Save an average of $772* on Ontario car insurance.

How to get the cheapest car insurance in Ontario

Maintaining a conviction-free driving record is, without a doubt, the best way to keep your premiums down, but there are plenty of other ways to save.

1. Compare quotes: Of course, the easiest way to save money is to compare auto insurance quotes on RATESDOTCA. If you're looking to buy a new car, compare quotes for the vehicles you're considering to see which one is the cheapest to insure.
2. Increase your deductible: The deductible is what you must pay out of pocket if you file a claim. The more you agree to pay, the lower your premium will be.
3. Bundle home and auto insurance: If you bundle your home and auto insurance under the same insurance company, you can save 5 to 15% off both policies. This is also called a multi-line discount.
4. Change into winter tires: Ontario roads face some harsh winter conditions. Save 5% on your car insurance by installing winter tires for the season.
5. Know what coverage you need: Review your coverage each year and cancel any add-ons you no longer need. For example, cancelling your collision coverage would make economic sense if you drive an older car and buying a new one would be more cost-effective.
6. Pay annually: If you can pay your premiums annually rather than monthly, you can often save a bit. Some insurance companies offer a discount on the payment of annual premiums upfront.
7. Drive less: The less you drive, the more you save. If you commute to work via car, switching to transit can slash your premiums. If you don't drive as much as you used to, call your insurance company and let them know.
8. Driver's education: Most insurance companies offer discounts for new drivers who complete driver training from a Ministry of Transportation accredited driving school. A defensive driving course can also make you eligible for discounts.
9. Multi-vehicle discounts: Like multi-product discounts, multi-vehicle discount allows you to insure more than one vehicle under the same insurance company to snag a 5 to 15% discount on your premiums.
10. Group discounts; If you are part of a professional association, union, or non-profit association, you may be eligible for group discounts.
11. Safety features: Installing approved anti-theft devices or safety features on your car can lead to discounts. Check device eligibility before you purchase and install it.