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Car Insurance Discounts Ontario

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Options for Auto & Car Insurance Discounts in Ontario

As an Ontario Insurance brokerage, it’s our job to ensure we find the best Ontario car insurance solution for you. We use our strong industry knowledge and expertise to help create value for our clients, getting them the insurance they need for the price they can afford. At McDougall Insurance, one of the ways we unlock value for our clients is through our extensive knowledge of all the car insurance discounts available. Different companies offer different car insurance discounts and it’s our promise to you to find all possible discounts to ensure your wallet is lighter and you’re getting more bang for your buck.

Benefits of Car Insurance Discounts:

  • Cost Savings: Discounts reduce insurance premiums, leading to significant financial savings for policyholders.
  • Encouragement of Safe Driving: Discounts incentivize safe driving behaviors such as completing defensive driving courses or maintaining a clean driving record.
  • Risk Management: Discounts may be offered for proactive risk management practices like installing anti-theft devices or taking measures to reduce the likelihood of accidents.
  • Safer Roads: By promoting safe driving habits, discounts contribute to safer roads and lower accident rates, benefitting both policyholders and society.
  • Customer Satisfaction: Tailored discounts demonstrate insurers’ commitment to providing value and support, enhancing customer satisfaction and loyalty.
  • Positive Relationships: Discount offerings foster positive relationships between insurers and policyholders, leading to long-term retention and referrals.

List of Car Insurance Discounts

In Ontario, the government regulates that individuals must carry the following coverage:

  • Multi-policy Discount – If you combine your home and auto insurance most companies will offer you a discount.
  • Multi-vehicle Discount – Most companies offer a discount if you insure more than one vehicle.
  • Short Commute Discount – Having a short commute to work or no commute can get you a discount off your automobile insurance.
  • Deducible Discount – Choosing a higher deductible could reduce your premiums. Increasing your deductible means you’ll pay more upfront in the event of a claim and so this decision should not be made lightly.
  • Away at School Discount – If your son or daughter attends college or university you can qualify for a discount off their occasional-driver premium.
  • Maturity Discount – Based on your age you may be eligible for a discount off your car insurance.
  • Conviction Free Discount – If you carry no driving convictions you qualify for a discount from your insurer.
  • Telematics Discount – By using a GPS in the car your driving habits can be monitored for an immediate discount (10%), with the opportunity for a very large additional discount of up to 25% based on your driving. To learn more about telematics and how it works you can visit our blog.
  • Experience Discount – Based on the number of years you’ve been driving you may be eligible for a discount.

What Our Customers Are Saying

Peggy Walsh

Mike Cunha has been my “insurance guy” for the past couple of years and has been an absolute pleasure to deal with. Mike has quoted me on auto insurance, our home, and on our trailer insurance. In all cases, Mike’s quotes beat every other received. I would strongly recommend giving Mike Cunha at McDougall a call to see the packages and pricing he can offer – I am confident you will find that his combination of pricing and service cannot be beat.

Mary Vanderpas

We had a very positive experience when we met with Dean Coulter. Once all the preliminary reviews were completed Dean went through a very detailed analysis of our insurable items and went to work to find the best rates that would meet our requirements. After presenting the breakdown we were amazed that would be saving hundreds of dollars against our prior company who we had been with for over 25 years. We asked our son to get his insurance evaluated and again saved literally hundreds of dollars a year in costs. There is no question that Dean and the McDougall Insurance group spend the time and resources to get their clients the best rates. We recommended that you take the time to call and have your insurance evaluated by Dean and his team. You will not be disappointed.

Brooke L

Our experience with McDougall/ Brister Insurance Morrisburg has always been very positive. They have knowledgeable and pleasant staff who go the extra mile. Have always had professional and timely responses to any questions that we have had. Would recommend.

Whitney B

I have been with Scott Ferrier from McDougall Insurance for over 8 years and I could not be more happy with the service I have received! I am challenging client, in that I leave everything until the last minute, but Scott is always available and ready to make things happen! My husband finally switched over to McDougall as well for his car insurance, and Scott was able to save him over $300 a month!!! Needless to say I would recommend anyone checking out McDougall Insurance.

Greg Elliott

Excellent service, friendly, knowledgable staff! Very responsive to inquiries and requests. I would definitely recommend McDougall insurance to friends and family!

Raewen Pappas

We have experienced nothing but superior service from our Account Executive, Scott Ferrier. He responds to our questions quickly and presents all the important and pertinent information. This allows us to make our informed choices quickly and easily.The prices are definitely fair. What I like the most is that Scott truly cares about us, his clients. I would recommend McDougall Insurance in Arnprior to my family in friends in a heartbeat.

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