How To Keep Toronto Insurance Rates Low

Car insurance does not have to be expensive

Car insurance does not have to be expensive. There are a number of ways to lower it without having to spend a lot of money. By being practical and following some basic safety rules, the car will be at lower risk for damage and the driver less likely to have driving mishaps and violations. This will lower the price for Toronto car insurance.

Drive Safely

Keeping a careful lookout while driving is one way to reduce the chances of being in an auto accident in Toronto. Ontario vehicle insurance costs less for drivers with fewer accidents. By driving carefully, there is also less wear and tear on the vehicle, which makes it last longer and less likely to break down. Slowing down to the speed limit makes for less use of brakes.

Auto Protection

There are many ways to keep an auto safe. Prevention of break-ins and auto theft reduces the number of claims on auto insurance in Toronto. Keep the doors locked at all times, even when it is parked in the driveway at home. Do not leave it unattended for more than 24 hours in an unfamiliar place, such as the airport. Instead, take a taxi or have someone drop off and pick up the travelers as needed. For those living in a high risk neighborhood, consider investing in a car alarm system. This will act as a deterrent to theft. If the vehicle is stolen, many alarm systems now have a tracking system to help recover the vehicle swiftly.

Ask An Agent

Auto insurance agents know of many discounts available to auto owners. There are reduced rates available for safe drivers, good students and those involved in driving safety programs. When driving habits change, such as the employment location or the number of adult drivers with a full permit, the agent should be notified.

Age

Drivers with G-1 or G-2 permits have higher risk of collisions, traffic violations and tickets. As a result, rates to insure are usually higher. By limiting the use of a vehicle to those with a G driver's license, the cost to insure it will go down. For those that have young drivers in the family, it is less expensive to limit the driving privileges to one vehicle in the household rather than letting the youngster drive all vehicles.

Vehicle

The type of vehicle driven has a strong impact on how much it costs to insure it in Toronto. A brand-new sports car, for example, is more expensive than a family sedan that has been on the road for three or four years. Purchasing a less valuable vehicle will also lower the premium.

by: Christine Harrell

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