hey guys.couple of qeustins cncerning auto insurance? how can i save more or get a lower quote? i know you save money if you don’t drive to much.i mean suppose i don’t drive the car in winter and put about 30000km a year. can raising my liability save me money? i also know if you have a anti theft device it will save you some money,same with no cllision.do insurance companies offer a
zero dollar deductible?
can i raise my liability?
how can i save more?
any one have opinions or reference to a insurer? thanks
-Yes there are $0 deductible in very rare instances, but it won’t help you in saving on your premium.
-Raising liability, as previously mentioned, will not help reduce your premium.
Are you using the car for work or leisure? How far will you be driving on a daily/weekly basis?
How many other drivers will be using the vehicle under insurance coverage?
Who is the primary/secondary driver?
How is your driving record?
always tell them that you drive LESS than 10,000kms a year!!
yes antitheft devices, winter tires, also the area you live in… city=high prices suburbs= lower prices, there are some companies that offer 0 LIABILITY but they charge a bit more…
u’ll save quite a bit if u choose one-way only, i.e no collision hence deductibles dont apply anti theft doesnt apply either. reduce liablity to 500,000 where possible, dont disclose performance mods etc. instead of giving money to the greedy insurance scums save it for a good paintjob or upgrades when needed. no matter how much u r covered when the time comes they will always try to find a way to not pay. its just a legal requirement
risk categories are broken up by more than just # of tickets…
demographics, geography, vehicle type, total book (house, car, life, etc.) all impact it.
if you are 18, little to no driving experience, a couple tickets and a Yamaha R1… 99% of people wont touch you…lol
similarly, if you are 25+, only one ticket, one accident etc. you will be dropped from most insurers who insure low risk people…
the industry is chasing the boomers… lots of premium service insurance products where they want your house, cottage, all your cars, boats, children, etc…
most of us are high risk and little to no chance of us putting a book like that together anytime soon.