{"id":9276,"date":"2026-04-23T14:44:25","date_gmt":"2026-04-23T18:44:25","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/2021\/05\/31\/seven-ways-to-save-money-on-car-insurance\/"},"modified":"2026-04-23T14:44:27","modified_gmt":"2026-04-23T18:44:27","slug":"how-to-save-money-on-car-insurance","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-to-save-money-on-car-insurance","title":{"rendered":"How to Save Money on Car Insurance in Canada"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">How to Save Money on Car Insurance in Canada<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2026-04-23T14:44:25-04:00\">April 23, 2026<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">11 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Tammy-Burns.webp?quality=80&w=1024\" alt=\"Tammy Burns\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Tammy Burns<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\">Insurance Writer<\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/How-to-save-money-on-car-insurance.webp?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"how to save money on car insurance\" style=\"object-fit:cover;\" 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class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=How to Save Money on Car Insurance in Canada &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-to-save-money-on-car-insurance\" aria-label=\"Email\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-to-save-money-on-car-insurance\" aria-label=\"Copy URL\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">1. Maintain a clean driving record<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-1-maintain-a-clean-driving-record\">1. Maintain a clean driving record<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-2-seasonal-and-safety-discounts\">2. Seasonal and safety discounts<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-3-bundle-your-home-and-auto-insurance-policies\">3. Bundle your home and auto insurance policies<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-4-group-memberships-and-employer-discounts\">4. Group memberships and employer discounts<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-5-new-driver-and-student-discounts\">5. New driver and student discounts<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-6-adjusting-your-deductible\">6. Adjusting your deductible<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-7-reassessing-coverage-for-older-vehicles\">7. Reassessing coverage for older vehicles<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-8-consider-accident-forgiveness-coverage\">8. Consider accident forgiveness coverage<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-9-improve-and-maintain-your-credit-score-where-applicable\">9. Improve and maintain your credit score (where applicable)<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-10-choose-a-new-vehicle-wisely\">10. Choose a new vehicle wisely<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-11-review-your-policy-annually\">11. Review your policy annually<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-12-use-a-driving-app\">12. Use a driving app<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-13-compare-car-insurance-quotes-when-renewing\">13. Compare car insurance quotes when renewing<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-save-money-on-car-insurance-with-rbc-insurance\">Save money on car insurance with RBC Insurance<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>Every car owner in Canada needs car insurance, but no one wants to be stuck with a policy that breaks their budget. Thankfully, there are practical ways to save on car insurance without sacrificing the coverage you need.<\/p>\n\n\n\n<p>Some strategies offer quick savings, like installing winter tires. Others pay off over time, like maintaining a clean driving record.<\/p>\n\n\n\n<p>The best place to start is by reviewing your current policy and asking your insurance provider what discounts or adjustments are available to you. Even small changes to your <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/\" data-dig-id=\"LP-CarInsurance-36576-f850ce07\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"car insurance\" class=\"rbc-link-format\">car insurance<\/a> can add up to significant savings.<\/p>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article\">\n<h3 class=\"wp-block-heading calloutCard__article__heading\" id=\"h-key-takeaways\">Key takeaways<\/h3>\n\n\n\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Maintain a clean driving record to help keep your premiums lower.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Take advantage of discounts for winter tires, defensive driving courses, anti-theft devices, and low mileage.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Bundle your home and auto insurance to unlock multi-policy savings.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Choose a higher deductible to reduce your monthly premium but make sure you can comfortably cover that amount if you need to file a claim.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Check for eligibility-based discounts through your employer, associations, or post-secondary institution.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading\" id=\"h-1-maintain-a-clean-driving-record\">1. Maintain a clean driving record<\/h2>\n\n\n\n<p>Your driving record is one of the biggest factors affecting your insurance premium. It includes your licence class, years of driving experience, traffic violation convictions, and claims history.<\/p>\n\n\n\n<p>Insurers use this information to assess your risk profile. If you have multiple traffic violations convictions \u2014 such as speeding tickets, distracted driving, failing to yield, or impaired driving \u2014 you\u2019ll likely be seen as a higher risk. And higher risk usually means higher premiums.<\/p>\n\n\n\n<p>Thankfully, parking tickets don\u2019t affect your insurance rates &nbsp;\u2014 but avoiding them will help to keep more money in your wallet and mean you can easily renew your licence plate when time comes.<\/p>\n\n\n\n<p>Overall, safe driving is one of the most effective ways to save on car insurance \u2014 and protect yourself and others on the road.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-seasonal-and-safety-discounts\">2. Seasonal and safety discounts<\/h2>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Insurers often offer discounts for actions and features that reduce your risk of accidents or claims. Here are some simple strategies that can lead to savings:<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Installing winter tires.<\/strong> Snow tires perform better in winter weather conditions, helping to minimize your risk of an accident. In Ontario, it\u2019s mandatory for insurers to offer you a discount for <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/all-season-tires-or-winter-tires-understanding-the-differences\/\" data-dig-id=\"LP-CarInsurance-36576-6e877f2e\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"putting winter tires on your vehicle\" class=\"rbc-link-format\">putting winter tires on your vehicle<\/a>. While other provinces and territories don\u2019t mandate this discount, many still offer it.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Taking a defensive driving course. <\/strong>Both new and experienced drivers may qualify for a car insurance discount for completing an approved defensive driving course. But keep in mind the savings may be smaller if you\u2019re an experienced driver with an already low rate.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Having an anti-theft device. <\/strong>With roughly $1 billion worth of vehicles stolen every year in Canada, installing anti-theft devices \u2014 like an ignition kill switch or a wireless tracking system \u2014 can <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/tips-for-preventing-car-theft-in-canada\/\" data-dig-id=\"LP-CarInsurance-36576-ef9f627a\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"protect your car\" class=\"rbc-link-format\">protect your car<\/a> and help reduce your premium.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Drive less.<\/strong> If you only use your vehicle occasionally, lower mileage leads to lower premiums, compared to a driver who uses their car to commute daily.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-bundle-your-home-and-auto-insurance-policies\">3. Bundle your home and auto insurance policies<\/h2>\n\n\n\n<p>Bundling means combining multiple types of insurance \u2014 such as home and auto \u2014 under one provider. Doing this is not only convenient, since you can access multiple policies in one place, but it often comes with a discount.<\/p>\n\n\n\n<p>With RBC Insurance, for example, when you <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/home-and-auto-insurance-savings\/\" data-dig-id=\"LP-CarInsurance-36576-885d108d\" data-dig-label=\"bundle the insurance for your primary residence and your car\" data-dig-action=\"link click\" data-dig-category=\"LP-CarInsurance\" class=\"rbc-link-format\">bundle the insurance for your primary residence and your car<\/a>, you could save up to&nbsp;15 per cent&nbsp;on your premiums, depending on your insurance profile and province.<\/p>\n\n\n\n<p>You may also qualify for savings by insuring multiple vehicles with the same provider. Each vehicle would still have its own coverage, customized to its value, but together they may be eligible for a multi-vehicle discount \u2014 especially helpful for households with more than one driver.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-group-memberships-and-employer-discounts\">4. Group memberships and employer discounts<\/h2>\n\n\n\n<p>You may qualify for a car insurance discount through your workplace or if you\u2019re a member of a specific organization. Common eligible affiliations include:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Professional associations<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Labour unions<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>College or university alumni associations<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Employer group benefit plans<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>If you belong to any of these, ask your insurance advisor what group discounts might be available to you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-new-driver-and-student-discounts\">5. New driver and student discounts<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/understanding-car-insurance-for-new-drivers\/\" data-dig-id=\"LP-CarInsurance-36576-3ec2daf2\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Newly licensed drivers\" class=\"rbc-link-format\">Newly licensed drivers<\/a> may qualify for savings as they move from a beginner\u2019s licence class to a higher licence level \u2014 such as graduating from a G2 to a full G licence in Ontario.<\/p>\n\n\n\n<p>Completing a Certified Driver Training course through a provincial Government-approved driving school can also help reduce your premiums, since it indicates you are trained to drive safely.<\/p>\n\n\n\n<p>Students may be eligible for discounts as well. Some insurers offer lower rates for full-time students who can provide proof of strong academic performance.<\/p>\n\n\n\n<p>Also, let your insurer know if any listed drivers on your policy \u2014 like your kids \u2014 are away at school. Since they won\u2019t be using the car as much, you should be able to save on your premiums.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-6-adjusting-your-deductible\">6. Adjusting your deductible<\/h2>\n\n\n\n<p>Your deductible is the amount you pay when you make a claim. For example, if you\u2019re in an at-fault accident with $2,000 worth of damage to your car, and your collision deductible is $500, you would pay the first $500 and your insurance would cover the remaining $1,500.<\/p>\n\n\n\n<p>A lower deductible means less upfront cost if something happens \u2014 but it usually comes with higher premiums. On the flip side, choosing a higher deductible can lower your monthly premium.<\/p>\n\n\n\n<p>The key is balance. <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-to-calculate-car-insurance-premium\/\" data-dig-id=\"LP-CarInsurance-36576-28cefb00\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Calculate the potential monthly savings on your premium\" class=\"rbc-link-format\">Calculate the potential monthly savings on your premium<\/a> versus the potential claims cost. If you\u2019re comfortable covering a higher out-of-pocket cost, increasing your deductible can be an easy way to save.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-7-reassessing-coverage-for-older-vehicles\">7. Reassessing coverage for older vehicles<\/h2>\n\n\n\n<p>As your car ages, its value typically drops \u2014 so keeping the same level of coverage may no longer make financial sense. In some cases, repair costs can exceed what your car is worth, or it may be more practical to pay out of pocket for repairs than file a claim.<\/p>\n\n\n\n<p>Take a close look at your vehicle\u2019s current value, estimated repair costs, and potential payout. If your coverage costs more than what you\u2019d receive in a claim, it may be time to reconsider.<\/p>\n\n\n\n<p>Two optional coverages to review are collision (for repairing or replacing your car after an accident) and comprehensive (for non-collision events like vandalism or theft). If your car no longer has much value, these add-ons may not be cost-effective.<\/p>\n\n\n\n<p>Remember: this isn\u2019t about dropping coverage you genuinely need \u2014 it\u2019s about making sure your policy still fits your vehicle\u2019s value.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-8-consider-accident-forgiveness-coverage\">8. Consider accident forgiveness coverage<\/h2>\n\n\n\n<p>Mistakes happen \u2014 it is, after all, called an \u201caccident\u201d for a reason. But even so, your car insurance premiums will usually go up if you\u2019re at fault.<\/p>\n\n\n\n<p>Accident forgiveness coverage, also known as accident rating waiver coverage, helps protect your driving record rating after your first eligible at-fault accident. The catch? You need to add it to your policy <em>before <\/em>anything happens \u2014 you can\u2019t apply it retroactively.<\/p>\n\n\n\n<p>As well, it only covers your first eligible at-fault accident. Any additional at-fault claims will likely affect your insurance premiums, coverage, or both.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-9-improve-and-maintain-your-credit-score-where-applicable\">9. Improve and maintain your credit score (where applicable)<\/h2>\n\n\n\n<p>Some insurers consider your credit score when determining premiums, with better scores often leading to lower rates.<\/p>\n\n\n\n<p>That said, this isn\u2019t universal. In some provinces \u2014 Ontario and Newfoundland and Labrador \u2014 insurers aren\u2019t allowed to use credit scores for auto insurance. Still, depending on your insurer and where you live, it may be an available option.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-10-choose-a-new-vehicle-wisely\">10. Choose a new vehicle wisely<\/h2>\n\n\n\n<p>Before you buy or lease a vehicle, <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/guide-to-car-insurance-for-families\/\" data-dig-id=\"LP-CarInsurance-36576-cfb7b129\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"get insurance quotes\" class=\"rbc-link-format\">get insurance quotes<\/a> for the models you\u2019re eyeing. The year, make, and model may play into your premium.<\/p>\n\n\n\n<p>Some vehicles are more expensive to insure due to higher theft rates, , or pricier repairs. Because of these risks, insurance companies typically charge more to insure them.<\/p>\n\n\n\n<p>Checking rates in advance can help you avoid surprises \u2014 and potentially save money over the life of your vehicle.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-11-review-your-policy-annually\">11. Review your policy annually<\/h2>\n\n\n\n<p>Review your policy every year to ensure that all your information is accurate and up to date.<\/p>\n\n\n\n<p>Maybe you\u2019ve moved to a new neighbourhood and aren\u2019t commuting as far. Or maybe you now have a spouse to add to your policy or your child has moved away and is no longer driving your car. These are all things that can impact the cost of your insurance.<\/p>\n\n\n\n<p>It\u2019s also a good time to check for new discounts. An RBC Insurance advisor can help you with your review and identify possible savings.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-12-use-a-driving-app\">12. Use a driving app<\/h2>\n\n\n\n<p>Being a safe driver can help lower your premiums, but how do you prove you\u2019re responsible behind the wheel? With a driving app, such as Aviva <a href=\"https:\/\/www.aviva.ca\/en\/journey\/\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-36576-c0b42184\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Journey\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Journey<\/a>. Available in Ontario and Quebec, Aviva Journey is a usage-based insurance program that enables you to obtain a personalized premium which can decrease (or increase) based on your driving habits.<\/p>\n\n\n\n<p>Rather than having to install something in your vehicle, the app uses sensors on your smartphone to track and assess your driving habits. Just by having your phone with you while driving, the app can detect things like:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Whether you consistently drive within the posted speed limits.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>If you accelerate, brake, and corner smoothly and with control.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>If you\u2019re focused on the road and not actively using your smartphone while in the car.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>If the data indicates you\u2019re a low-risk driver, you may qualify for a higher discount.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-13-compare-car-insurance-quotes-when-renewing\">13. Compare car insurance quotes when renewing<\/h2>\n\n\n\n<p>Every year is a chance to review your premiums \u2014 don\u2019t just automatically renew. Check if your policy is still accurate for your current situation or if there are any new discounts or plans available.<\/p>\n\n\n\n<p>Also, don\u2019t be afraid to shop around. Get quotes from multiple insurance providers, but don\u2019t focus on price alone. Compare coverage levels too \u2014 you want real value, not just the lowest number.<\/p>\n\n\n\n<p>Many insurers, including RBC Insurance, let you quickly <a href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=E4AMMB&amp;Lang=EN\" data-dig-id=\"LP-CarInsurance-36576-45f20251\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"get a quote online\" class=\"rbc-link-format\">get a quote online<\/a> (excluding Alberta).<\/p>\n<\/div>\n<\/section>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-save-money-on-car-insurance-with-rbc-insurance\">Save money on car insurance with RBC Insurance<\/h2>\n\n\n\n<p>There\u2019s a lot to consider when you\u2019re shopping around for car insurance or reviewing your existing policy. <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/auto-insurance\/index.html\" data-dig-id=\"LP-CarInsurance-36576-9a1bf8ac\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Working with an RBC Insurance advisor\" class=\"rbc-link-format\">Working with an RBC Insurance advisor<\/a> can help you make sense of the many options out there.<\/p>\n\n\n\n<p>They can offer tailored recommendations for your circumstances, since they have expert knowledge of available discounts and coverage options. They can also review your policy with you, to make sure you\u2019re not overpaying. And if you ever need to file a claim, they can support you through the process.<\/p>\n\n\n\n<p>Bottom line: the right advice can save you money \u2014 and a lot of guesswork.<\/p>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel has-fff-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b-hlf mob-mar-b-hlf mob-pad-t-hlf\" id=\"h-get-your-free-car-insurance-quote\">Get Your Free Car Insurance Quote<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-lg-font-size\">Take a few minutes to get a competitive auto insurance quote online<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn before is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=BLOG_A13&amp;Lang=FR\" data-dig-id=\"LP-11882-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Start my Quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=BLOG_A13&amp;Lang=FR \">Start my Quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center  mar-t-hlf\"><a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-auto\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-Assuranceauto-7536-eb5cbf80\" data-dig-label=\"Learn More\" data-dig-action=\"link click\" data-dig-category=\"LP-Assuranceauto\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\"><\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-faqs faqs\">\n<h3 class=\"wp-block-heading calloutCard__article__heading\" id=\"h-frequently-asked-questions-faqs-about-saving-money-on-car-insurance\">Frequently asked questions (FAQs) about saving money on car insurance<\/h3>\n\n\n\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-how-can-i-lower-my-car-insurance-in-ontario\">How can I lower my car insurance in Ontario?<\/h4>\n\n\n\n<p>In Ontario and any other Canadian province, you can typically lower your car insurance premiums by keeping a clean driving record, increasing your deductible, bundling multiple policies (such as home and auto), and asking your insurer about any available discounts. Review your policy every year to make sure you\u2019re not missing out on savings opportunities.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-does-bundling-home-and-auto-insurance-really-save-money\">Does bundling home and auto insurance really save money?<\/h4>\n\n\n\n<p>Yes. Insurers often offer discounts for bundling policies. With RBC Insurance, for example, you could save up to 15 per cent by <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/home-and-auto-insurance-savings\/\" data-dig-id=\"LP-CarInsurance-36576-63cf363e\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"bundling your home and auto coverage\" class=\"rbc-link-format\">bundling your home and auto coverage<\/a>, depending on your profile and province.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-what-is-the-biggest-factor-affecting-my-car-insurance-rates\">What is the biggest factor affecting my car insurance rates?<\/h4>\n\n\n\n<p>One of the biggest factors affecting your car insurance rates is your driving history or lack thereof \u2013 if you\u2019re a new driver. Having lots of traffic violation convictions on your record or not having a driving record at all if you are a new driver indicates that you\u2019re a riskier or more inexperienced driver, and therefore, could be more likely to have an accident. Other key factors include your age, where you live, the type of vehicle you drive, and how much your deductible is.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-will-my-car-insurance-go-down-when-i-turn-25\">Will my car insurance go down when I turn 25?<\/h4>\n\n\n\n<p>It can \u2014 but not automatically. While your age can affect your car insurance premium, it\u2019s only one factor. Under 25 is considered a young driver, which can typically mean higher rates.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Once you turn 25, your age will likely be considered the next time you renew your policy. Turning 25 may lower your risk profile, but your driving record, vehicle, location, and usage still play a major role.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-how-much-can-i-save-by-increasing-my-deductible\">How much can I save by increasing my deductible?<\/h4>\n\n\n\n<p>The amount of money you could save varies depending on your province or territory. Generally, the higher your deductible, the lower your premium. Just make sure you can afford the higher out-of-pocket cost if you need to make a claim.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\"><\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-HomeInsurance-14506-2de7ba0a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>There\u2019s a lot to consider when you\u2019re shopping around for car insurance. Here\u2019s 13 smart ways that Canadians can save on their car insurance premium.<\/p>\n","protected":false},"author":203,"featured_media":36581,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[49],"tags":[20],"article-type":[80],"ppma_author":[187],"class_list":["post-9276","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance","tag-car-insurance","article-type-advice-learning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to Save Money on Car Insurance in Canada<\/title>\n<meta name=\"description\" content=\"There\u2019s a lot to consider when you\u2019re shopping around for car insurance. Here\u2019s 13 smart ways that Canadians can save on their car insurance premium.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-to-save-money-on-car-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Seven Ways to Save Money on Car Insurance\" \/>\n<meta property=\"og:description\" content=\"We all want to pay less for car insurance. 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