As temperatures drop across Canada, drivers are being reminded that fitting winter tires can not only improve road safety but also reduce auto insurance premiums.
By law, insurers must offer a discount for vehicles equipped with dedicated winter tires, though the rules around all-weather tires remain less clear, according to a report from CTV News.
Specifically designed for cold-weather driving
Winter tires are designed specifically for cold-weather driving. Their rubber compounds remain flexible in freezing temperatures, and their tread patterns provide better grip on snow and ice. Experts noted that winter tires significantly reduce stopping distances and improve vehicle control in severe conditions, making them a critical safety measure during the winter months.
According to James South from Aviva, all-weather tires “are not the same level as snow tires,” and therefore do not qualify for the 2% discount the company provides to customers using dedicated winter tires.
Other companies, including CAA Insurance, recognize the three-peak mountain snowflake (3PMSF) symbol that can appear on all-weather tires and offer the associated discount.
According to the news outlet, the symbol indicates that the tire meets Canadian safety standards for snow traction performance, including passing the ASTM F-1805 Driving Traction Test on packed snow surfaces.
A question on all-weather tires
Industry experts warned drivers to confirm with their insurer whether all-weather tires qualify before listing them on a policy, as misrepresenting the tire type could affect coverage in the event of an accident.
Timing is also critical. Most insurers require winter tires to be installed by late November or early December and left on until March or April to qualify for the discount. Installing tires too early or removing them too late can result in lost savings, and in some cases may impact coverage.
Proper use of winter tires also matters for safety, the report said. Drivers are advised to check tire pressure regularly, as cold temperatures can reduce pressure, and to replace tires once tread depth reaches about 4/32 of an inch to maintain adequate traction. Rotating tires every 8,000 to 12,000 km helps ensure even wear, which can prolong performance and maintain eligibility for insurance discounts.
With winter approaching, understanding how tire choices affect insurance premiums, and knowing how to use winter tires correctly, has become essential for drivers seeking both safety and financial protection, the report said.
