Okay, it is not secret, but these solutions are not well known. The more you know about insurance, the more you will save on your premium. Follow these tips to become an informed consumer and maximize your savings.
Get a quote and make requests online
If auto insurance is standard throughout your province, this is not the case of premiums. On one insurer to another, the cost of guarantees can vary from hundred or thousands of dollars. The only way to get the best price for your policy is to compare, compare, compare.
Make sure all your vehicles on the same policy
We offer a discount to customers who provide more than one vehicle on the same policy. This allows you to save on your insurance premium.
Make your car and home with the same insurer
This measurement gives you the right to "multiproduct discount." We offer to get you to entrust your insurance habitation.C'est completely legal and it's a great way to save on your premiums.
Increase your deductibles
More your deductibles are high, the more you save on your premium. The insurance is intended to cover damages that you can not afford to pay from your pocket. If you can pay a compensation of $ 1,000, then raise your deductible to $ 1000 and save on your insurance premium.
Old car? Why not give up Collision coverage?
If your car is not entirely new, you might consider forgoing the guaranteed "Collision". Think about it though - it's not an easy decision. You must compare the cost of the guarantee "Collision" with the value of your car and your deductible. In the case of an old car 10 years worth about
$ 1,000 if your deductible is $ 1,000, guaranteed "Collision" will not be worth much.
drive carefully
Your driving record remains the most determining factor in calculating your insurance premium. The violations affect your premium for three years and accidents stay on your record for six years! With a poor driving record, you will eventually pay a lot more for your premiums over the years.
Driving a car that is safer
Auto insurance premiums are based on the claims ratio in case of a vehicle model. More car may be stolen or being involved in an accident, it costs more to insure. With the purchase of a new car, check with the Canadian Vehicle Information Centre or compare quotes to find the rankings of your dream car. This could change your purchase.
Do not take your car to get to work
The more you drive, the more likely you are to have an accident. The insurance premiums are higher for those who use their car to work. Opt for public transport or car: you will save on parking and gas and you will decrease your insurance premium.
New driver? Sign up for a driving course
driving license holders who have completed a driving course over the last three years are paying a lower premium. Safe drivers benefit from a cheaper premium.
Make install an alarm system in your car
We understand that your car is less likely to be a flight if it is equipped with an antitheft device. It is profitable to assess whether the price of a device is the savings you will realize over the years with the "Reduction for alarm system." If your car is already equipped with an approved alarm, we will consider in calculating your premium.