benefits of Changing Insurance Before Renewal

Benefit	How It Helps
Cost savings	Many Ontario drivers save hundreds each year by comparing quotes
Better coverage or service	You may find more customer-focused providers or optional coverage (e.g., higher liability, optional add-ons).
Bundle discounts	Combining auto with other policies (like home) may yield 5–15% savings
Lock-in rates	If you spot a lower rate, switching can ensure it’s applied longer—especially useful when premiums are trending upward

Risks Before Your Renewal

• Interruptions in coverage: Switching mid-term might mean cancelling your current policy early, possibly leading to short-term coverage gaps or loss of loyalty/multicar discounts.
• Adjustment periods: Some insurers include waiting periods for certain benefits or features when starting a new policy.
• Potential rate changes: Ontario regulators (FSRA) approve rates periodically, so premiums may shift—sometimes making quotes expire or differ by renewal time
• Administrative hassle: You’ll need to ensure your old policy’s cancellation aligns with the effective start date of the new one to avoid double coverage or unprotected periods.

How McGoey Can Smooth the Process

• Clarifying your current vs. potential premiums, factoring in all variables like usage, location, driving history, and credits.
• Managing the transition—they’ll help align start and end dates to avoid gaps and may negotiate better bundle options or loyalty discounts on your behalf.
• Handling paperwork and claims support—a clear advantage over going it alone.

Bottom Line

Can you get an insurance quote at anytime? Yes, you can get insurance quotes anytime in Ontario, online or via brokers.

McGoey Insurance Brokers, with deep local roots and client-first service, can help you compare, understand, and switch policies effectively.

Benefits include possible cost savings, improved coverage, or bundling perks. Risks involve timing mismatches, rate fluctuations, or disruptions in coverage.

With expert guidance, switching before renewal can be a smart move—just to ensure the transition is seamless.