Have you looked at bundling your insurance together?
Some insurance companies will offer special discounts when you have multiple items insured with one company. This multi-policy discount can be included when bundling your car insurance with your home, renters, motorhome and more.
Have you authorized a soft credit check?
Soft means the check will not negatively impact your credit score. Insurance carriers like knowing the credit score of their clients. While those with better credit scores can save up to 30% on their insurance premiums, almost everyone who allows for a credit check saves something.
Have you cleaned up your file?
This may sound out in left field but sometimes people forget who and what they have on their insurance policy. If your adult child is still on your insurance policy but has moved out and driving his/her own vehicle, it is still impacting your rate. Simply moving the driver will save you money.
How do you use your vehicle?
Do you use your car as a commuter vehicle (to drive to work) or just for pleasure use? Cars used to commute to a workplace daily have a greater chance of getting in an accident. The further the drive, the bigger the chance. Insurance companies consider this when determining car insurance premium.
Maybe you are now retired but are still driving the same vehicle you used to drive to work. Maybe you used to work in an office and now operate from a home-based remote workspace. Maybe you purchased a second vehicle and drive that to work but didn’t update the use on the first one…
If you used to use the car as a commuter vehicle but the insurance company isn’t aware, you may have some easy insurance premium savings to capture.
If you have two vehicles in your household but only one drives to a workplace, it is important to know how both are rated. You may be able to remove the commuter status from one of the vehicles to save premium while still ensuring the other vehicle is protected to go back and forth from work.
Have you shopped your insurance rates?
Rate comparison is a big factor in reducing insurance premiums. At Bryson, we do this shopping with (or for you) with many leading insurance carriers in Ontario. Every insurance carrier has a different appetite. When it comes to providing a competitive premium, you want to ensure your situation best matches the insurance carrier.
Companies will rate people differently depending on several factors including where the auto is stored, where it is located, age of drivers, driving history and more.
It is our job to understand the insurance markets to ensure your insurance profile best matches your insurance carrier.
Have additional questions about car insurance or want to find out how much we can save you? Give our office a call at 1-800-661-5196 or email us at email@example.com