No matter which Edmonton car insurance company you use, there’s a fair chance that you’re currently paying more than you have to for your policy. Insurance companies have good intentions, but it’s just not feasible to go through every detail with every customer to ensure that the cheapest possible policy is in place. However, as an Edmonton car insurance customer, it’s perfectly within your rights to do a little bit of investigation. Read up on your company’s policies, and speak to a representative about any specific questions you may have. For starters, here are a few common ways to get discounts on Edmonton car insurance.
Perfect driving
This may go without saying, but the best way to make sure that you get the lowest rate possible is to keep a completely clean driving record for as long as possible. If you avoid accidents and stay away from getting tickets for driving violations, your rate should go down with time. Don’t hesitate to follow up with your Edmonton car insurance company on a regular basis to see if your impeccable driving record qualifies you for a lower rate.
Auto safety features
Edmonton car insurance companies realize that there are certain types of cars that are safer than others, and most companies are willing to charge lower rates for safer models. If you have a car that has been found by industry reviewers to be exceptionally safe, it can’t hurt to ask your company whether they’ll give you a lower rate. Also, if you have safety features such as automatic seatbelts, antilock brakes, and airbags, you may able to knock at least a few dollars off.
Job-based discount
Car insurance companies do research into which occupations are associated with higher or lower risks of accidents. So, for example, let’s say you’re a teacher. If your Edmonton car insurance company has found that teachers are above-average drivers when it comes to safety, you may qualify for a lower rate. In any case, it can’t hurt to ask.
Combination deals
If you have other types of insurance through a certain company, you may be able to get a discount by getting your car insurance through the same company. Meanwhile, if you have other drivers in your household, packaging your policies together is a great way to get savings.
Higher risk
Some Edmonton car insurance companies will permit you to pay a lower monthly rate if you agree to pay a higher deductible in the event of an accident. This is a risky deal, but if you genuinely feel that you’re one of the safest drivers on the road, it might be worth it. Just be prepared to pay a significantly higher fee if an accident happens.
Consult with a pro
If you’re still not sure if any of these potential discounts apply to you, you can benefit from a consultation with a licensed professional who is knowledgeable about the Edmonton car insurance industry. Your consultant can take you through your policy and work with you to identify areas where you may be eligible for savings.
