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The amount of your car insurance premium is dependent on a number of factors, including the make, model, and year of your car as well as your driving record, how often you drive, where you live, and the coverage you choose.

Car insurance brokers have the experience to navigate the complex details of an insurance policy to give you the best type of coverage that works for you while keeping the cost of your car insurance as low as possible. The more you know about how car insurance works, the more you can save on your premium. To take advantage of savings, consider the following steps for affordable car insurance.

Ways To Save On Car Insurance

1. Increase your deductible

The higher your deductible, the lower your insurance premium will be. Consider raising your deductible to a limit you feel comfortable paying should you need to file a claim.

2. Save with insurance bundles

Insurance companies offer “multiline discounts” when you insure your car, home, business, and other possessions with them.

3. Remove collision coverage for an older vehicle

Experienced car insurance brokers are able to recommend the best course of action when it comes to driving an older vehicle. They can help you weigh the cost of collision coverage with the value of your car and deductible.

If your car is worth less than your deductible, then collision coverage would not be beneficial.

4. Keep a clean driving record

Your driving record is one of the most significant factors that car insurance companies take into consideration. The amount of claims filed against your policy has a great impact when determining your insurance premium.

5. Do your research when shopping for a new car

Certain cars are statistically more likely to be stolen or be involved in an accident, which raises the insurance premium that you’ll need to pay. If you are buying a new car, it’s worth checking with the Vehicle Information Centre of Canada to see the previous claims history for that vehicle.

Get a quote

Though Fort Saskatchewan car insurance coverage is standard throughout the province, premiums vary between companies. The best way to find affordable car insurance is to compare quotes between insurance companies.

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