Winter tires
All Ontario auto insurers must offer a winter-tire discount; qualification details vary.
Multi-policy and multi-vehicle
Some insurers discount customers who insure home and auto or multiple vehicles together.
Driver training and graduated licensing
Recognized training and clean progression through licensing can affect rates for newer drivers.
Group, retiree and mature-driver programs
Eligibility and amounts vary by insurer.
Ask every renewal
Discounts and rating programs change, so old assumptions can leave savings unclaimed.
Ontario-specific educational summary. Your actual rights and coverage come from the Insurance Act, regulations, the current Ontario Automobile Policy (OAP 1), your certificate, endorsements and the facts of the claim. Do not change coverage based only on a general web article.