How can I lower my car insurance price?

There are a few options you can consider to reduce your premium: Consider your deductible. Increasing your deductible may help reduce your overall premium, but remember that this can increase your out of pocket cost in the event you need to submit a claim. Make sure that you choose the right deductible for you. Review your coverages to ensure that the options you’ve included in your policy are best suited for your lifestyle. Get your home and auto insurance from Onlia Insurance (by bundling you could save up to 50% off your property insurance in the first year and 15% off your auto insurance) Stay safe and maintain a clean driving record. A great overall driving record can lead to a better rate.

I found a cheaper quote elsewhere. Is there anything you can do?

Unfortunately, we cannot provide a cheaper quote or price match with another insurance company. Car insurance is strictly regulated in Ontario; each insurer is required to file the rates they charge with the Financial Services Regulatory Authority of Ontario (FSRA). This means there can be no deviation in price unless this governing body approves.

Is tax included in my auto insurance price?

No tax is applied to car insurance.

What discounts can I get on car insurance?

Here are some of the car insurance discounts available for Onlia customers, and how to qualify. Contact us for more information! Multi-Vehicle: Have two or more vehicles under the same account. Car & Home Bundle: Insure your car and home under the same account. Claims-Free: The longer you've been driving without an at-fault claim, the higher your discount. The minimum number of claims-free years that would receive a discount is 6 years. Conviction-Free: Have no convictions (i.e. tickets) on record within the last 3 years. Winter Tire: Have winter tires installed on all 4 wheels of your vehicle, between November 15 and March 31. Tires must meet the winter tire designation of Transport Canada.

How do discounts work?

Our online customer journey will automatically provide you with all of the applicable discounts and savings. The discounts and premium shown are based on your answers, your assets and your levels of coverage. Doesn’t control feel great?

Your Auto Insurance Premium

There are a few options you can consider to reduce your premium:
- Consider your deductible. Increasing your deductible may help reduce your overall premium, but remember that this can increase your out of pocket cost in the event you need to submit a claim. Make sure that you choose the right deductible for you.
- Review your coverages to ensure that the options you’ve included in your policy are best suited for your lifestyle.
- Get your home and auto insurance from Onlia Insurance (by bundling you could save up to 50% off your property insurance in the first year and 15% off your auto insurance)
- Stay safe and maintain a clean driving record. A great overall driving record can lead to a better rate.
Unfortunately, we cannot provide a cheaper quote or price match with another insurance company. Car insurance is strictly regulated in Ontario; each insurer is required to file the rates they charge with the Financial Services Regulatory Authority of Ontario (FSRA). This means there can be no deviation in price unless this governing body approves.
No tax is applied to car insurance.

Here are some of the car insurance discounts available for Onlia customers, and how to qualify. Contact us for more information!
Multi-Vehicle: Have two or more vehicles under the same account.
Car & Home Bundle: Insure your car and home under the same account.
Claims-Free: The longer you've been driving without an at-fault claim, the higher your discount. The minimum number of claims-free years that would receive a discount is 6 years.
Conviction-Free: Have no convictions (i.e. tickets) on record within the last 3 years.
Winter Tire: Have winter tires installed on all 4 wheels of your vehicle, between November 15 and March 31. Tires must meet the winter tire designation of Transport Canada.
Our online customer journey will automatically provide you with all of the applicable discounts and savings. The discounts and premium shown are based on your answers, your assets and your levels of coverage. Doesn’t control feel great?