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Here are some factors that affect your auto insurance premium:

 

  • The coverages and deductibles you select
  • The make, year and model of your car
  • The area in which you live
  • The usage, the route, and your annual mileage
  • The number and age of drivers who can drive your vehicle
  • Your previous claims and traffic violations
  • Your type of employment
  • Il you have a criminal record

 

How to get discounts and reduce your premium

 

  • Insure more than one vehicle with your insurer
  • Insure both your auto and home with the same company
  • Sign up for a 2-year contract, which some of our insurers offer
  • If the vehicle is old, you can drop some guarantees (e.g. collision)
  • Increase your deductibles
  • Avoid tickets to maintain a good driving record
  • Equip your vehicle with a certified antitheft system
  • Buy an economy-class or hybrid car
  • Have new drivers take a driver's training course
  • Buy a vehicle instead of renting one
  • Take advantage of special programs offered by some of our insurers.

 


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