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Tips On Keeping Auto Insurance Rates Down

When customers come into our dealership, a good majority of them have used the internet to do their homework. They look into options of a particular vehicle they are interested in, they read reviews from Canadian Driver and JDPower and even go further and sign up for a few of the message boards. All of this homework has totally paid off, they know a lot more about the particular vehicle they are interested in ... which is fantastic!

People spend the time to shop "their" car but very few take the time to shop their car insurance. Surprisingly enough many people pay way too high a premuim for car insurance in Canada. Here are some tips on keeping auto insurance rates down for your next car purchase:


A lot of people spend TOO MUCH on car insurance. There is a misconception out there where people believe that all car insurance companies are the same and that rates don't vary based on the same coverage ... WRONG.

A study done in Nov 2006 determined that rates based on the same coverage varied by over $900. I am sure that you'll agree that you could find a million things to do with $900, right?

The internet is a huge resource, you used it to research and shop your car, go a step further and shop your insurance rate, go and get an online auto insurance quote Canada SHOP THE RATE AND SAVE!

2. Put all cars on the same car insurance

By doing this you receive a "Multi-vehicle discount" which can save you 10% off both vehicles.

3. Use one insurance for your car and home

Just like putting all your cars on the same policy, if you combine your home too this is also another form of discount called the "Multi-line discount." Insurance companies offer this as a means to earn your property business as well and it is an excellent way to get an additional five per cent discount off your rate.

4. Increase your deductibles

The higher your deductible the lower your insurance rate. Insurance is in place to cover you for damages you can't afford on your own, but, think about it, if you are able to afford a $1000 repair job, then raise your deducticles to that $1000 and pay less for your insurance.

5. Drop collision coverage if you drive an older car

Think about this though and make sure it will pay off for you and if you can afford to do this. But think about this, if you drive an older car that is worth about $1000 and your deductible is $1000 then your collision coverage doesn't amount to much does it? Again, this one you really need to sit and think about and decide ... I am NOT saying cut it, I am saying if it works for you and your situation you could consider it.

6. Buy a "low risk" car

Rates for insurance are based on previous claims history for that vehicle. If the car is more likely to be stolen or in an accident, then of course you see it in paying more for car insurance. Before you buy that new car, compare quotes to see how your possible new car rates. You may find that you have to re-think your car purchase.

7. Don't drive to work

This may be easier said than done, depending on where you work, but the idea here is that the more you are on the road the higher risk of getting into an accident. Car insurance rates are higher for people who drive to work. If you can, take the bus or car pool, not only are you saving on gas and parking, but you're lowering your car insurance premium as well!

8. Driver's training

A majority of car insurance companies offer discounts to new drivers who have taken a defensive driving course in the last three years.

9. Install anti-theft devices

Many auto insurance companies realise that your car is less likely to be stolen if you have anti-theft equipemtn installed. You can check with your insurance company to see which devices they recognize.

Follow these easy tips on keeping auto insurance rates down and not only will know more about how car insurance works, you'll gave everything you need to know capitalize on your car insurance savings!


Dennise Ryder writes from her home in Toronto, Ontario, Canada. Many people are paying way too much for car insurance, check and make sure you aren't one of them, online auto insurance quote canada

Related Article(s):
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Car Insurance in Canada - The 4 Simple Steps to Lower Auto Insurance Premiums
Canada's Best Car Insurance Deals
Canada Car Insurance Quote - How Anti-Theft Devices Help Reduce Premiums


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