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7 things to do now to get the best deal on your home and car insurance

7 things to do now to get the best deal on your home and car insurance

Insurance is one of those adult things you think you’ll never need until you suddenly do.

While it’s tempting to sign up for a basic policy just to tick “buy insurance” off your to-do list, it pays to shop around for something that fits right in with your lifestyle and budget.

Of belairdirectfor example, you can better control your premiums (using their automerit program), plus discounts and add-ons.

They even have a slick app where you can find all your policies and make and track claims, all in one place – no more searching through a file cabinet for your statements (it’s 2022, after all).

It’s a wise move (and, in some cases, obliged) to buy insurance, and it’s normal to feel a little overwhelmed with the whole deal.

To help you become a money-saving machine, here are seven tips for lowering insurance rates that you can arm yourself with.

Bundle your home and car insurance

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Bundling your home and car insurance is one of the easiest ways to get a lower rate.

You can usually save on any when you combine your home and car insurance† And if you then file a claim involving both, you only have to pay one deductible.

Plus, everything is bundled, making it quick and easy to manage.

Put some extra security in place

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Setting up alarm systems (such as a burglar alarm system or monitored fire alarm system) can often help lower your insurance rates.

In addition to saving you money on your premiums, these measures can also prevent you from falling victim to theft or serious damage.

Making sure your fire alarms have batteries and maintaining your roof and gutters can also help prevent avoidable (and expensive) damage.

Ask about discounts for multiple vehicles

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This tip feels like a real life hack because you can lower your rate just by calling.

If several family members in your household drive, you can often save for everyone with a discount for multiple vehicles

There are usually some eligibility requirements, such as all cars must be stored at the same address, so check with your insurer.

Protect your good driving record

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Staying under the speed limit, braking smoothly and not texting while driving will help you be a safe driver and also keep your insurance rate low.

While your driving record plays a big role in determining your auto insurance rate, some companies may reward your safe driving live

For example, if you enable automatism In the BelairDirect app you can save on your insurance premium when it’s time to renew – as long as you’ve been driving safely.

Take advantage of available discounts

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Whether you are a pupilget a working discount or are older than 50 years, there are ways you can save by just being yourself. Contact your insurer to find out what offers are available.

Many providers will also reward you for being a loyal customer, so keep an eye out for discounts when your policy renews.

Adjust your policy when things change

Volodymyr Melnyk | Dream time

Did you know that many factors, such as how much you drive, can affect your insurance rates?

For example, if you’ve been working from home and the mileage you drive each week has dropped dramatically, this could lower your insurance rate.

When living conditions change, it is always worth checking with your insurer to see if you can score a lower rate.

Sign up for accident forgiveness

Nomadsoul1 | Dream time

Even for safe drivers, accidents happen and insurance rates are rising. For some extra peace of mind, sign up for Forgiveness of accidents

The Accident Forgiveness Note is an optional extra that can help prevent your premium from increasing after a collision (as a result of your first at fault accident). This can save you a lot of money in the long run.

Each province has different requirements that you must meet to qualify, but you’re usually good to go if you have a clean driving record.

It’s worth taking the time to shop for insurance that fits your life, needs, and budget. And with these kinds of tips, you will never have to pay more than is necessary for your home and car insurance.

The best way to save is to go with a provider who will help you create a plan that’s tailored to you — like belairdirect

They have great rates and make it easy to manage all your policies and claims with the belairdirect app† And with features like automerit, you have the ability to keep your rates where they should be.

For more information on how to save on your home and auto insurance, check out belairdirect’s website or follow them InstagramfacebookTwitter and YouTube

This content is for general informational purposes only and does not constitute financial, investment, legal, tax or accounting advice.

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