There are several articles
entitled "7 ways to save on car insurance" or "5 Tips to reduce
your car insurance costs" etc, but it would be nice to have all these
savings tips and discounts in one place? Below you find a list of this type of car insurance. This list is an overview of all opportunities to save on car insurance in
Canada, and was compiled on the basis of results of numerous
discussions with insurance brokers and through reviews of different insurance
offers.
1. Shop around: Search, compare and change insurance
companies.
2. Bundle: Need Home and Auto
Insurance? Most companies offer a discount if you group together.
3. Professional Association: You are a member of a professional organization (eg, accountants in Canada Certified Management or Air Canada Pilots Association)? For example, some insurance companies offer a discount.
4. Students Being a student can only result in a student discount.
5. Students: Graduates from Canadian universities (eg the University of Toronto, McGill University) may be eligible for a discount on some insurance providers.
6. Member Employees / Union: Some companies offer discounts to union members.
7. Seniors: Many companies offer special prices for seniors.
8. Direct insurance: You always deal with insurance brokers / agents? Get a direct insurance policy (ie insurers working through calls or online center), can often be cheaper (but not always) because they do not pay / brokerage commission each agent sold the policy.
9. Vs. monthly yearly payments: Compared to monthly payments, annual payments save administrative costs insurers (eg sending bills) and therefore they reward you with lower premiums.
10. Home Discount: Some insurers offer a welcome discount call.
11. Reference Costs: how other consumers like to pay for your insurance can help identify the most respectful insurance providers cost of.
12. Car Insurance Deductibles: Increase your car insurance deductible, if you believe that you are able to engage in higher payments for damages in case of accident.
3. Professional Association: You are a member of a professional organization (eg, accountants in Canada Certified Management or Air Canada Pilots Association)? For example, some insurance companies offer a discount.
4. Students Being a student can only result in a student discount.
5. Students: Graduates from Canadian universities (eg the University of Toronto, McGill University) may be eligible for a discount on some insurance providers.
6. Member Employees / Union: Some companies offer discounts to union members.
7. Seniors: Many companies offer special prices for seniors.
8. Direct insurance: You always deal with insurance brokers / agents? Get a direct insurance policy (ie insurers working through calls or online center), can often be cheaper (but not always) because they do not pay / brokerage commission each agent sold the policy.
9. Vs. monthly yearly payments: Compared to monthly payments, annual payments save administrative costs insurers (eg sending bills) and therefore they reward you with lower premiums.
10. Home Discount: Some insurers offer a welcome discount call.
11. Reference Costs: how other consumers like to pay for your insurance can help identify the most respectful insurance providers cost of.
12. Car Insurance Deductibles: Increase your car insurance deductible, if you believe that you are able to engage in higher payments for damages in case of accident.
13. As the second driver: Driving a car only occasionally?
14. Minimum
coverage: Driving an old car, without value? Get a minimum coverage
required by law (mainly passive) w / o collision damage (you are still
protected if you damage someone's car, but the damage to your car will not be
covered)
15. The minimum coverage: Driving an old car cheap? Only then get a minimum coverage plan required by law (mainly passive) without collision insurance (does not cover the cost of damage caused to your vehicle)
16. Leverage your credit card: Check your credit card insurance includes car rental protection. Paying with a card that has insurance to protect the rental car, you can save about $ 20 a day on fresh collision damage waiver.
17. Leverage Car rental cover: If you frequently rent cars and have a car insurance policy, you should check your own auto insurance policy actually covers the rental car.
15. The minimum coverage: Driving an old car cheap? Only then get a minimum coverage plan required by law (mainly passive) without collision insurance (does not cover the cost of damage caused to your vehicle)
16. Leverage your credit card: Check your credit card insurance includes car rental protection. Paying with a card that has insurance to protect the rental car, you can save about $ 20 a day on fresh collision damage waiver.
17. Leverage Car rental cover: If you frequently rent cars and have a car insurance policy, you should check your own auto insurance policy actually covers the rental car.
18.
Pilot Car Rental: If your existing auto insurance policy does not cover your
rental car, you can often add as a knight (extension of the policy) to 20-30
dollars per year.
19. Location, location, location: car insurance costs are different from one
province to another (for example, move from Ontario to Quebec will certainly
reduce your insurance costs half). If you move to a province,
you should check all the changes in auto insurance costs and, ideally you
should go where the costs are lower (eg, Burlington, Ontario has one of the
highest rates auto insurance in Ontario)
20. CAA members: CAA members: You are a member of the CAA? Some insurance providers will reward you with insurance premiums, including, of course, the CAA.
21. Dashboard Camera: Get a dashboard device for your vehicle. Even installing a dashboard camera does not result in direct savings (insurance companies do not offer discounts cameras panels related insurance), but it can prove that you do do not to blame when the case of an accident. The result avoid abusive increases premiums.
22. Driving Course: Pass a driving course is sometimes recognized by some insurance providers and can help reduce your premiums.
With some patience (six years without accidents), its risk profile will improve allowing you to enjoy once again the reasonable insurance premium rates.
23. Age: Senior drivers benefit from lower auto insurance premiums.
20. CAA members: CAA members: You are a member of the CAA? Some insurance providers will reward you with insurance premiums, including, of course, the CAA.
21. Dashboard Camera: Get a dashboard device for your vehicle. Even installing a dashboard camera does not result in direct savings (insurance companies do not offer discounts cameras panels related insurance), but it can prove that you do do not to blame when the case of an accident. The result avoid abusive increases premiums.
22. Driving Course: Pass a driving course is sometimes recognized by some insurance providers and can help reduce your premiums.
With some patience (six years without accidents), its risk profile will improve allowing you to enjoy once again the reasonable insurance premium rates.
23. Age: Senior drivers benefit from lower auto insurance premiums.
24. Car
brand and model: choose your car wisely, as some car models are more
susceptible to theft or have a history of high-risk drivers (eg Toyota Camry,
Acura MDX, Toyota RAV4 and Honda Civic are generally very to
insure)
25. Good student: Yes, get good grades can have many positive effects, and even in your car insurance rates!
25. Good student: Yes, get good grades can have many positive effects, and even in your car insurance rates!
26.
Several cars: Pack of several cars on a policy and your rates may go down
27. Anti-theft system: Installing an anti-theft system certified in your car results in a lower risk of flight and may lead to insurance discounts.
28. Winter tires: Having winter tires is important for driving safety during the winter, but it can also help reduce your insurance premiums.
29. Repair costs: Choose a car that would cost less to repair if damaged. Repair costs for some cars (eg Mini Cooper and BMW) are higher than others (eg Ford Focus) and insurance providers are aware of this.
Contact an insurance provider / broker can help you discover what makes sense.
30. Being married: In most provinces marital status affects your insurance premiums (except Nova Scotia)
31. Discount
Retired: Some insurance companies offer different discounts for drivers of
reform.27. Anti-theft system: Installing an anti-theft system certified in your car results in a lower risk of flight and may lead to insurance discounts.
28. Winter tires: Having winter tires is important for driving safety during the winter, but it can also help reduce your insurance premiums.
29. Repair costs: Choose a car that would cost less to repair if damaged. Repair costs for some cars (eg Mini Cooper and BMW) are higher than others (eg Ford Focus) and insurance providers are aware of this.
Contact an insurance provider / broker can help you discover what makes sense.
30. Being married: In most provinces marital status affects your insurance premiums (except Nova Scotia)
32. Disability: Some companies offer discounts for people with disabilities.
33. Hybrids: Many companies place driving a hybrid vehicle with insurance premiums.
34. Garage: Park the car in a safe place (eg a private garage or secure) usually results in insurance premiums of auto insurance providers.
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