What you pay for auto insurance varies by:
1. What you buy
The coverages you buy
The deductibles
2. What kind of car you drive
Generally, the more expensive the car, the more you pay.
If you’re shopping for a car, consider how your choice will affect premiums. Some insurers increase premiums for cars more susceptible to damage or occupant injury, and lower rates for those that fare better than the norm.
3. Where you drive
Generally, due to higher rates of vandalism, theft and accidents, urban drivers pay more for insurance than those in small towns or rural areas.
4. How much you drive
People who use their car for business and long-distance commuting normally pay more than those who drive less.
5. Your driving record
Drivers who cause accidents generally must pay more than those who are accident-free for several years.
What can I do to save money on my auto insurance?
Choose a car that costs less to insure.
Consider joining a car or van pool, or finding other transportation to work. If you reduce your driving mileage enough, you may lower your premiums.
Drive carefully.
You may be eligible for a discount!
Ask about discounts for good students, having more than one car insured, accident-free driving, and others.
Please select a province to learn more about the specific discounts available in your area:
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Auto insurance prices do varies from provider to provider. I have realized that every provider has their own technique and calculation algorithm to quotes prices which are based on variety of factors. The factors that you have listed are the one that are common to all. Thanks for posting them and suggesting points that will help to get a discount.
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