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I'm not so sure about that. Winter's now are nothing like they use to be. Roads are kept better than they ever have been. Toronto get lower snowfall than where I live in ontario. If people were to actually drive according to weather conditions and not rely upon tracking systems, abs and...

I asked my insurance company how much premium difference if I didn't use winter tires. It came out to be more obviously. But less than the cost of winter tires would have cost me even if the tires had lasted for 2 seasons. I installed new all seasons right before winter every other year since...