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Ways to reduce your insurance premiums

During the COVID-19 pandemic, it’s still important to protect your car, your home and your belongings. This is a tough time for many people, and that’s why we’ve put together some ways you could reduce your insurance premiums.

Bundle your policies

If you haven’t already done it, it’s well worth insuring your cars and recreational vehicles (like motorcycles, snowmobiles and campers), as well as your home and cottage with the same insurance company. Bundling all your policies can help you save on your premiums.

Update your car insurance

  • Save on your car insurance during lockdown. If you’re using your car only for essential trips, you may be eligible for a relief measure. See how to apply if you’ve changed your driving habits because of COVID-19.
  • Increase your deductibles. You can save on your premium by increasing your deductibles for Collision or Upset and Comprehensive. But before you make any changes, make sure you’d be comfortable paying that amount in the event of a claim.
  • Insure all your vehicles with us. You could save on your car insurance premium with our Multi-Vehicle Discount.
  • Tell us if you install winter tires. When you have winter tires on your car in the colder months, you’ll enjoy better road safety and get our Winter Tire Savings.
  • Get more discounts. Check out all our auto insurance savings and call us to see if you’re eligible.

Shopping for a new car?

  • Choose a model with a lower insurance rate. To get a quick premium estimate for the cars you’re looking at, simply log in to your Online Services account and try out our Shopping Tool. It’s an easy way to compare rates for different models.
  • Choose a car with more affordable repairs. It costs less to repair an economy car than a luxury model. And repair costs could impact your insurance rate.
  • Consider a hybrid or electric vehicle. On top of government incentives and gas savings, you could take advantage of our hybrid or electric vehicle savings.

Update your home insurance

  • Review your coverage. It’s worth letting your insurance company know if you’ve made changes like re-roofing your home. It could save you money on your premium.
  • Increase your deductible. A typical home insurance deductible is $500. If you’re comfortable paying more out of pocket in an insurance claim, you could increase it to say $1,000 and reduce your home insurance costs.
  • Insure your home and your car with us. You could save on your home insurance with our Multi-Line Discount.
  • Has someone in your home quit smoking? Let us know! A smoke-free home reduces the risk of a fire, and it lowers your insurance premium.
  • Get more discounts. Check out our other home insurance savings and call us to see if you’re eligible.

Get a security system in your home


This article is being provided by APEGA on behalf of The Personal which has a group sponsorship agreement with regards to home and auto insurance for our members.

The Personal refers to The Personal General Insurance Inc. in Quebec and The Personal Insurance Company in all other provinces and territories of Canada.The information and advice in this article are provided for informational purposes only. The Personal shall not be liable for any damages arising from any reliance upon such information or advice. The Personal recommends using caution and consulting an expert for comprehensive, expert advice.

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To find out more, call 1-877-314-6646,
or visit thepersonal.com/apega

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