Pay Less for Your Auto Insurance with Discounts

By Lesley Green
father and son getting sports equipment out of van

How to get auto insurance discounts that will lower your premiums.

Discounts are an easy way to save money on your auto insurance. Whether it’s a discount for bundling your policies with the same insurance provider or for maintaining a clean driving history, discounts can quickly add up to lower premiums.

Top car insurance discounts revealed

Drive down the cost of your auto insurance premiums with these popular discounts:

Driver’s training

Insurance companies know that young drivers who are taught by professionals tend to be better, safer drivers and thus reward these drivers with premiums lower than what they would otherwise pay. Usually, the cost of the driver's training is recouped within the first year of taking the course.

Winter tire discount

Let it snow! If you change your tires seasonally, a winter tire discount will typically save you up to five percent off your premiums.

Good driver discount

It pays to be a safe driver. Drivers without any collisions or traffic tickets on their record could qualify for a good driver discount that could be as much as 5, or even 10 percent.

Group discounts

Your association with a school, employer or union could result in a discount of up to 30 percent. It’s not just your associations that could lower your premiums either, your spouse’s affiliations count too!

Student away at school discount

If your young driver is attending school in another city or province, they won’t be driving your car nearly as much. Their time behind the wheel is limited to holidays, school breaks and the occasional trip home for the weekend. As a result, many insurers offer a discount that could save you up to 50 percent of the premium you’re paying for listing them on your policy.

Multi-line discount

Whether you own or rent, if you insure your property with the same provider that covers your vehicle, you’ll likely save 15 to 20 percent thanks to a multi-line discount.

Multi-vehicle discount

If there’s more than one vehicle in your household, you’ll save in the neighbourhood of 15 to 20 percent if you insure all your automobiles through the same company.

Roadside assistance

Not only does having roadside assistance help you when you’re having car issues, but it also helps you save on your auto insurance. Belonging to a roadside assistance program could help lower your auto insurance premiums by up to 15 percent.

Usage-based insurance discount

Usage-based insurance programs monitor your driving habits to determine how much of a discount you can get on your coverage. For good drivers, that savings could be as much as 25 percent.

Find your best auto insurance price at

Discounts are a great way to pay less for your car insurance coverage but don’t discount the savings available by shopping around. Lower your car insurance premiums even further and compare rates from more than 30 of Canada’s most trusted insurance providers all in one go. On average, last year, shoppers saved $427 after comparing car insurance quotes with us and, in just a few minutes, you could as well. Shop your rate for a better price and see what discounts you can get today with a new provider.