{"id":9135,"date":"2016-01-29T06:57:17","date_gmt":"2016-01-29T06:57:17","guid":{"rendered":"https:\/\/301webdemo.com\/oegema\/?p=9135"},"modified":"2026-05-16T10:35:54","modified_gmt":"2026-05-16T10:35:54","slug":"lower-auto-insurance-payments-ontario","status":"publish","type":"post","link":"https:\/\/www.ona.ca\/blog\/lower-auto-insurance-payments-ontario\/","title":{"rendered":"How to Get the Best Value Out of Your Auto Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"9135\" class=\"elementor elementor-9135\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-260ad659 e-flex e-con-boxed e-con e-parent\" data-id=\"260ad659\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-df196c8 elementor-widget elementor-widget-text-editor\" data-id=\"df196c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Are you paying more than you need to for your car insurance? It\u2019s more than an attention-grabbing headline: it\u2019s a question you should ask yourself.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fa23dc elementor-widget elementor-widget-text-editor\" data-id=\"2fa23dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Here are some tips to help you reduce your insurance bill going forward.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4583525 e-con-full e-flex e-con e-child\" data-id=\"4583525\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dac3a97 elementor-widget elementor-widget-heading\" data-id=\"dac3a97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. Make Use of a Broker: <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb96c24 elementor-widget elementor-widget-text-editor\" data-id=\"bb96c24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<article class=\"content blog col-md-8\"><article class=\"blog_posts listing\"><div class=\"cnt-wrapper\"><p class=\"excerpt\">An insurance broker can be your best ally in hunting down an insurance policy that both fits your needs, and won\u2019t break the bank. The difference between an agent and a broker is that an agent generally works for one specific insurance company, while a broker acts on your behalf \u2013 independent specialists that shop around and find their clients the best policies for them. In the auto insurance arena, rates can vary greatly from one insurer to the next, so using a broker is a good way to help level the playing field.<\/p><\/div><\/article><\/article><aside class=\"sidebar col-md-4\"><section class=\"widget-odd widget-last widget-first widget-1 tab-box\"><\/section><\/aside>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a704e78 elementor-widget elementor-widget-heading\" data-id=\"a704e78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. Ask About Combining Home &amp; Auto:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-687cd4e elementor-widget elementor-widget-text-editor\" data-id=\"687cd4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<article class=\"content blog col-md-8\"><article class=\"blog_posts listing\"><div class=\"cnt-wrapper\"><p>\u00a0Insurers want your business\u2026 and if they already have one part of it, they want more of it. Almost all insurers will offer discounted rates if you do multiple insurance policies under them. So if you have home insurance already, ask about your options for insuring your vehicle.<\/p><\/div><\/article><\/article><aside class=\"sidebar col-md-4\"><section class=\"widget-odd widget-last widget-first widget-1 tab-box\"><\/section><\/aside>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-366fbdf elementor-widget elementor-widget-heading\" data-id=\"366fbdf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3. Inquire About a Winter Tire Discount. <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-493c202 elementor-widget elementor-widget-text-editor\" data-id=\"493c202\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<article class=\"content blog col-md-8\"><article class=\"blog_posts listing\"><div class=\"cnt-wrapper\"><p class=\"excerpt\">Did you know that insurers in Ontario are now offering a discount on your insurance for making use of winter tires? It\u2019s true. Check out our recent post for more information on the Ontario winter tire discount.<\/p><\/div><\/article><\/article><aside class=\"sidebar col-md-4\"><section class=\"widget-odd widget-last widget-first widget-1 tab-box\"><\/section><\/aside>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1d5151 elementor-widget elementor-widget-heading\" data-id=\"f1d5151\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4. Claims forgiveness, sometimes called accident forgiveness, may be available to you if you have a good driving record with some insurers. <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-edc9501 elementor-widget elementor-widget-text-editor\" data-id=\"edc9501\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<article class=\"content blog col-md-8\"><article class=\"blog_posts listing\"><div class=\"cnt-wrapper\"><p class=\"excerpt\">What this means is that the first collision or incident you have while driving under your policy, in most cases, will not affect your insurance\u00a0<u><\/u>Claims forgiveness can be a nice buffer to have against higher insurance rates for responsible drivers.<\/p><\/div><\/article><\/article><aside class=\"sidebar col-md-4\"><section class=\"widget-odd widget-last widget-first widget-1 tab-box\"><\/section><\/aside>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66b9ec8 elementor-widget elementor-widget-heading\" data-id=\"66b9ec8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">5. A clean and conviction-free driving record can be your best asset when buying insurance. <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae1ff36 elementor-widget elementor-widget-text-editor\" data-id=\"ae1ff36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<article class=\"content blog col-md-8\"><article class=\"blog_posts listing\"><div class=\"cnt-wrapper\"><p class=\"excerpt\">The top factor that will determine your rate is the history of accidents and convictions on your record. Build up a good driving history, and you\u2019ll see it pay off big time over the long run, in the form of lower premiums.<\/p><\/div><\/article><\/article><aside class=\"sidebar col-md-4\"><section class=\"widget-odd widget-last widget-first widget-1 tab-box\"><\/section><\/aside>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-597ce38 elementor-widget elementor-widget-heading\" data-id=\"597ce38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">6. Never Be Afraid to Ask Questions or Clarify. <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a317d28 elementor-widget elementor-widget-text-editor\" data-id=\"a317d28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<article class=\"content blog col-md-8\"><article class=\"blog_posts listing\"><div class=\"cnt-wrapper\"><p class=\"excerpt\">If you\u2019re not clear on what your policy entails, it\u2019s better to check with your insurance company. When it comes to your insurance, there are no silly questions!<\/p><\/div><\/article><\/article><aside class=\"sidebar col-md-4\"><section class=\"widget-odd widget-last widget-first widget-1 tab-box\"><\/section><\/aside>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ab5221 elementor-widget elementor-widget-text-editor\" data-id=\"7ab5221\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<article class=\"content blog col-md-8\"><article class=\"blog_posts listing\"><div class=\"cnt-wrapper\"><p class=\"excerpt\">Other discounts may apply for:<\/p><\/div><\/article><\/article><aside class=\"sidebar col-md-4\"><section class=\"widget-odd widget-last widget-first widget-1 tab-box\"><\/section><\/aside>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d67657 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1d67657\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Multiple vehicles: insure more than one vehicle with the same insurer for a discount on each.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Your age and experience behind the wheel can play a big factor in your insurance rates.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Low mileage or short commute.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Increasing your deductible.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17fb8af elementor-widget elementor-widget-heading\" data-id=\"17fb8af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Lower Your Auto Insurance Payments for 2016.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea8e088 elementor-widget elementor-widget-text-editor\" data-id=\"ea8e088\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<article class=\"content blog col-md-8\"><article class=\"blog_posts listing\"><div class=\"cnt-wrapper\"><p class=\"excerpt\">Speak to your local ONA insurance broker about your\u00a0<a href=\"https:\/\/www.ona.ca\/car-insurance-ottawa\/\">car insurance<\/a>\u00a0options, or start the process right away and\u00a0<a href=\"https:\/\/webrater.appliedsystems.com\/WR\/Default.aspx?GC=OEGE&amp;LOB=AUTO&amp;LANG=EN\" target=\"_blank\" rel=\"noopener\">get an auto insurance quote online today.<\/a>\u00a0\u00a0 Thanks for reading, The ONA Team.<\/p><\/div><\/article><\/article><aside class=\"sidebar col-md-4\"><section class=\"widget-odd widget-last widget-first widget-1 tab-box\"><\/section><\/aside>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Are you paying more than you need to for your car insurance? It\u2019s more than an attention-grabbing headline: it\u2019s a question you should ask yourself.<\/p>\n","protected":false},"author":4,"featured_media":9136,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30],"tags":[],"class_list":["post-9135","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-advice"],"_links":{"self":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts\/9135","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/comments?post=9135"}],"version-history":[{"count":16,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts\/9135\/revisions"}],"predecessor-version":[{"id":18090,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts\/9135\/revisions\/18090"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/media\/9136"}],"wp:attachment":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/media?parent=9135"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/categories?post=9135"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/tags?post=9135"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}