8 Timely Auto Insurance Discounts to Help You Save This Winter

Our Canadian winters can be harsh and hazardous even off the roadways. On the road, you want to be sure you are well protected in every way - including having a sensible and suitable auto insurance policy.

But you don't want to overpay for your Ontario car insurance, either, especially in winter when your driving habits and patterns are likely to change.

You also don't want to miss out on valuable Canada auto insurance discounts that are only available during the winter season.

By reading this article, you can make sure you have the right type and level of auto insurance coverage. You can also make sure you are taking advantage of all available auto insurance discounts!

Looking for Belleville auto insurance? Contact our car insurance experts at Mackay for a FREE online insurance quote!

Save On Auto Insurance: Seasonal Vehicle Versus Annual Vehicle

Looking for cheap auto insurance coverage?

When your goal is to save the most money on your car insurance, the first consideration is always going to be how you use each vehicle you own.

For example, many drivers here in Ontario have seasonal vehicles such as RVs, collector cars, convertible cars, motorcycles, snowmobiles or other off-road vehicles.

In some cases, a seasonal vehicle may only come out of storage for the winter season. In other cases, a seasonal vehicle may only come out of storage after winter ends.

Either way, it is important to understand the difference so you don't pay for more auto insurance than you actually need.

You have a few options to insure a seasonal vehicle affordably:

1. Pause your auto insurance during the storage period.
2. Keep your policy active but for comprehensive only.
3. Keep your full policy active through the storage period.
4. Many seasonal vehicles like Motorcycles, Snowmobiles, RV’s & Boats have prices and premiums earned during their driving seasons. So, to suspend coverage on a motorcycle from November to March, will not get you any savings.

Where and how you garage your seasonal vehicle can influence which option is safest as well as most economical for you.  Many people believe that if you store a vehicle in the garage, if there is a fire, it’s the garage insurance that will cover the loss. This is not true.

The key is to consider what you would do if winter storms, theft, vandalism or worse damaged or destroyed your seasonal vehicle. Could you cope financially with less or no auto insurance?

Your Mackay broker can help you consider each option and make the best decision for your budget and safety concerns. Contact our brokers today for your Belleville auto insurance quote!

8 Auto Insurance Discounts to Trim Your Policy Premium

Whether you have a seasonal or year-round vehicle to insure, be sure to ask about these car insurance discounts in order to avoid paying more for auto insurance than you should.

1. Winter Tires Discount

Equipping your vehicle with winter tires can save you up to five percent on your auto insurance.

To be eligible, your vehicle must have winter tires installed during the period of November 1st through April 1st.

2. Multiple Policy Discount

While most drivers are familiar with multiple policy discounts, far fewer actually get organized enough to harness the available benefits.

Do you have several different insurance providers for your home, car, valuables and/or life insurance?

Consolidating your policies under a single insurance provider could save you up to 15 percent on the total cost of your annual premiums - across all of your policies!

But you save more than money when you bundle. You also get the benefits of streamlining policy renewals, address and information updates and overall insurance management tasks.

3. Telemetrics Discount

Telemetrics, or driver monitoring via GPS, has become popular in the auto insurance industry.

If you are willing to install and use a GPS monitoring device while you are driving, you could potentially save up to 25 percent on your annual auto insurance premiums.

There is a catch, however.

You need to be committed to driving safely!

You can expect a telemetrics device to monitor your braking, acceleration and night driving (midnight to 4am). The safer you are behind the wheel, the more you can potentially save.

4. Clear Driving Record Discount

When you think about your car insurance policy from your insurer's perspective, nothing says "discount" like a clear driving record.

Frequently, zero accident discounts are bundled together with customer loyalty programs that reward you for two high-value actions: staying with the provider longer and staying out of trouble on the road.

5. Mature Driver Discount

You may be eligible for a mature driver auto insurance discount as early as age 50 depending on your provider. In some cases this may be tied to when you retire rather than to your chronological age, so be sure to ask your insurer.

Of course, your driving record will remain the primary focus for whether this discount is available to you.

6. Limited Driving Discount

Do you only drive during certain days of the week or certain hours of the day? Or does someone else on your family policy, such as a young driver or senior driver, meet these criteria?

When it comes to insurance algorithms, the less time you spend on the road, the less risk your insurer bears for issuing you a policy.

Your limited driving premium discount can vary depending on when and how often you are on the road. Be sure to talk with your Mackay broker to determine the best coverage needs for your specific situation.

7. Garaging Discount

Similar to the amount of road time you log, the type of garaging you use for your vehicle can influence the risk an insurer takes on when issuing you a policy.

Off-street, covered, locked and monitored garaging may rate a discount on your policy premium, but you will likely need to ask to get it.

8. Young Drivers Discount

If your young driver completes the Young Drivers of Canada safety program and maintains a clear driving record, this could trim up to 10 percent off their policy premium.

Choose Mackay In Napanee and Belleville for Your Auto Insurance Needs

Here at Mackay Insurance, we have a reputation for helping our clients get more car insurance coverage for less.

Looking for a cheap auto insurance quote? Our quote generator provides a free online insurance quote!

Have questions about auto insurance benefits? Your friendly, experienced Mackay broker is happy to help!
Visit us online or give us a call at 888-853-5552.