Compare net price, not discount percentage
A larger advertised discount does not guarantee the lowest total premium.
Check both policies
A bundle may alter deductibles, endorsements or coverage options.
Re-shop periodically
The best combined value can change as insurers adjust rates.
Do not sacrifice necessary coverage for a bundle
Coverage comparison should come before discount size.
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.