Tips

Automobile :

Here are a few suggestions that will help reduce your car insurance rates:

Drive cautiously

For insurance your driving record remains a determining factor that will influence your rates for three years. Accidents remain on your record for six years. Drivers with fewer accidents and who show cautious driving can expect to receive lower insurance rates.

Drive a lower risk vehicule

Some models of vehicule are more popular with thieves, have higher repair costs, or are more frequently involved in accidents. Before buying a new car, check the cost of insurance; it might affect your choice.

New driver? Driver's education course

New drivers who completed a driver's ed course within the last three years pay a lower rate.

Install an anti-theft system

Even if your insurer doesn't require it, your vehicle is less likely to be stolen if it is equipped with an anti-theft system. This can have a positive effect on your rate.

Increase your deductible

The higher your deductible, the more you save on your rates. Obviously, if you do have an accident, you will have to pay a larger portion of the costs.

Group your home and car insurance

By having your home and car insurance with the same insurer, you receive a discount.

Take advantage of public transit

Insurance rates are higher for those who use their car to go to work. The use you make of your vehicle influences the rate. As much as possible, use public transit to go to work.

Habitation :

How to reduce your home insurance rate :

Learn about the area around your home

The physical characteristics of your home and its environment have an impact on your rate. The building's physical risks such as its age, the number of dwellings, the terrain, and fire protection will influence your rate. Get the information from an agent before moving in.

Install an alarm system

A fire and theft alarm system link to a central surveillance system will help you save.

Increase your deductible

If your financial situation permits, increase the amount of your deductible. A higher deductible reduces your rate, but you have to be prepared to pay it in the case of a claim.

Maintain a good claim history

If you have made several claims in the past, you are a higher risk for insurance. Your claim record will influence your rate.

Group your home and car insurance

By having your home and car insurance with the same insurer, you receive a discount.

Check the contents of your insurance policy

Compare the extent of the coverage, the value of your goods to be insured and the supplementary guarantees. Have you made any major purchases in the last year? Have you decreased the inventory of your goods? Has the value of your goods decreased? These are reasons to increase or decrease the value of your insurance.

Make an inventory

Make a video or take pictures of your apartment or house. Take pictures of your personal effects and keep them in a safe place. In the case of a claim, a record of your goods will be available. It's also an excellent way to estimate the value of your goods.