Saving on auto insurance

How to Save on Car Insurance

Bertie & Clinton Mutual Insurance Company is a mutual insurance company, meaning we provide insurance coverage to you directly, and that means you, as a policy holder, may be eligible to receive refunds from surplus at the end of our fiscal year. This is only one of the many ways you can save on your automobile insurance.

In Ontario, it’s the law that vehicle owners, lessees, and drivers carry valid car insurance, but what you pay depends on a vast array of variables. According to the Financial Services Commission of Ontario (FSCO) “the price you pay for auto insurance varies based on the insurance company you select” as well as on “your insurer’s claims experience for your risk characteristics, how it rates you as a driver, and the competition it faces.” While there is minimum coverage in Ontario, a standard auto insurance policy should include Third-Party Liability Coverage, Statutory Accident Benefits Coverage, Direct Compensation – Property Damage (DC-PD) Coverage and Uninsured Automobile Coverage.


At Bertie & Clinton Mutual Insurance Company, we want you to have the coverage you need and offer these tips for saving on your insurance premiums. Knowing what coverage you need is the first step to ensure you don’t pay for coverage you don’t need. Other cost savings options include:
  • Increased Deductibles - raising deductibles means you’ll contribute more toward the loss if you have an accident, but it can mean a lower insurance premium
  • Defensive Driving Courses - some insurers provide discounts for new drivers who have taken these courses. At Bertie & Clinton, new G and G2 licensed drivers, with a clean driving record, can receive this discount 
  • Driving History - a good driving history free of accidents and convictions means driving carefully and obeying the rules of the road, wearing your seat belt, don’t use your cell phone while driving, and don’t drink and drive
  • Vehicle Type - choose the type of vehicle you drive wisely and ensure it has good security features
  • Make sure you always pay your premium on time, tell your broker, agent, or insurance company about any changes to your policy, and don’t switch your insurance company midway through the year 
Another important decision is to ask about discounts. Insurers offer a wide variety of discounts that can help you save money on your policy including discounts for:
  • Driver training and graduated licensing
  • Mature drivers with good driving records over the age of fifty (or older) and retirees
  • Multi-policy or multi-vehicles 
  • Renewals 
Group discount or group rates are also available - including employees of the same employer, members of a union or professional or occupational association, or certain non-profit associations - if you belong to an eligible group, check to see if it offers group rates.

Whatever your circumstances, talk to your Bertie & Clinton insurance representative and ask for advice. At Bertie & Clinton, we’re dedicated to providing personal services and quality insurance to our community. If you have questions about our wide range of insurance coverage options, contact us in Welland at 905-735-1234 or toll free at 1-800-263-0494 today.
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