How to Get Affordable Car Insurance in Calgary

If you’ve recently purchased a new car or your existing vehicle is up for insurance renewal, it can be exhausting to find the right policy within your budget. Your auto insurance in Calgary is a significant investment and thus, it is vital to take the right steps to ensure an affordable and practical insurance plan. We bring you some surprisingly easy ways to get affordable car insurance in Calgary.

1. Begin with Your Car

The cost you will pay for comprehensive and collision coverage are dependent on the model, make and year of the car you own. Normally, new and expensive cars cost more premiums so if you’re considering buying a new car and want an affordable policy, choose an inexpensive car.

2. Opt for the Highest Possible Deductible

If you want to lower your premium, one of the best ways to do so is to opt for a higher deductible. If you raise it to $ 1000 instead of $ 250, you will have to pay less money upfront. However, in case you get into an accident, you might have to pay more for the bill before your insurance money kicks in.

3. Narrow Your Searching Field

It can be overwhelming to see the amount of information and websites available for auto insurance in Calgary. It is best to limit your comparison to five or six top reputed companies or brokers that offer the best quotes for your requirement. Once you get the quotes, you can compare them based on the price and the coverage and choose the best plan.

4. Don’t Forget Those Discounts

Many insurance companies are now offering a host of discounts for their customers. These include lower premiums for students with good grades, for vehicles with safety features, retirees, and even for drivers with shorter commutes. Many companies also offer group discounts, multiple car discounts, and bundle discounts. When you speak to your broker, make sure to understand what all discounts you are eligible for.

5. Go Green

It’s not just good for the environment, but also for your pockets. If you can buy environment-friendly cars or green vehicles, many insurance companies will offer you a lower premium rate. An energy efficient model will help you save the environment as well as some extra dollars.

6. Review Your Policy for Add-Ons

Many companies now offer a range of add-ons that may seem tempting to buy but can cost a lot of extra money. For instance, if you have a second car, you might not need the rental car fees included in your policy as you’ll never need to use a rental car even if something is wrong with your primary car. Also, if you already have access to towing services, you can exclude that from your policy.

7. Opt for Usage-Based Plans

Safe drivers who don’t use their vehicles on a regular basis can choose plans that allow the insurance company to track your miles electronically. Based on your usage patterns, you can avail various discounts and cut down your premium costs.

Auto insurance in Calgary can be an expensive affair if you don’t invest enough time and thought in choosing affordable policies. By following these simple tips, you can save hundreds, if not thousands, of dollars on your premium costs.

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