Safety versus cost—it’s a delicate balance drivers must weigh when it comes to paying extra for snow tires. Following Quebec and Manitoba’s lead, Ontario is the latest province trying to tilt this scale towards safety by introducing a mandatory insurance discount for drivers using winter tires. Industry sources expect the savings will range between 3% and 5%. To put that in context, a 35-year-old male with a new Honda Civic EX who pays about $1,500 in premiums a year could save up to $75 annually. Assuming a new set of snow tires for his car costs $800, he would recoup up to $300 of the cost after four years. But like most insurance discounts there’s a catch: You have to have these tires on your vehicle for a pre-determined period, so be sure to check precise details with your provider.