Finding an inexpensive car insurance policy that suits your coverage needs can be daunting. Insuring a vehicle isn’t cheap, but there are ways to reduce the costs.
distracted driving conviction. Your driving record is one of several factors insurers weigh when determining your premium. The other factors they look at include the type of vehicle you drive, how many kilometres you drive annually, whether you use the vehicle for commuting to work or not, your age and gender, and where you reside.
– having no collisions or serious traffic violation convictions like, for example, aAsk yourself, how much do you use your car? The more kilometres you drive annually raises the risk of getting into a car accident, therefore, you’ll pay a higher premium. If you use your vehicle to get to work each day and especially if have a long commute, that too will up your rate.
It’s not always possible to go about your daily business without driving a car, but if you can find ways to get around driving daily or long distances, there are benefits to be had for driving less, including:
If you don’t typically drive a lot, signing up for a usage-based insurance (UBI) program might be the right choice for you. Some car insurance companies offer UBI programs that allow you to pay-as-you-go. In other words, your premium price is determined by how many kilometres you drive each year. Other UBI programs focus on safe driving habits and provide discounts for consistently demonstrating safe driving behaviours such as obeying the speed limit. Either program type usually includes an enrolment discount for drivers who sign up.
No matter how much you drive, one of the best ways to find an affordable car insurance policy is to take advantage of getting quotes from a broad range of insurers using RATESDOTCA’s free online premium comparison tool. Explore your options and get the coverage you need that suits your budget.