Free Tool

Ontario Car Insurance Help — $5 Seniors Rate

Paste your auto policy below for a free instant scan · optional $5 PDF copy for Seniors Hub visitors

What the scan checks for (5 coverage gaps)

1. Liability capped at $1M — raising it can add meaningful protection in a serious at-fault accident
2. Accident benefits capped at $65,000 — can often be raised to $130,000+
3. High collision/comprehensive deductible — $1,000 may be more than necessary
4. Uninsured motorist coverage capped at $200,000 — protects you if an at-fault driver has no insurance
5. No rental car coverage — ask about adding coverage for while your car is being repaired

Discounts worth asking about

These aren’t things a policy scan can detect from pasted text — they’re common discounts that go unclaimed unless you ask.

• Winter tire discount — roughly 5% for installing winter tires each year
• Retired / low-kilometre discount — can be around 25% if you drive less than average
• Bundle discount — combining home and auto with one insurer is often ~15% cheaper
• Claims-free discount — roughly 20% after several claims-free years
• Accident forgiveness — ask whether it’s included or available to add
• Pleasure use vs. commuting — if you no longer commute, correcting your use class can save ~20%
• Winter storage reduction — if the car is off the road part of the year, ask about a seasonal rate

FAQ

This tool uses the same scanning engine as our sister site, LeaseAiDetector.com →