With warm weather, sunshine and more time spent outdoors, summertime is the season of fun. From health to finances and everything in between, summer is also the perfect time to make a positive change in our lives – and that includes our car insurance.
Why not take the opportunity to do some good for your budget and save on car insurance? Here are a few ways that you can help lower your auto insurance premium this summer.
Become a Safe Driver
First and foremost, driving safely and defensively is not only the number one way to help ensure your safety behind the wheel – it’s the best way to save on your car insurance premium.
Get acquainted with defensive driving techniques and put them into practice each and every time you’re behind the wheel, so that you can maintain a clean driving record and begin saving on your insurance premium.
Combine Your Policies
Many insurers offer discounts when you combine your home and car insurance policies, giving you savings if you buy both auto insurance and property insurance from the same insurer.
Consider Desjardins’ Multi-line Discount, which offers you up to 20% savings on your premium when you insure both your home and auto insurance with Desjardins. Plus, their multi-vehicle Discount means even more savings when you insure more than one vehicle with Desjardins.
Don’t be Afraid to Shop Around!
When it comes to your car insurance quote, it pays to shop around. Don’t be afraid to compare quotes from multiple insurers – you may very get a better quote from your third or fourth option than the first or second insurer that you try.
Get quotes from at least three different insurance companies, by calling them directly or researching them online – that way, you’ll know that you’re getting the lowest possible premium.
Get Informed on Insurance Myths
From the classic “red car” myth to the misconception that higher premiums mean better coverage, the auto insurance world if full of myths that simply don’t add up.
That’s why it’s wise to get informed, separating car insurance myth from reality – because the colour of your vehicle has nothing to do with the price of your insurance, and a higher premium certainly does not mean that your coverage is automatically better! Read our guide on debunking insurance myths to make sure you’re separating car insurance fact from fiction.
Ask Your Insurer About Discounts
Many insurers provide several kinds of discounts that can help you save considerably on your car insurance premium.
For instance, Desjardins offers many different ways for you to save on your car insurance, including:
- Winter tire savings – where you can save 5% off of your premium when you equip your car with winter tires
- Driving a hybrid vehicle
- Installing an approved anti-theft system
- Loyalty savings
- Parking in a garage or private driveway
- Student rates – where you can save up to 10% off of your premium if you are a full-time student under 25 years of age.
- Ajusto – get rewarded for good driving and save up to 25%
Review Your Coverage
No matter the time of year, it’s important to review your auto insurance coverage every so often, so that you can make sure that you’re not missing out on important coverage – or paying for coverage that you simply do not need.
Take a Defensive Driving Course
If you are a new driver, taking a ministry-approved driver education course can help you boost your driving skills tremendously – and help you save on your premium.
Ask your insurer if they offer discounts for new drivers who have taken government-approved defensive driving courses.
For more ways to save on your car insurance premium, consider our guide on car insurance savings. Because when it comes to your insurance, you deserve to be informed – and to take advantage of all the ways that you can save on your premium. For more information, auto insurance advice, or to get a quote, you can call Desjardins directly at 1-877-699-9923. Contact one of our agents today and see how much you can save!