icandrive.ca Provides the Top Ten Tips to a Lower Ontario Car Insurance Rate

July 2, 2013

These tips from icandrive.ca will help drivers obtain the lowest car insurance quotes in Ontario. From raising the deductible to checking available discounts and combining policies, drivers are sure to benefit from these top ten tips.

(PRWEB) July 02, 2013

Everyone wants lower car insurance rates, and there are a lot of myths and rumors floating around about just how to bring the premiums down. Getting the cheapest car insurance in Ontario without sacrificing coverage is absolutely possible, and there are a number of ways to go about it. These top ten tips will help Ontarians pay less every year while keeping the peace of mind of great coverage.

1. Raise the Deductible. Don’t be afraid to carry a higher deductible; it only applies when collision coverage is used. So the longer a driver goes without an accident, the more money saved. Most people come out ahead in only a few years with a higher deductible.

2. Double Check Discounts. Not every discount will be applied to automatically. Ask the insurance company for a list of available discounts. There are many discounts available that drivers may not be aware of.

3. Combine Policies. Combining an auto policy with a home, tenant, and even life or other insurance policies not only reduces auto insurance rates, it can also reduce the premiums on other policies as well. When getting Ontario car insurance quotes, ask them to quote other policies..

4. Pay In Full. Many insurance companies offer a discount if the policyholder pays the full amount at the beginning of the term. Drivers will also save on any service fees that are often charged on monthly accounts.

5. Shop Smart When Buying a Car. When looking for a new car, be sure to consider insurance rates and not just car loan payments. Some cars are much more expensive to insure than others, so quote before buying. By getting car insurance quotes Ontario drivers can make sure they don’t buy a car that will come with big surprise on the insurance bill.

6. Review the Policy. Reviewing the policy yearly on renewal can make sure all information is correct and anything that could mean a lower rate is changed, like a shorter commuting distance or a car that’s rated with the wrong driver. Car insurance companies don’t always catch those things, so keep tabs on the policy.

7. Drop Coverage that is not Don’t Use. There is no reason to pay for rental car coverage if it is not used. If the driver already has a roadside assistance plan elsewhere, such as CAA, there is no need to be paying premiums to have including on the policy. Chipping away at the options never used can result in big savings.

8. Add Security Features. Not only will the car be safer from theft, but a good security system will also earn a discount on car insurance. The cheapest car insurance in Ontario is available to those who are a lower risk to the insurance company; a car less likely to be stolen is a lower risk of a claim.

9. Use Winter Tires. Using a set of winter tires during the cold months is another way to get a discount on car insurance. It also makes it safer on the road and less likely to have an accident, which keeps insurance rates low.

10. Shop Around Regularly. The best way to make sure to pay the lowest rate possible is to compare Ontario insurance quotes regularly. Once a year on renewal is the most common time to do this, but shop around often, and at any point in the policy term to find out how much can be saved.

About icandrive.ca

icandrive.ca helps Canadian consumers connect with insurance brokers and agents to get the lowest possible insurance rates. Compare insurance rates from over 30 insurance companies through our compare a quote tool. Our business is dedicated to providing the most up to date and useful insurance related information to Canadian drivers. By showing how and where you can save money you can benefit from all the available savings and pay less for your insurance coverage.

For the original version on PRWeb visit: http://www.prweb.com/releases/2013/7/prweb10883180.htm

Source: prweb

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