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While insurance coverage is an investment, some policies are more expensive than others. Auto insurance in St. Albert is one of the most expensive there is. In addition, it is one that most car owners pray they never have to use. But, despite its relatively high premiums, it is imperative that one gets the right auto coverage. After all, it will cost a lot more to buy a new car than repair your current one, in the event of an accident.
So, how does one keep the auto insurance premiums low without cutting back on the risks covered? Below are some tips to shed some light on this.
Perform an Annual Check on Rates
If you have been with a particular insurance company for a long time, it might be a little bit challenging to get another company offering you rates that beat your current premium offers. This is especially true if you have not been involved in an accident and have not filed a claim in the recent past.
However, if these conditions do not apply to you, comparing auto insurance coverage premiums between different companies and switching to the cheaper option will help you save money.
Making the comparison of these insurance companies is easier today. This is because of the numerous insurance review sites online. You can also communicate directly with these companies. However, be advised that it may take a while to receive feedback on the quote requested.
If you do not have the time for such research and comparison, consider hiring an independent insurance agent who will do the heavy lifting for you.
Pick the best Insurance Company
When searching for the best car insurance in St. Albert, most people consider the cost of the premiums. Most times (if not all the time), car owners choose insurance policies with cheaper premiums.
But, low premiums do not always mean the policy is the best or that the company has your best interests at heart. Why? Well, some companies make up for the low premium rates by forcing you to incur extra costs by demanding that you purchase original parts for repairs, for example. With time, this could cost you more than what was saved on premium rates.
Be on the Lookout for Discounts
Companies that provide auto insurance in St. Albert have a wide range of small discounts that are worth looking into. Most of these discounts are usually based on having a low-risk lifestyle. If your insurance company does not point out these low-risk lifestyles, be sure to question them. Below are some of the most common discount qualifiers:
- New drivers who have gone through driving school and passed
- Older drivers who have undergone refresher courses
- A driver who knows defensive driving
- Safety and anti-theft equipment
Multiple Insurance Policies
Having multiple insurance policies attracts unbeatable discounts. However, you should always compare the cost of working with only one insurance company versus picking different companies for your different insurance policies.
With the above tips for getting car insurance in St. Albert, you should be good to go. There are other tips that can help you save more, but these will definitely get you started.