There are several articles found: "7 ways to auto insurance" or "5 tips to reduce car insurance costs" etc. But would not it be good if each rescue trick and rebate in one place? Below you will find such a list of car insurance. This list provides a comprehensive insight into Canadian car insurance savings and results from numerous discussions with insurance brokers and the analysis of various insurance offers.
first Buy around: Search, Compare and Shift Insurance Companies. There are many insurance providers and the same policy prices may be very different, so use more online tools and talk to multiple brokers, as each one covers a limited number of insurance companies.
2 . Bundle: Do you need home and auto insurance? Most companies offer a discount if they summarize them.
3 . Professional membership: Are you a member of a professional organization (eg Canada or Air Canada pilots association)? Then some insurance companies offer discounts.
4th Students: Only as a student may lead to a learning allowance.
5th Alumni: Certain Canadian universities (eg University of Toronto, McGill University) may be granted discounts to certain insurance providers.
6th Employee / EU Members: Some companies offer discounts to trade union members.
7th Elderly: Many companies offer special pricing to the elderly.
8th Direct Insurers: Do you always deal with insurance agents / agents? Directives from direct insurance clients (ie call centers or Internet-based insurance companies) may often be cheaper (but not always) as they do not pay brokers / brokers for all securities sold.
ninth Yearly vs. Monthly Payments: With annual payments, annual payments save the administrative costs of insurers (such as Billing) and therefore receive lower fees.
10th Loyalty: Long-term stay with an insurance company may sometimes lead to long-term bond ownership.
eleventh Annual Overview: Review guidelines and coverage every year, as new benefits may apply to a new life situation if changed.
12th Greeting Discount: Certain insurers offer a so-called welcome discount.
13th Comparing Costs: Knowing what other similar consumers are paying for insurance can help identify the most cost effective insurance providers.
14th Car Insurance Contributions: Increase your car insurance deductions if you believe that you may have higher compensation payments in the event of an accident. This is especially suitable for more experienced drivers.
15th Second Pilot: Driving a Car Only Occasionally? Be a second driver instead of the main driver
16. Minimal coverage: Leading a car without high value? Obtain the statutory minimum coverage (mainly liability) and collision damage (you are still protected if you damage someone's car, but the car's damage will not be covered)
17. Minimum Coverage: Did you drive an old, cheap car? Then you will only get a minimum coverage plan that is required by law (primarily responsibility) without collision avoidance (does not cover damage to the vehicle)
18. Follow your credit card: Verify that credit card insurance includes car rental protection. For damages with a card with a car rental insurance, you can save Collision Damage Waiver fees for $ 20 a day.
19th Rent a Car Rent: If you often rent a car and have a car insurance, you must check that your car insurance system actually covers your rental car. If that is the case, you can save all the remediation costs of the rented vehicles.
20th Rent-a-car racer: If your existing car insurance policy does not cover your rental car, you can often add it as a rider (as a policy extension) for $ 20-30 per year. Compared to $ 20 / day, you pay when renting a car, this is not a bad deal!
21st Location, Location, Location: Car insurance costs differ from one province (eg from Ontario to Quebec). If you move within a range, you will need to check any change in your car insurance costs and ideally move to where costs are lower (for example, Burlington, Ontario, one of Ontario's largest car insurance premiums)
22. CAA tag: CAA members: Are you a CAA member? Some insurance providers will receive lower insurance premiums for you, including CAA, of course.
23rd Steering Camera: Get a dashboard camera for your vehicle. Even though the installation of a dashboard camera does not result in direct savings (insurance companies do not offer insurance discounts to dashboard cameras), but in the event of an accident this does not prove the fault. This will result in the avoidance of unfair premium promotions.
24th Management course: Certain insurance providers sometimes acknowledge the successful completion of a driving course and can help reduce their promotions.
25th Improving driving record: Do you have a bad driving record? Tickets issued three years earlier will be removed from insurance events and insurance premiums may be canceled.
26th Wrong Accidents: Did you have a few accidents in the past where it was wrong? With a little patience (six years without accident), the risk profile will improve, which will prevent you from re-enjoying reasonable insurance premiums.
27th Age: Lead pilots enjoy lower car insurance rates. That way, your promotions will be reduced over a number of years.
28th Car and Model: Choose your car wisely, as some car models are more likely to steal or even have more risky drivers (eg Toyota Camry, Acura MDX, Toyota RAV4 and Honda Civic are usually quite expensive to secure )
29. Good Student: Yes, good quality can have a lot of positive effects, even even for you! Eg an insurance company rewards students under 25 and high quality (intermediate B or higher) with a 25% discount.
30th Multiple car kit: Connect multiple cars to a directive and lower your speed
31. Anti-theft System: Installing a certified anti-theft system in the car is at a lower risk of theft and can lead to insurance discounts.
32nd Winter tires: Winter tires are important for winter road safety, but may also reduce insurance premiums.
33rd Repair Costs: Choose a car that would cause less damage to damage. The cost of repairing some cars (such as Mini Cooper or BMW) is higher than the others (eg Ford Focus), and insurance providers are aware of this.
34th Requirements: The history of pure statements is sometimes far more financially feasible than submitting claims to repair small claims, which can lead to higher fees. Getting in touch with your insurance provider / broker can help you find out what makes sense.
35th Marriage: In most provinces, marginal status affects insurance premiums (except for Nova Scotia)
36. A short distance from work: Finding a home close to your workplace reduces the distance you need to work daily and then results in lower insurance premiums.
38th Drop Coverage: For cheap cars with windscreens, it may be more cost-effective to cover the glass cover, as you combine more with the deductions you pay for your accident. You have to calculate it.
39th Retirement Benefits: Some insurance companies offer different retirement discounts for drivers.
40th Disability: Some companies offer discounts to people with disabilities.
41st Hybrid Vehicles: Many companies lead a hybrid vehicle with lower insurance premiums.
42nd Private garage: For car parking (eg private or secure garage), it usually results in lower insurance premiums for car manufacturers.
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