Top 10 Tips for Affordable Car Insurance

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6. Drive with caution and care

Drive Safely

Your driving record is one of the most influential factors in determining your insurance rate. Tickets affect your insurance rates for up to three years and accidents stay on your record for at least six or seven years depending on where you live! With a bad driving record, you can find yourself paying a lot of extra premium over the years or without an insurance company at all.


7. Drive a “low-risk” car

Low risk car

Insurance rates for cars are based on the previous claims history for that vehicle. The more likely a car is to be stolen or in an accident, the more you pay for your insurance – a known fact. If you are buying a new car, check with the Vehicle Information Centre  or compare quotes to see how your dream-car will  rate.  You wouldn’t want to be stuck with a car that will cost you an arm and a leg to own and drive.


8. Alternative means of getting work

Bicycle commuter

The more you are on the road, the higher are your chances of getting in an accident. Insurance rates are higher for people who commute to work. So taking the bus or sharing a ride will not only help you save on parking and gas, but will help lower your insurance premiums.


9. New driver? Take a driver’s training course

auto insurance 2

Licenced drivers who have completed an approved drivers training course in the last 3 years pay lower premiums. Safer drivers always pay lower insurance rates – no matter what.


10. Have an anti-theft device installed in your car

at risk driver

Auto insurance companies recognize that  your car is less likely to be stolen if you have an anti-theft device installed in your vehicle. Check to see if your company offers this “Alarm or anti-theft discount” and consider if the price of the device is worth the added savings over the years. If you already have an approved, factory-installed alarm in your car, your insurance company will always take it into account when determining your rate every year.


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