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• Avoid tickets, traffic violations, and at-fault collisions

• Bundle your home and auto insurance with the same insurance company

• Bundling multiple types of insurance can reduce your premiums

• Ask your insurer about discounts

• Some insurance companies offer discounts for students, anti-theft devices, and other factors

• Increasing your deductible means you're willing to pay more if you need to make a claim, which can result in lower insurance rates

• Winter tires can reduce accidents, which usually means fewer insurance claims

• In some parts of Canada, winter-rated tires are required for winter driving

Usage-based or telematics insurance programs offer discounts for safe driving. These programs track your driving habits, such as rapid acceleration, sudden braking, and the times you’re on the road. You can typically get an instant 10% discount just by signing up, and depending on your driving behavior, you could save up to 30% when it’s time to renew. These programs are ideal for responsible drivers, especially young or new drivers, as they help build a strong insurance history more quickly.

Insurance premiums tend to be higher for new and young drivers due to their lack of experience and driving history. Enrolling in an Ontario Ministry of Transportation-approved driver training course can lead to significant savings on your insurance. Beyond financial benefits, the course will also equip you with essential skills to become a safe, confident driver and develop responsible driving habits that last a lifetime.

Insurers appreciate long-term customers and often reward them for sticking with the same provider. The longer you stay with a company, the more you can save on your premiums when you renew each year. Loyalty can lead to greater discounts over time.

Maintaining a good credit score can have a significant impact on your home insurance premiums. Insurers often offer lower rates to homeowners with higher credit scores, as they are seen as less risky to insure. By keeping your credit score in good standing, you can potentially save a substantial amount on your home insurance each year.

A claims-free discount is a great way to save on your auto insurance premiums. Insurers offer this discount to drivers who have a history of no claims, as they are considered lower risk. Maintaining a claims-free record can lead to significant savings on your policy.

In Ontario, there is also a new option allowing drivers to resolve certain claims outside of their insurance, up to $5,000. This means you can settle minor damages privately without involving your insurer, helping you preserve your claims-free status and avoid higher premiums.