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Smile, even with renewals
Oh my, your insurance premium increases with each renewal? Don’t panic!
Every time you renew your car insurance, it’s like she’s decided to do some stretching, and guess what? Your premium tends to increase, especially if you’ve made a small claim. However, don’t worry, because there are some cool ways to keep her in check.
1. Rating Smart: The Key to a Top Premium
Savings in your pocket? It’s possible!
Take a moment to assess your needs and shop around for car insurance every two years. This will help you always get the best possible premium. Yes, it’s a bit like shopping for savings, but for your insurance!
2. Lighten up with an Insurance Broker
Every Minute Counts: Let a Pro Take Over
Okay, let’s be honest, this whole process can be tedious and time-consuming. But don’t worry, you don’t have to do it alone! You can hire a car insurance broker, who will take care of all this for you while you take a moment to relax.
Decipher Car Insurance Tips
Your Cool Guide to the World of Car Insurance
In Quebec, as soon as you drive a car as an owner or renter, it’s time to get car insurance. The law requires that each car be covered for civil liability, with a minimum of $50,000. But if you’re aiming for $1 million or $2 million, it’s like adding a cherry on the cake!
A Little Help in Case of a Glitch
This insurance covers you for small accidents with other cars or buildings. But keep in mind that if your own car takes a hit, it won’t be consoled. It’s a bit like it’s insurance waving at one side only.
Then, there are a variety of options:
The “oops” moments without collision (fire, theft, vandalism and broken glass)
The pile-ups
The “all risk”
The cool extras
As for bodily injuries, the SAAQ takes care of them.
What Makes Insurance Prices Dance
The Secret Recipe for the Perfect Price
To concoct a car insurance premium, several ingredients come into play. In addition, this premium can vary wildly from one car insurer to another, even for the same coverage. Not very cool, right?
Make your savings shine
The Royal Road to Cool Economies
To make your piggy bank shine, pay attention to a few cool things:
The choice of car (some models are a little more “picky” than others)
The installation of a super anti-theft system
A wise ride to show everyone how well behaved you are on the road
Fewer car rides, when possible
To save money, we advise you to do your little insurance shopping before each renewal. It may seem tedious, but trust me, it’s worth it!
Steps to Saving Without Worrying
No Need to Worry About Saving Money
Start by assessing your needs. No need to take useless stuff that will inflate your premium for nothing.
For example, if you have an old car that has already been around the world and is no longer worth much, you don’t need the same protection as for a new car.
To save money, don’t neglect deductibles. It’s like the amount you agree to put on the table in case of a problem. If you have a well-stocked wallet, a higher deductible can save you money.
Keep your risk tolerance in mind. “Ultra-all-inclusive” insurance costs a little more.
Winning combination: car insurance + home insurance
When Car and Home Insurance Become BFFs
Most insurers give you a nice nod if you decide to buy your car and home insurance from them. And if you combine car insurance with your other half’s, you’ll be entitled to a nice discount.
And don’t forget your hobby toys, insure them all in one place.
Cool Comparison: The Key to Savings
The Secret of Savings in Two Words: Compare, Compare!
To lighten your insurance bill, all you have to do is take a little time to compare offers. It’s a recipe that works every time. And it’s best to repeat this step at each renewal. Come on, don’t be shy, call the insurers you like. If you are short on time, opt for an online insurance comparison tool. It’s kind of like a nice friend doing all the work for you. You can then choose the most advantageous offer.
It’s also an opportunity to update your information and say if you’ve changed anything. For example, if you drive less, if you have installed a great anti-theft device, or even if you have moved.
