Make 2019 the Year You Pay Less for Your Car Insurance

Join the over 7 million drivers who searched Kanetix.ca for lower car insurance rates

It's that time of year again, to forget the mistakes of the past and look forward to a new year of opportunity. And when it comes to your car insurance rates, there's a lot of opportunity to save.

Increase your car insurance deductibles

Save five to 10 percent on your auto insurance premiums simply by raising your deductibles. A deductible is the portion of an insurance claim you agree to pay, so the higher your deductible, the lower your car insurance rate. Keep it affordable though because this is how much you'll have to pay out of pocket in the event of a claim.

Bundle your insurance policies

Save even more by bundling your insurance policies. It's called a multi-line discount and it can save you up to 15 to 20 per cent on your coverage. Usually, people bundle their auto and home insurance together, but don't overlook other policies you may have that could result in a discount: a motorcycle policy, RV & Trailer, and even an ATV or snowmobile policy could qualify too.


Pay upfront

If you can afford to pay your car insurance premium annually, rather than monthly, at the end of the day you'll pay less for your coverage. Many companies charge a little extra to cover the cost of administering payments every month, so if you can pay your premiums in full, you'll avoid those pesky administrative fees.

Consider a usage-based insurance program

A usage-based car insurance (UBI) program can typically save you five per cent just for signing up, with additional savings of up to 25 per cent for drivers with good driving practices.

Also called telematics, UBI programs monitor a driver's driving habits to offer insurance rate reductions to good drivers. These programs take into account things like how fast a driver accelerates and brakes, what time of day they drive, trip duration, and speed, among other factors. Get auto insurance quotes today from providers who offer a UBI program if this is a savings tool that you'd like to explore further.

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Shop around

It goes without saying that we're keen on comparison shopping, but it is absolutely one of the easiest ways to save. Rates often change—not just with your insurance provider, but all providers—and the company that offered you the best rate the last time you shopped around may no longer offer you the best deal today.

Be confident that you're getting the best car insurance rate in 2019. Compare quotes at Kanetix.ca to start the new year off right with lower auto insurance premiums.

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