How Can I Get Cheaper Car Insurance Rates in Ontario?
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Age – In most cases, the older you are, the cheaper your auto insurance rate is. Most companies offer varying percentages based on being in being 25 years old or being in your 30’s, 40’s, 50’s, and 60’s.
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Driving experience- It’s stands to reason that the longer you have been driving gaining experience handling a vehicle and knowing the rules of the road, that the better experience you should have. These years along with a clean record show insurance companies that you are worth cheaper auto insurance rates.
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Postal code- Certain regions have lower rates based on actuarial statistics. This could be due to the types of drivers in the region, road congestion, the kinds of lawsuits in that area etc. Typically, if you move to a more rural part of Ontario, you will qualify for cheaper auto insurance rates.
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Driving record- Insurance companies can only rate for at fault accidents 6 years and convictions 3 years. If you have a clean record in those periods then you will qualify for an auto insurance class that is cheaper to insure.
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Increasing deductible- In the last 10 years, the average damage deductible is $500 (which is the portion of the loss you pay in the event of a claim before your insuring pays the rest). Increasing to a deductible such as $1000 or $2,000 will guarantee cheaper insurance rates.
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Shopping around – Insurance companies frequently updated their auto insurance rates to account for changing statistics or insurance risk appetite changes. It’s wise to quote around online or double check your rates by phone every two to three years to confirm whether you could qualify for cheaper auto insurance rates.
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Bundle your insurance – Auto insurance companies honour their clients with cheaper rates when they bundled their vehicles, home, tenant, farm or business insurance together.
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Pay annually – Most auto insurance companies charge a fee for paying monthly but waive this fee and sometimes discount the auto policy further for paying annually. This is a great way to get cheaper auto insurance.
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Pay on time- If you don’t pay on time and get cancelled for any reason, this will be detrimental to qualify for cheaper auto insurance rates. Pay on time and you’ll be sure to save.
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Review your auto policy- By simply reviewing your policy annually, you can reduce costs by noticing certain coverages that may no longer be needed and thus save some money. If you are now retired, no longer commuting, use your vehicle less annually, these are all things to let your broker or agent know. By not reviewing your policy, you could miss out on cheaper insurance rates.
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Winter tire discount- The Ontario government has regulated that all insurance companies must offer a discount for having winter tires. Please note just because you have mud and snow doesn’t necessarily mean you qualify. The tires must have the mountain and snowflake logo to qualify. If you do, get on the phone with your broker or agent to get those cheaper car insurance rates.
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Driving school- If you are a new driver, going to an accredited driving school could save you hundreds of dollars annually on your auto insurance. Tradition Mutual Insurance Company offers not only a discount for having driver’s training but an additional discount for being a new driver with a clean record.
If you have any other questions about how you can qualify for cheaper auto insurance rates, please take a few minutes to give some details about yourself. See the link below. After you do, Kyle Wijnands will be sure to reach out to you and discuss how he can get you cheap auto insurance with the very best customer service! He can also be reached directly at 519-393-3246.

John Brookshaw
"We have been with Tradition Mutual Insurance for 60 plus years Kyle is one of the BEST agents we have ever had Full marks on everything!"
Kim Good
Dayna Vyse
I have my car insurance with Tradition Mutual Insurance and am very pleased with the rates as well as the service I have experienced. Kyle will be sure to provide you with excellent customer service answering any question you may have thoroughly and honestly. He has excellent communication skills and does well to ensure that your insurance needs are met and exceeded.
Kyle found me a much better fit for my auto insurance for a cheaper price and was very easy and pleasant to work with! Kyle was very prompt and responsive and never pushy or sales-y. Super great to work with!"
More than the cheapest car insurance but the best customer service and claim experiences you will find in Ontario, Canada