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Broker-channel value plus Sonnet’s online arm
Economical / Sonnet (a ON champion) competes in SK: Definity (Economical) serves Ontario’s broker market with competitive clean-record pricing, while Sonnet quotes fully online with no phone call. Sonnet’s Shift telematics adds up to 35% for safe driving plus 10% for driving less. Recent FSRA approvals are the most negative among Ontario champions (-1.31%, 2026-09).
| $100k | $172–$172/yr |
| $200k | $316–$316/yr |
| $300k | $438–$438/yr |
Compared at $200,000, taking each carrier lowest quote. Figures come from this site rate engine and move with the rate tables.
Sonnet is the direct-to-consumer arm of Definity Financial, whose legacy brand Economical sells through brokers. Same balance sheet, two channels.
It combines a competitive national factor with the largest negative FSRA approval trend (-1.31%) among ON champions, plus Sonnet’s documented 15–25% clean-record pricing.
Price ranges are rate-table estimates based on public industry data and regulatory approval trends; final premiums are subject to carrier underwriting.