Final Tip: Shop Every Renewal to Save $1,102
Rates vary 60% between insurers for the same driver. In Ontario, Belairdirect might quote $2,800 while CAA quotes $1,700.
Do this 30 days before renewal:
- Get quotes from 5 insurers minimum
- Check provincial public insurer first: SGI, MPI, ICBC
- Ask about discounts: bundle, winter tires, low mileage, alumni groups
- Raise deductible to $1,000 if you have emergency fund
Average savings by shopping: $687/year. Maximum we found: $1,102/year.
Start with Saskatchewan drivers: Get Saskatoon SGI rates + 11 discounts here.