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There are multiple articles titled "7 ways to save on car insurance" or "5 Tips to lower your auto insurance costs" etc, but would it not be great to have all those saving tricks and discounts at one place? Below you will find such a list for Auto insurance. This list is a comprehensive overview of all opportunities to save on car insurance in Canada, and was compiled based on the results of numerous discussions with insurance brokers and through analyses of different insurance offerings.
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1. Shop around: Search, Compare, and switch insurance companies. There are many insurance providers and their price offerings for the same policies can be very different, therefore use multiple online tools and talk to several brokers since each will cover a limited number of insurance companies.
2. Bundle: Do you need Home and Auto Insurance? Most companies will offer you a discount if you bundle them together.
3. Professional Membership: Are you a member of a professional organization (e.g. Certified Management Accountants of Canada or The Air Canada Pilots Association)? Then some insurance companies offer you a discount.
4. Students: Being a student alone can result in a student discount.
5. Alumni: Graduates from certain Canadian universities ( e.g University of Toronto, McGill University) might be eligible for a discount at certain Insurance providers.
6. Employee / Union members: Some companies offer discounts to union members.
7. Seniors: Many companies offer special pricing to seniors.
8. Direct insurers: Have you always dealt with insurance brokers / agents? Getting a policy from a direct insurer (i.e. insurers working via call-center or online) often can be cheaper (but not always) since they do not pay an agent/broker commission for each policy sold.
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9. Annual vs. monthly payments: In comparison to monthly payments, annual payments save insurers administrative costs (e.g. sending bills) and therefore they reward you lower premiums.
10. Loyalty: Staying with one insurer longer can sometimes result in a long-term policy holder discount.
11. Annual review: Review your policies and coverage every year, since new discounts could apply to your new life situation if it has changed.
12. Welcome discount: Some insurers offer a so called welcome discount.
13. Benchmark your costs: Knowing how much other consumers similar to you pay for their insurance can help you identify the most cost-friendly insurance providers.
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14. Car Insurance Deductibles: Increase your car insurance deductibles if you believe that you are capable of incurring higher payments for damages in case of an accident. This is especially suited for more experienced car drivers.
15. Being a second driver: Driving a car only occasionally? Become a second drive instead of being a principal driver
16. Minimal coverage: Driving an old car without large value? Get a minimal coverage required by law (mainly liability) w/o collision damage (you are still protected if you damage somebody's car but damages on your car will not be covered)
17. Minimal Coverage: Driving an old, inexpensive car? Then only get a minimal coverage plan which is required by the law (mainly liability) without collision damage coverage (does not cover damage costs for your vehicle)
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18. Leverage your Credit Card: Check if your credit card insurance includes rental car protection. Paying with a card that has insurance for rental car protection can you save you around $20 per day in Collision Damage Waiver fees.
19. Leverage rental car coverage: If you frequently rent cars and have an auto insurance policy, you should check if your own auto insurance policy actually covers the rental car. If it is the case, you can save on all Collision Damage Waiver costs for rental vehicles.
20. Rental car rider: If your existing auto insurance policy does not cover your rental car, you can often add it as a rider (policy extension) for $20-30 dollars a year. Compared to $20/day you would pay when renting a car, it's not a bad deal!
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21. Location, location, location: Car insurance costs are different from one province to another (e.g. moving from Ontario to Quebec will surely reduce your insurance costs by half). If you move within a province, you should check for any changes in car insurance costs, and ideally you should move to where costs are lower (e.g. Burlington, Ontario has one of the highest car insurance rates in Ontario)
22. CAA member: CAA Members: Are you a member of the CAA? Some insurance providers will reward you with lower insurance premiums, including, of course, the CAA.
23. Dashboard camera: Get a dashboard camera for your vehicle. Even though installing a dashboard camera does not result in direct savings (insurance companies do not offer any insurance discount related to dashboard cameras) but it can prove you not-at-fault when it is the case in an accident. It results in you avoiding unfair premium raises.
24. Driving Course: Successfully completing a driving course is sometimes recognized by some insurance providers and could help you reduce your premiums.
25. Improving your driving record: Do you have a bad driving record? Every three years previously incurred tickets are removed from your insurance history and your insurance premiums can go down.
26. At-Fault Accidents: Have you been in a couple of accidents in the past where you were at fault? With a little patience (six years with no accidents), your risk profile will improve allowing you to once again enjoy reasonable insurance premium rates.
27. Age: Senior drivers enjoy lower auto insurance premiums. Thus in several years your premiums can go down.
28. Car Make and Model: Wisely choose your car, as some car models are more susceptible to theft or even have a history of more risky drivers (e.g. Toyota Camry, Acura MDX, Toyota RAV4, and Honda Civic are usually quite expensive to insure)
29. Good Student: Yes, having good grades can have many positive impacts, and even on your auto insurance rates! E.g. one insurance company rewards students who are younger than 25 and have good grades (grade average of B or higher) with a discount up to 25%.
30. Multiple-cars-bundle: Bundle several cars on one policy and your rate can go down
31. Anti-theft system: Installing a certified anti-theft system in your car results in a lower risk of theft and thus can lead to insurance discounts.
32. Winter Tires: Having winter tires is important for driving safety during the winter, but can also help reduce your insurance premiums.
33. Repair costs: Choose a car that would cost less to repair in case of damage. The repair costs for certain cars (e.g. Mini Cooper or BMW) are higher than other (e.g. Ford Focus) and insurance providers are aware of that.
34. Claim History: Keeping a clean claims history can sometimes be more financially feasible than submitting claims for small damage repairs which could result in increased premiums. Contacting an insurance provider/broker could help you find out what makes sense.
35. Being married: In most provinces your marital status affects your insurance premiums (except in Nova Scotia)
36. Short distance to work: Finding a house close to your place of work reduces the distance that you need drive daily to work and thus results in lower insurance premiums.
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38. Drop glass coverage: For cars with inexpensive windshields, it can be more economical to drop the glass coverage since in combination with the deductibles to be paid in case of an accident you'd pay more. It is up to you to calculate.
39. Retiree Discounts: Some insurance companies will offer different retirement discounts for drivers.
40. Disabilities: Some companies offer discounts for people with disabilities.
41. Hybrid vehicles: Many companies award driving a hybrid vehicle with lower insurance premiums.
42. Private Garage: Parking your car in a safe location (e.g. private or secure garage) normally results in lower insurance premiums with auto insurance providers.
Alex Saltykov is a Co-Founder of InsurEye Inc, a Canadian company that provides online tools for consumers to educate them about insurance, create transparency in insurance market place in Canada and connect consumer with insurance brokers in Ottawa, insurance brokers in Montreal and all across Canada.
Alex spent years advising insurance clients both in North America and Europe while he was working for one of the leading management consulting companies. His areas of expertise are insurance, interactive consumer services, innovation, IT and operations.
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Compare Cheap Insurance Quotes - Save Time and Money by Comparing Cheap Insurance Quotes
How does your decision to compare cheap insurance quotes on the internet help you save precious time and money? The insurance market has become so competitive that it is impossible to identify a single insurance company as the best one around. There are many variable factors including the type of insurance that one wants, income and lifestyle of the individual, the asset that one wants to insure and the amount of premium that one is prepared to pay. In such a scenario, one cannot blame an individual for opting to compare cheap insurance quotes instead of entering the confusing world of insurance analysis.
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How do you save money when you compare cheap insurance quotes? If you opt for quotes comparison, chances are very high that you will quickly identify the cheapest and most beneficial insurance policy for your life, car, home or any other asset. You will get a clear tabular analysis which will tell you how much one has to pay for each and every policy under consideration. If you do not compare cheap insurance quotes, you will have to prepare a comparative statement manually. This is next to impossible considering the fact that the average individual is rarely, if ever, conversant with how insurance policies work.
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Another reason why one should compare cheap insurance quotes is that it helps save a lot of time. Getting quotes online helps you get all the information you want in a jiffy. You need not visit each and every insurance company is office just to compare cheap insurance quotes. You need to state the amount of coverage you want and the amount of premium that you will have to pay will be flashed on the screen instantly. You can also get quotes through the telephone. In either case, a lot of time and effort shall be saved. If one considers the gas that one saves by avoiding visits to numerous insurance offices, the benefits of these free insurance quotes become even more significant. Never again will you have to take time out of your busy schedule to complete insurance related paper work. The web will help you take care of all that.
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It is important to compare insurance quotes before getting signed up with an insurance policy. When you compare insurance quotes you can rest assured you are saving both time and money because you are guaranteed to get the lowest insurance quote, Given the current recession it is important to make sure to prioritize your money and compare insurance quotes online. A good place to state would be an online website that actually allows you to compare insurance quotes online for free.
What to Look Out For in the Best Forex Online Trading Platform
What to Look Out For in the Best Forex Online Trading Platform
What do you need to look out for in the best Forex online trading platform? Customisability in all aspects. A platform should take into account that each investor has his or her own methods and mechanics, and that should be able to be translated directly into the mainframe of the trading platform. Too often investors get stuck with rigid programmes that do not have the flexibility needed to adapt to the character of the investor. While market psychology is very important in all respects, individual investor psychology is also one of the most important things and when one invests, one has to be comfortable with the platform that they are using.
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Another important thing is ease of use. It is appreciated that there has been a lot of mathematics and technology put into the software programme but it should be forced into the investor as a matrix in which he will be using to interface with the Forex market. The platform has to be easy to understand and easy to use so much so that even the casual investor can understand its mechanisms and start to use it right away. Investing already is difficult and investors and prospectors of a market commodity should have to be wrestling with steep learning curves when it comes to working out their trading platform. In every sense of the word, trading should be easy to spark - there are so many other aspects of the trade that need learning and practice, and the platform should not be one of them.
The best platforms out there have a lot of mathematics behind it, and this is because those who created the programme understood that currency and currency behaviour is ruled by algebraic equations in an economic environment. A good Forex trading platform should be able to crunch a whole host of numbers and give you the latest price feeds. A good platform also is able to give you tips and hints, as well as warnings when it comes to you making the wrong decisions. Just imagine it as your electronic broker - who takes the place of your real life broker when you are investing from home or even from your office. While your broker has to accommodate hundreds of investors, a platform should be the reliable tool you need to guide you the right way.
One the last few things about a Forex trading platform is that it should be fast - being able to match the speed of the market's liquidity. Order fills, broker communication and currency purchasing options should be done within a few clicks of the mouse and this brings me to another point that most people overlook. Support from the company who sold you or provided you with the platform. There should be an end to end communication and technical support just in case anything goes wrong and it should be clearly delineated within the first few moments of you singing the agreement or filling out a purchase order. Recognise the features that separate the mediocre from the outstanding Forex online trading platform.
Online Masters Degree Programs - What You Should Know
For those who are considering attaining their masters degree, but work full time, have a family to take care of, or are a bit older and do not want to take the traditional college setting, the choice to go get a masters via online masters degree programs is one option to consider. Depending on the type of masters program you are trying to get your degree in, there is several accredited online degree seeking programs for you to consider. From an MBA, to masters in accounting, to getting your degree in nursing or the sciences; no matter what online masters degree programs you wish to enroll in, there are many online options to choose from.
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The most important thing to consider when choosing an online masters program is to find a university which is accredited in the type of degree option you are after. Visiting various online sites, researching several institutions, and gathering as much information as possible as to the masters program you wish to enroll in, is the best way to ensure you do choose the right program, and that you are going to receive your masters from a program that has been accredited in the particular field of study you are looking to go in to.
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For those who have limited time, and have other obligations and priorities in life, you will also find that the online masters degree programs option is one to consider rather than the traditional college style set up. Not only will you be able to continue with your job full time, taking care of the kids, and having your family life, but you are also going to be able to further your career with the online option. Due to the fact that there are a wide range of class options, from nights and weekends, to the regular hours during the week, all students, no matter how hectic their life might be, can complete the masters program when they choose the right online university.
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Tips On How To Get Your Bad Credit Personal Loan Application Approved
In current times, the demand for bad credit personal loans has been on the rise. This can be attributed to the fact that the economy has not been very good. This coupled with the fact that commodity prices have been on the rise has led to most people having a bad credit history, which effectively locks them out of getting loans, If you are in such a position, you should not despair. Even if you have a bad credit history, you can still apply for and get a loan. There are certain loans which are specifically meant for such a demographic, and it would be a good idea to make use of them when you need to borrow money.
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A good example of a loan that you can take when you have a bad credit history is a payday advance. This is a kind of short term loan which is often paid within a month. As the name suggests, this kind of loan is often paid back when one receives his or her pay check at the end of the month, One good thing about this kind of loan is that it is very easy to apply for one. If you need it, all you have to do is find a website run by one of the lenders. For instance, if you live in the United States you can simply use Google to search for payday advance lenders who have online sites. You can then fill out the form and then wait for the money to be deposited in your account.
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When you apply for such loans, there are certain things that you need to do so as to increase the chances of getting approved. For instance, you need to know exactly what kind of documentation you need for the loan. For instance most payday advance dealers will require that you have proof of income, such as your pay slips for the past few months, In addition to that, you may also need to provide details of your bank account. Most lenders will deposit the money in your account after approval, especially when you are applying online. Also, most of them will automatically deduct the amount you are to repay at the end of the month from your account, making it more convenient to make payments.
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There are many people who are opponents of bad credit loans due to the fact that they seem to offer high interest rates. For instance, many payday advance lenders will charge a nominal fee of around $15 for each $100 one borrows. This may seem like a very high amount, but the fact of the matter is that they do this since they expose themselves to increased risk, In addition to that, the fact that such loans are often of very small amounts and are paid within a very short time means that the interest never accumulates to very large amounts, as would typical bank loans.When all is said and done, getting bad credit personal loans is not as hard as one might think. There are many companies which offer these facilities, and all one has to do is find one that suits them. By following the guide above, you can do this with relatively little trouble.
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