10 Ways To Save On Your Ottawa Car Insurance
Drivers in Ottawa pay one of the highest insurance rates in all of Canada, so it’s crucial to be proactive about your insurance so that you get the best coverage for the cheapest rate. Here are some things you should keep in mind when looking for car insurance in Ottawa.
- Prepare For Winter Weather
Ottawa winters are known for their heavy snowfall. Ontario does not require mandatory snow tires or winterizing of vehicles, but you’ll receive a discount on your car insurance and drive safer if you prepare your vehicle for the colder months.
- Remove Collision And Comprehensive Insurance On Older Vehicles
Collision and comprehensive coverage are in place so that if your vehicle is damaged beyond repair, you get a replacement of that vehicle. If you’ve purchased a used car that’s valued at less than $3000, it’s not worth it for you to have comprehensive insurance, because you’ll likely be paying close to that for the insurance after a couple years. However, if your car can be repaired then you may need to take it to a maintenance shop similar to a car repair Mooresville, NC garage like Two Fingers Automotive, for example, so you can see how much that would be and if your insurance is worth it.
- Ask About Discounts For Your Vehicle
Many insurance companies have discounts that they won’t offer you if you don’t ask. You’d be surprised at some of the discounts available to you. Ask your broker next time your vehicle is up for renewal.
- Invest In Driver Training
Getting training of any kind, especially as a new driver, dramatically lowers your car insurance premium. Drivers who take a course are also less likely to get involved in a collision, and will therefore have lower insurance premiums year over year.
- Choose And Vehicle That’s Insurance Friendly
There are certain kinds of vehicles that are automatically cheaper to insure. When you’re looking for a new vehicle, take into consideration a make and model that will save you money.
- Pay Your Insurance Premiums In Full
Paying your insurance premiums at one time will help keep your costs low, and you’ll avoid fees for late payments.
- If Your A Student, Keep Up Your Grades
Did you know that if you’re a student, your good grades can help lower your car insurance? Check with your broker to see if you can get a discount based on high marks at school.
- Be Diligent About Updating Your Information
If you recently switched jobs and don’t need to drive as much, or find yourself driving long distances often, update your insurance policy to make sure that you’re not overpaying, and also that you’re fully covered in the event of an accident.
- Don’t Let Your Policy Auto-Renew
It’s tempting to just let your policy auto-renew, but if you do you may be leaving money on the table. Your renewal period is a great time to do more research on car insurance quotes in Ottawa, and possibly get a better price from a different provider.
- Adjust Your Policy For Seasonal Vehicles
If you have a vehicle that you only drive in certain seasons, let your insurance company know this when you’re looking for a policy. When you drive your car factors into your premium, and if you’re not driving your vehicle all year round, you may be overpaying unnecessarily.
Finding the best car insurance quotes in Ottawa can be a daunting task, but when you know what you’re looking for, it’s much easier to find the cheapest car insurance for your vehicle.
