A savings estimator needs real data.

A meaningful savings estimator compares your current premium to the median rate other drivers in your postal code, age, and vehicle profile are getting today. That requires quote-engine data we don’t yet have. When the engine ships, this page becomes a real tool with cited methodology and confidence intervals — not a marketing widget.

Want to estimate the July 2026 reform impact today?

The Ontario auto reform shifts several accident benefits from mandatory to optional. For most drivers the practical effect is a moderate premium reduction if you opt for the default tier. The reform guide walks through the math and which benefits to keep based on your specific situation.