Follow these simple tips and you will not only consumers more information, but you will know everything you need to know to maximize your savings.
1. Driving a car "low risk"
The car insurance rates are based on historical claims history for this vehicle. The car most likely to be stolen or in an accident, the more you will pay for the insurance. When you buy a new car, you can save on car insurance by finding the least expensive cars to insure. Use our tool to compare estimates or consult the vehicle information center of Canada to see rates as your dream car.
2. Get an offer and apply online
The car insurance can be in the entire province, but insurance premiums are another standard of the story. Coverage from one company to another can vary by hundreds, if not thousands of dollars. The only way to ensure that you get the best price for your policy base is to compare, compare, compare.
3. Make sure all cars are in the same policy
We offer a "multi-vehicle discount" for customers who insure more than one car on the same policy. This can lead to savings from both cars.
4. Make sure both your car and home with the same company
Again, this is called a discount "multi-line discount." We offer these savings as an incentive to get your company's property insurance as well. Everything is perfectly legal and is a good way to get a further discount on their bonuses.
5. Increase your deductibles
In short, while higher deductibles lower your insurance premiums. Insurance was really intended to cover the damage that could never afford on its own. If you can afford a repair $ 1,000, then increase deductible $ 1,000 and pay less for their insurance.
6. Older car? Consider dropping collision cover
If your car is up there in age, you can think about dropping collision coverage on your policy. You need to think about this though - is not always a clear decision. You must weigh the cost of collision coverage with the value of your car and the chosen deductible. If you were a car that was 10 years old, for example, which was worth about $ 1,000, and your franchise is $ 1,000, this collision coverage is not worth a hoot.
7. drive carefully
Your driving record is one of the most influential to determine in your insurance rate factors. Tickets affect insurance rates for up to three years and accidents on your plate will remain at least six for! With a poor drive record, you will pay yourself a lot of additional premium over the years.
8. Do not go to work
The more you are on the road, the more likely to get in an accident. Insurance premiums are higher for people commuting. So take the bus or travel companion not only to help save on the parking lot and gas, but it will help lower your insurance premiums.
9. New driver? Take the driving training
Licensed drivers who have completed a driving training in the past 3 years, lower premiums are calculated. Safer drivers pay lower insurance premiums.
10. Have an anti-theft device installed in the car
We recognize your car is less likely to be stolen if you have an anti-theft device installed in your vehicle. Check if your company offers this "anti-theft alarm or discount" and check if the price for the device is worth the additional savings in recent years. If you already have an approved factory installed in your car, take this alert into account when determining your rate.
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