Auto Insurance Advice for Experienced Drivers

As an experienced driver, you have a lot of history to draw on when it comes to finding an insurance policy. Insurance companies are fond of drivers that don’t have any claims and have been on the road for a long time.

If you have a clean record or are reaching a certain point of maturity, you might be able to take advantage of some discounts. Take advantage of this auto insurance advice for experienced drivers to earn even more savings on your policy.

Here are 10 car insurance tips for experienced drivers.

1. Find an Insurance Company That Acknowledges Your Safe Driving

Many car insurance companies offer some kind of safe driving discount, but not all of them use the same formula. If you haven’t been in an accident or committed any traffic violations for two or more years, ask about a discount. Make sure that your insurance company is clear on the timeline for your safety streak, too—especially if your last accident was just a little more than two  years ago.

2. Check to See If You’re Already Getting Discounts

You might already be getting discounts on your car insurance without even knowing it. Gain a better perspective on your current deal by checking to see what discounts you’re already receiving. And be sure to ask about the winter tire discount, because it’s been a provincial requirement for several years now.

3. Join a Group for Affinity Discounts

One way to increase insurance savings is by joining a group such as CAA. They give you access to affinity group discounts, which can cut insurance premiums significantly. Check the value of those potential annual group discounts against the cost of the memberships to see the savings.

This is one of the lesser-known pieces of auto insurance advice, but it can be well worth it if you’re thinking about buying a membership (usually worth the cost on its own).

4. Take Advantage of Multi-Policy Discounts

Holding multiple insurance policies with the same company can result in big discounts, even if you’re a tenant rather than a home owner. Check to see if you can save by insuring your home and automobile under one company!

5. Pay in Full

Insurance companies love policyholders who can pay in full and might even offer a discount if they can pay premiums in advance. If you have the means, it’s recommended you do so.

6. Look for a Senior’s Discount

Seniors enjoy discounts for various services, so why not car insurance? Elderly drivers are typically seen as being safer. If you’re approaching old age, ask your agent if they supply senior discounts—especially if you have a good driving record.

It’s a misconception that seniors are considered higher risks than middle-aged drivers, making this a valuable piece of auto insurance advice!

7. Retirement Has Its Benefits

Inform your insurance company if you retire from the workforce. Since you’re not commuting every day, the chances of you getting into an accident take a statistical nosedive. Your premium could be lowered as a result, which is never a bad thing.

8. Refresh Your Memory

Even if you’ve been driving for years, consider taking a safety refresher course to rebuff your skills. An insurance company might reward you for being committed to safe driving when it’s time to renew your policy, but you need to let the company know! Ask around with different insurance companies to see if they will offer discounts for that and compare them to yours.

9. Discover Other Discounts

Some insurers give rewards to people with special statuses. For example, you may qualify for a discount if you’re a military veteran or retired federal employee. Alumni discounts are the most common example and quite accessible. Be sure to ask about them, even if you’re not entirely sure if they’ll apply to you.

It never hurts!

10. Shop Around

The best advice, of course, is to shop around for the best insurance rates. Put in the legwork and do some research. Don’t settle for a sub-par premium! This piece of auto insurance advice never gets old because your premium renews every year. Always take advantage.


There’s no need to pay more for your car insurance than necessary. If you have a good driving history and take your time to find the best rates, you can save a lot of money each year. Get a 5-minute online quote with us to see all of your applicable discounts automatically!

As an experienced driver, you have a lot of history to draw on when it comes to finding an insurance policy. Insurance companies are fond of drivers that don’t have any claims and have been on the road for a long time.

If you have a clean record or are reaching a certain point of maturity, you might be able to take advantage of some discounts. Take advantage of this auto insurance advice for experienced drivers to earn even more savings on your policy.

Here are 10 car insurance tips for experienced drivers.

1. Find an Insurance Company That Acknowledges Your Safe Driving

Many car insurance companies offer some kind of safe driving discount, but not all of them use the same formula. If you haven’t been in an accident or committed any traffic violations for two or more years, ask about a discount.

Make sure that your insurance company is clear on the timeline for your safety streak, too—especially if your last accident was just a little more than two  years ago.

2. Check to See If You’re Already Getting Discounts

You might already be getting discounts on your car insurance without even knowing it. Gain a better perspective on your current deal by checking to see what discounts you’re already receiving. And be sure to ask about the winter tire discount, because it’s been a provincial requirement for several years now.

3. Join a Group for Affinity Discounts

One way to increase insurance savings is by joining a group such as CAA. They give you access to affinity group discounts, which can cut insurance premiums significantly. Check the value of those potential annual group discounts against the cost of the memberships to see the savings.

This is one of the lesser-known pieces of auto insurance advice, but it can be well worth it if you’re thinking about buying a membership (usually worth the cost on its own).

4. Take Advantage of Multi-Policy Discounts

Holding multiple insurance policies with the same company can result in big discounts, even if you’re a tenant rather than a home owner. Check to see if you can save by insuring your home and automobile under one company!

5. Pay in Full

Insurance companies love policyholders who can pay in full and might even offer a discount if they can pay premiums in advance. If you have the means, it’s recommended you do so.

6. Look for a Senior’s Discount

Seniors enjoy discounts for various services, so why not car insurance? Elderly drivers are typically seen as being safer. If you’re approaching old age, ask your agent if they supply senior discounts—especially if you have a good driving record.

It’s a misconception that seniors are considered higher risks than middle-aged drivers, making this a valuable piece of auto insurance advice!

7. Retirement Has Its Benefits

Inform your insurance company if you retire from the workforce. Since you’re not commuting every day, the chances of you getting into an accident take a statistical nosedive. Your premium could be lowered as a result, which is never a bad thing.

8. Refresh Your Memory

Even if you’ve been driving for years, consider taking a safety refresher course to rebuff your skills. An insurance company might reward you for being committed to safe driving when it’s time to renew your policy, but you need to let the company know!

Ask around with different insurance companies to see if they will offer discounts for that and compare them to yours.

9. Discover Other Discounts

Some insurers give rewards to people with special statuses. For example, you may qualify for a discount if you’re a military veteran or retired federal employee. Alumni discounts are the most common example and quite accessible.

Be sure to ask about them, even if you’re not entirely sure if they’ll apply to you.

It never hurts!

10. Shop Around

The best advice, of course, is to shop around for the best insurance rates. Put in the legwork and do some research. Don’t settle for a sub-par premium! This piece of auto insurance advice never gets old because your premium renews every year. Always take advantage.


There’s no need to pay more for your car insurance than necessary. If you have a good driving history and take your time to find the best rates, you can save a lot of money each year. Get a 5-minute online quote with us to see all of your applicable discounts automatically!

Seriously, what else can you do in 3 minutes?

Boil half an egg?

You might like these posts, too.

What you should know about Ontario’s Drive Clean test

What you should know about Ontario’s Drive Clean test

Air pollution is a point of ongoing environmental concern in Canada. Ontario’s air quality is constantly being monitored, and while there is always room for improvement, Ontarians generally enjoy lower levels of air pollution than many other parts of the world. The...

read more
Safety tips for driving in the heavy fog

Safety tips for driving in the heavy fog

Nova Scotia has more foggy days than anywhere else in Canada, but we still get some doozies in Ontario, too (we’re looking at you, Great Lakes). You still need to be prepared to drive in heavy fog even if it only happens every once in a while. The Ontario Ministry of...

read more
Tips for your private car sale in Ontario

Tips for your private car sale in Ontario

As much as you may love your car, you are probably going to have to sell it one day. Whether you want to trade in your car at the dealership for a newer, better model, or you want to sell it privately to get the most money out of it, there are a few things you should...

read more

How are we doing?

How are we doing?