Auto Insurance Discounts

Discounts for Driving

You have wheels...a car, a truck, a van or even a trailer. Here's how OTIP can help you save money on your auto insurance premium.

Are you over the age of 30?

You may be eligible for an Age Discount.

Are you retired?

You may be eligible for a Retiree Discount.

Do you live close to work?

You may be eligible for a Short Commute Discount.

Are you a student, or does a student with a driver's licence live in your household?

You may be eligible for a Student Discount or Graduated Driver Discount.

Are you claims-free and have you been licenced for over 15 years?

You may be eligible for a Valued Customer Discount.

Is your driving record clean, with no traffic violations in the last three years?

You may be eligible for a Minor Conviction Free Discount.

Do you own multiple vehicles?

You may be eligible for a Multi-Vehicle Discount.

Have you been with OTIP or your immediate prior insurance carrier for three or more years?

You may be eligible for the Loyalty or New Business Loyalty Discount.

Is your vehicle protected with an after-market ignition cut-off system or monitored alarm system?

You may be eligible for the Anti-Theft or Recovery System Discount.

Have you completed a Drive for Life course within the last two years?

You may be eligible for a discount, based on your completion date of the course.

Is your property also insured with OTIP/Traders?

You may be eligible for the Car and Home Discount.

Is your vehicle a Hybrid, meaning it runs on both a gasoline engine and an electric motor?

You may be eligible for the Hybrid Vehicle Discount.

All discounts are subject to underwriting rules; some limitations may apply.

Contact OTIP today!

If you answered "yes" to any of these questions, contact us to discuss your eligibility for a discount on your auto insurance premium.