When it comes to finding the right auto insurance in Canada, discounts can significantly lower your premium rates. Numerous auto insurance companies offer competitive pricing along with various discounts that cater to different driving profiles. Here are some of the top auto insurance companies in Canada that not only provide reliable coverage but also feature substantial discounts:
1. Intact Insurance
Intact Insurance stands out as one of Canada's largest providers. They offer several discounts, including:
- Multi-Policy Discount: Save on your auto insurance when you bundle it with home, renters, or other types of insurance.
- Claims-Free Discount: Eligible drivers who have not made a claim in several years can receive a significant discount.
- Safe Driving Discount: Good drivers who maintain a clean driving record can benefit from lower rates.
2. Aviva
Aviva is known for its customer service and flexible coverage options. It offers various discounts, such as:
- Bundling Discount: Enjoy savings when you combine your auto and home insurance policies.
- Low Mileage Discount: If you drive less than a certain number of kilometers per year, you may be eligible for reduced premiums.
- Defensive Driving Training Discount: Completing an approved defensive driving program could qualify you for discounts.
3. Desjardins Insurance
Desjardins is a popular choice among Canadians, offering customizable insurance products. Some notable discounts include:
- Multi-Line Discount: Get a discount by insuring multiple vehicles or adding home insurance.
- Good Student Discount: Young drivers can save if they maintain good grades at school.
- Age and Experience Discounts: Mature drivers often qualify for lower rates based on their experience and clean records.
4. The Co-operators
The Co-operators is recognized for its community involvement and personalized service. Their discounts include:
- Virtual Driving Assessment Discount: Use a telematics device for potential savings based on your actual driving habits.
- Loyalty Discount: Long-term customers may receive discounts as a reward for their loyalty.
- Pay-Per-Kilometer Discount: If you drive infrequently, this program could help you save significantly.
5. GD Insurance
GD Insurance offers a straightforward approach to auto insurance with competitive discounts. Some of their key offerings include:
- Senior Discounts: Older drivers may benefit from reduced premiums based on their experience.
- Vehicle Safety Features Discount: If your car has certain safety features, you could qualify for a discount.
- Referral Discounts: Recommend GD Insurance to friends or family and receive a discount when they sign up.
Conclusion
Choosing the right auto insurance company in Canada involves considering not just coverage options but also the potential for discounts. It pays to shop around and compare quotes from different providers to find the best deals that suit your needs. Take advantage of available discounts to ensure you get maximum savings while enjoying reliable insurance coverage.
