For families in London, Stratford, and across Kitchener-Waterloo, winter driving is simply part of life. As the temperature drops, your standard tires start to lose their grip, making every trip to the grocery store or commute to work a bit more precarious.
At Strong Roots Insurance, we’re here to provide expert advice that keeps you safe and saves you money. One of the most common questions we get this time of year is: “Can my choice of tires actually lower my premiums?” The short answer is yes. In Ontario, choosing safety literally pays off.
Does a Winter Tire Discount Exist?
Yes, it does. Since 2016, the Ontario government has mandated that all insurance providers in the province offer a winter tire discount to their policyholders.
- How Much Can You Save?: Most drivers see a reduction of 2% on their annual auto insurance premiums.
- Not Just a “New Policy” Perk: Whether you’re starting a new policy or renewing an existing one, you are entitled to this discount.
- Long-Term Value: While a 2% discount might seem small, it adds up over the years and often helps offset the cost of the tires themselves.
How to Qualify for the Savings
To unlock these cost-effective solutions, insurers have a few specific requirements you must meet:
- The Full Set: You must have a separate set of four winter tires installed; equipping just the front or back wheels will not qualify you for the discount.
- The Official Symbol: Your tires must feature the three-peak mountain snowflake (3PMSF) symbol. Standard “all-season” tires do not qualify, even if they have “M+S” (Mud and Snow) markings.
- The Seasonal Window: Insurers typically require tires to be installed by November 1st and kept on until at least April 1st. Dates can vary by company, so always check your specific winter tire insurance policy details.
- Proof of Purchase: Keep your receipts! Some insurers may request a photo of the tires or a copy of your installation invoice to confirm eligibility.
Beyond the Discount: Why Safety Matters
While saving on premiums is a great bonus, the real value is the peace of mind that comes with a shorter stopping distance.
- Better Grip: Winter tires are made with specialized rubber that remains soft and flexible in freezing temperatures, allowing them to “bite” into ice and snow.
- Shorter Braking Distance: In icy conditions, winter tires can significantly reduce the distance you need to come to a complete stop, which can be the difference between a close call and an insurance claim.
- Fewer Claims: Drivers with winter tires are statistically less likely to be involved in accidents, helping you maintain a clean driving record and avoid future rate increases.
Best Winter Tires for Safety in 2026
If you’re looking to invest in a new set, these models are currently leading the pack for performance in Canadian winters:
- Michelin X-Ice Snow: Known for excellent durability and ice braking.
- Bridgestone Blizzak WS90: A top choice for aggressive snow traction.
- Nokian Hakkapeliitta R5: Exceptional performance in heavy slush and deep snow.
- Continental VikingContact 8: A well-balanced tire that performs reliably across wet and icy roads.
Your Local Partners in Protection
Remember, these discounts are often not applied automatically. As your neighbourhood brokers, we want to make sure you aren’t leaving money on the table. If you’ve made the switch to winter tires, give us a call so we can update your policy and secure your savings.
