Experienced Driver Insurance in Ontario

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Smart, Reliable Coverage for Ontario's Most Trusted Drivers

A long track record of safe, responsible driving gives you peace of mind, and it unlocks access to premium coverage, exclusive discounts, and the recognition you’ve earned as a trusted driver.

At ONA, we provide auto insurance coverage designed specifically for mature Ontario drivers who understand the value of safety and accountability on the road.

With lower premiums, tailored coverage, and exceptional support from our brokerage team, you can take full advantage of your driving history. Whether you’re insuring your primary vehicle, bundling policies, or reviewing your current options, ONA makes it easy to protect what matters, on your terms.

The Value of Experience Behind the Wheel

Years of careful, incident-free driving make a difference. Insurance providers notice when drivers consistently commit to safety and responsible behaviour. That recognition translates into meaningful benefits for you.

When you qualify for insurance as an experienced driver in Ontario, you can access substantially reduced premiums for more affordable coverage.

ONA helps you take full advantage of this benefit. Our licensed brokers work directly with you to identify the best value for your needs, without sacrificing the comprehensive protection that every driver deserves.

Why Experienced Drivers Need Auto Insurance in Ontario

Insurance designed for experienced drivers offers a range of valuable benefits, from lower premiums to coverage options that better align with your driving history and lifestyle.

Lower Premiums for Low-Risk Drivers

Decades of safe driving indicate lower risk to insurers. That’s why experienced drivers often qualify for the most competitive premiums in Ontario. At ONA, we work to ensure those savings are maximized. Our brokers compare rates across multiple carriers to find the ideal plan based on your driving history, vehicle usage, and lifestyle.

Custom Coverage for Your Driving Habits

No two drivers are alike. That is why our auto insurance options for experienced drivers are built to suit your real-world needs. Whether you drive frequently or sparingly, use your vehicle for commuting, business, or leisure, or own multiple vehicles, we ensure your policy is built around how you live.

Exclusive Savings and Loyalty Discounts

As an experienced driver, you may qualify for:

Claims-free discounts
Retiree or mature driver savings
Multi-vehicle and multi-policy discounts
Low-mileage incentives
Loyalty rewards for long-term insured clients

ONA will help you uncover all the savings that are available to you. Our team stays updated with the latest offerings from Canada’s top insurance carriers, ensuring you’re never missing out on potential value.

The Oegema, Nicholson & Associates Advantage: Independent Brokerage, Unmatched Expertise

ONA isn’t tied to a single insurance provider as an independent brokerage. That means we work for you. Not the insurer.

Choice and Flexibility

We partner with multiple carriers across Ontario to offer you more choices. You won't be limited to a single quote or coverage style. Instead, we provide a broad range of options, making selecting a plan that fits your needs and budget easier.

Personalized, One-on-One Service

Our clients benefit from dedicated support. You'll work with a licensed broker who understands Ontario's insurance landscape and takes the time to understand your driving background and coverage priorities.

Local Knowledge You Can Trust

We live and work in Ontario. Our team knows the communities we serve, the regulations that apply, and the insurance market inside and out. We offer informed guidance based on your region, whether you live in downtown Ottawa or a quieter suburb.

Smooth Transitions and Easy Policy Management

Are you thinking of switching insurers or updating your current coverage? We'll make the process simple. From paperwork and renewals to claims assistance and policy updates, your ONA broker is just a call or click away.

Who Qualifies as an Experienced Driver?

You may be eligible for our coverage for experienced drivers, if:

You are over 40 years old and have held a full G licence for several years
You have a clean driving record with minimal or no claims
You have maintained continuous insurance coverage
You’re retired, semi-retired, or drive fewer kilometres annually

Even if you’re unsure whether you meet all of these criteria, it’s worth speaking with one of our brokers. We’ll review your history and offer the best path forward based on your qualifications.

What to Expect When You Work With Oegema, Nicholson & Associates

From your first conversation with us, you’ll notice the difference. Our process is transparent, respectful, and entirely focused on your needs as a seasoned driver.

Personal Consultation

We begin with a brief, informative conversation. Your broker will ask about your driving experience, vehicle details, lifestyle, and current coverage. From there, we provide tailored recommendations based on accurate, up-to-date market comparisons.

Comprehensive Quote Review

We provide multiple options with clear explanations, ensuring you understand the benefits and limits of each policy. You'll receive practical recommendations designed to help you make the best decision for your future.

Ongoing Support

Insurance needs can evolve. Whether you change vehicles, downsize, or retire, we'll help adjust your policy accordingly. You'll have access to continuous support and advice from your dedicated broker.

Bundling Made Simple

Many experienced drivers are also homeowners, recreational vehicle owners, or motorcycle enthusiasts. With ONA, it's easy to bundle your auto coverage with related policies to save even more.
Explore these complementary insurance options that may suit your needs:

Get Started Today with Auto Insurance for Experienced Drivers in Ontario from Oegema, Nicholson & Associates

You’ve earned the benefits that come with being an experienced driver. At ONA, we’re here to help you enjoy them—fully and confidently.

Whether you’re reviewing your policy, comparing options, or ready to switch insurers, we’ll provide expert guidance, transparent quotes, and full-service support.

Request a Quote
Let’s find the right policy for your experience level. Get started today with a quick, no-obligation quote.
Speak with a Broker
Do you need advice or have questions about your current insurance? Talk to a licensed ONA broker for personalised recommendations.
Find Your Savings Today
Discover how your years of safe driving can translate into meaningful savings. We’ll help you unlock the value you deserve.

What Our Clients Are Saying

Real stories from people who trust
Oegema, Nicholson & Associates Insurance

“One call to Oegema, Nicholson & Associates is all it took. After our basement flooded, within a day or two they had a crew cleaning everything up, taking down the drywall and itemizing everything to be cleaned, thrown out or restored. They had everything in place for us in a timely manner and were extremely patient with me as they talked me through the process and waited for me to make decisions.”

Jennifer Parks, Stittsville, Ontario

“I’ve been dealing with ONA for over 20 years with my personal insurance, as well as our commercial insurance, and I know I can rely on them for great customer service, and prompt responses. I feel confident not only referring them to my employees, but to our customers as well.”

Charlene Brunet, Butler Group of Company

“ONA helps me with my personal insurance and my business insurance. They are my one stop shop when it comes to insurance and group benefits. I know I’m covered in all areas. Great friendly service and knowledgeable staff!”

James Carriveau, President, Exact Interlock and Exact Properties

“It’s always a pleasure to deal with Oegema, Nicholson & Associates, and I can depend on them for all my insurance needs. I have been a client for several years and whether it’s regarding my personal insurance, or anything to do with our employee benefits or commercial needs, I know I’m taken care of.”

Rhonda, Capital Dodge

“I would like to thank Carol for everything she has done for me and my family over the years. It is my honest belief that we would not be in the position we are in if it was not for her guidance, expertise and honesty. We can’t begin to thank her enough.”