If someone of your friends or family members got a much better car insurance premium than you, it is not because they have an acquaintance in the industry, or they got lucky, all they did was follow these 4 basic steps to lower car insurance premiums:
When it comes to car insurance in Canada, a lot of us pay too much. If you happen to have a friend who has the same driving record while you do, yet they're paying less, it's not an accident with no the insurance company. Whatever they more than likely did was utilized these four techniques for getting the lower rate:
1. RATE COMPARISON
Ummm, let me say state this differently, the SHOPPED! We shop prices for cars, computers, clothes, which days EVEN gas, however , if it comes to auto insurance we get the quote from the insurance rep and say "ok" and pay the pace without even shopping it!
There exists a couple of explanations why we try this and incidentally, they may be myths ... the following is why we don't shop
Myth #1 - there is no reason to search because with regards to the coverage there isn't any difference between insurance companies, they all charge a similar price
Myth #2 - shopping rates is made for new drivers who don't have insurance yet or those individuals who have had accidents or tickets.
Those myths must be BLOW OUT From the WATER! Should you believe them it is costing you cash!
If your driving record is clean you are probably still paying method to much for motor insurance, because motor insurance companies DON'T all charge the same, they're rates do very and in some cases they differ a whole lot.
Take the time to get Canada motor insurance quote [http://www.insurmycar.ca/quoteme.html].
2. Deductibles, consider raising them ...
A deductible is the the amount of the claim that YOU pay and then your insurance company pays the rest if you are in an accident. We usually take the lower deductible due to course you want to pay less away from our pocket and have the insurance company start working more. Good the theory is that, but, obviously it doesn't work that way, we are still paying in the higher premium. Should you go with a greater deductible it lowers your premium, I am talking about we aren't in accidents every single day right? So, you will want to elect to cover the higher deductible to conserve over the long run on our rate?
3. Discount, hey do you offer any ...
There are lots of insurance discounts you can take advantage of, listed below are ones to request:
age - when you hit 25 the pace drops, there might be other breaks at the same time...just ask!
Multi-vehicle discount - multiple car insured sticking with the same company
Multi-line discount - insure the vehicle, house, cottage and boat and acquire a break when it is with the same company
Anti-theft discount - get discounts in line with the anti-theft devices you might have
Low mileage discount - you are a lower risk if you don't drive very much
Occupational discount - depending on the line of work you are in you may be one
Auto club discount - CAA or a few of the other auto clubs have discounts.
The key here ... If you don't ask, you aren't getting!
4. Watch your driving...
I am aware, I know, things happen when you're on the road. However, keep in mind that in determining your insurance costs your driving history is the key factor insurance companies use. The accidents one happens to get involved in that are your fault and the traffic tickets all element in and remain with you for a long time, so focus on what you're doing!
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Did you heard what Rob Matts said about that?
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