Auto Insurance Discounts


If you meet any of the following criteria, please contact us to discuss your eligibility for a discount on your auto insurance premium.

You may be eligible for a discount if:

  • You’re over the age of 30.
  • You live close to work.
  • You have a short commute.
  • You’re a student or a student with a driver's licence lives in your household and attends school away from home.
  • You’re retired.
  • Your property is also insured with OTIP/Traders.
  • You own multiple vehicles.
  • You’ve been with OTIP or your immediate prior insurance carrier for three or more years.
  • You’re claims-free and have been licenced for over 15 years.
  • You have a clean driving record, with no traffic violations in the last three years.
  • You completed a Drive for Life course within the last two years.
  • Your vehicle is protected with an after-market ignition cut-off system or monitored alarm system.
  • You drive a hybrid, meaning it runs on both a gasoline engine and an electric motor.

There are no maximums to the discounts offered.

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

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