Top 7 Winter Driving Insurance Tips Every Ontario Driver Should Know
Winter in Ontario isn’t just about cozy sweaters and hot chocolate—it also means icy roads, reduced visibility, and slippery conditions.
Here are the top seven winter driving insurance tips every Ontario driver should know.
1. Review Your Auto Insurance Policy Before the First Snowfall
Before cold weather hits, revisit your auto policy. Make sure you have comprehensive coverage that includes protection from ice damage, fallen branches, or minor collisions. Double-check your deductibles and liability limits to avoid surprises later. Contact your local broker for a free policy review—it's one of the easiest ways to avoid claim issues later.
2. Consider Adding Accident Forgiveness
Winter roads in Toronto and Mississauga can be unpredictable. Adding accident forgiveness could prevent your insurance premiums from skyrocketing after your first at-fault accident. It’s an affordable add-on with significant long-term benefits.
3. Switch to Winter Tires (and Tell Your Insurer)
Winter tires don’t just save lives—they can save you money. Most Ontario insurers, including those serving Mississauga and Toronto, offer 5–10% discounts on auto insurance for vehicles equipped with certified winter tires. Keep your receipt as proof for your insurance provider.
4. Drive with Caution and Maintain a Safe Distance
Defensive driving is key during Ontario’s icy conditions. Reduce speed, increase braking distance, and avoid sudden lane changes. Remember, safe driving helps maintain a clean driving record, which directly impacts your insurance rates.
5. Prepare an Emergency Kit
Include essentials like blankets, flashlights, extra windshield washer fluid, and non-perishable snacks. If your car gets stranded during a snowstorm around Mississauga or Toronto, these supplies can make a difference—and show insurers you’re a proactive driver.
6. Report Minor Accidents Properly
Even small fender benders should be reported to your insurance broker or the Collision Reporting Centre (locations can be found at torontopolice.on.ca or mississaugacrimestoppers.ca). Proper documentation ensures your claim is handled smoothly.
7. Bundle and Save on Insurance
If you live in Mississauga or Toronto, bundling your home and auto insurance can offer valuable savings—sometimes up to 15% off.
Frequently Asked Questions About Winter Auto Insurance in Ontario
1. Do Ontario insurers require winter tires?
Not mandatory, but strongly encouraged—plus, they qualify you for a winter tire discount.
2. Will my premiums increase if I make a winter accident claim?
Possibly, unless you have accident forgiveness or your broker advises otherwise.
3. What type of coverage protects against ice or snow damage?
Comprehensive coverage protects against damage caused by storms, falling ice, or debris.
4. Does location affect winter insurance rates?
Yes. Drivers in Mississauga and Toronto may have higher rates due to denser traffic and greater collision risk.