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How Can I Get Cheaper Car Insurance Rates in Ontario?

  1. 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.

  2. 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.

  3. 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.

  4. 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.

  5. 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.

  6. 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.

  7. Bundle your insurance – Auto insurance companies honour their clients with cheaper rates when they bundled their vehicles, home, tenant, farm or business insurance together.

  8. 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.

  9. 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.

  10. 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.

  11. 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.

  12. 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

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.

Dayna Vyse

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 


Find a cheap car insurance quote for these Ontario cities and towns: 

Frequently asked auto insurance questions: 

Ways to get cheaper auto insurance in Ontario: 

New Driver Discounts

If you have auto and home/tenant insurance, you can save on both policies

Bundle Policies

If you have auto and home/tenant insurance, you can save on both policies

Multiple Vehicles

If you have more than one vehicle in the household insured, car insurance rates are cheaper

Pay Annually 

Paying annually instead of monthly will make your auto insurance premiums cheaper. 

Take Driver Training

For new drivers, having driver's training helps to lower auto rates and get cheaper insurance. 

Pay on Time

If you pay on time, your insurance record won't have any cancellations for non-payment and will get you cheaper rates. 

Relationship Status

Typically, the statistics for those who are married are better and can get you cheaper auto rates. 

Have a Clean Record

At fault collisions, convictions, dangerous driving charges etc make premiums higher. A clean record means cheaper auto rates.  

Low KM Use

The lower the usage of the vehicle, the cheaper the insurance. 

Shop & Compare

Rates range from company to company. Look around to see what is the best and cheapest. 

Raise Deductibles

The deductible is what you pay before the insurance company does. Higher deductibles make car insruance rates cheaper. 

Winter Tires

Discounts are available for having winter tires on your vehicle during the snowy season. 

Mandatory Car Insurance Coverages Required in Ontario

Liability Coverage 

For bodily injury or property damage of someone else, costs are covered for you.

Direct Compensation

If you are are not at fault, damages to your car are covered.

Uninsured Auto

If an uninsured driver is negligent, medical costs and physical damages are covered.

Accident Benefits

Regardless of  fault, medical and other expenses you are eligible to receive are paid out.  have entitled to receive are covered.

Optional and Enhanced Auto Insurance Coverages


Protects your vehicle from damage caused by perils like fire, hail or theft (besides collision or upset.)

Collision or Upset

Protects your vehicle from losses such as collision with another vehicle or object. 

All Perils

Combines collision or upset and comprehensive coverage and also includes increased theft coverage. 

Accident Forgiveness

With this protection, provided that you are not charged with a careless, your rates won't increase if you have a partial or 100% at fault accident. 

Rental Car Coverage

Liability for damage to non-owned Automobile(s)  when insured persons rent other automobiles. Contact for further details.

Vehicle Replacement

Coverage for reasonable expenses incurred in
renting a similar substitute automobile or obtaining alternate transportation while
the insured vehicle is out of use as a result of an insured loss.

Depreciation Protection

If eligible, vehicle can qualify for 24 months of replacement cost coverage instead of the depreciated value at the time of loss. 

Family Protection



If the other motorist has
insufficient insurance, additional protection is available for you subject to liability limits and policy agreements. 

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