Winter tire discounts can be applied, but you must have them on the vehicle before usually Dec 1st and must keep them on til around March or April 1st to qualify.
If you are unsure of your lic dates, go to service ontario and request a drivers history report. This will give you the exact date of the G1, G2 and G
If you have physical damage coverage on your vehicle (collision & comp), perhaps increase the deductibles.
Some companies offer a discount if you pay in full vs monthly.. ie intact offer this discount.