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Can I get a discount?


If you’re like most of us, you hate paying full price, even on something as necessary as insurance. Most insurance companies offer discounts if you maintain multiple contracts,

such as home, auto, life and health. Have you gotten a quote for all your insurance needs lately?

Understand how insurance calculate their premium

A typical misconception is that a policyholder who hasn't made an insurance claim must pay less or hardly any insurance. While your claims history is essential, normally, the risk location can also be very significant.

Whenever you buy or renew the insurance, private insurance providers compete based on cost, coverage and service. They provide consumers and business selections when purchasing an automobile, home or business insurance. Your insurance broker can offer expert guidance on the best coverage and value for your requirements.

Knowing your Insurance Premium Rate

As the personal insurance company will increase the renewal premium from time to time due to inflation, having an insurance broker on your side will ensure you get the best rate.

You may have noticed that your insurance company may have been increasing your insurance premium every year on your policy renewal. By comparing premiums from different insurance companies upon renewal, you have the choice. You may find out that you are already enjoying the lowest possible, but it's always useful to have an insurance broker working on your side.

As previously stated, most of the personal insurance companies in Canada will increase or decrease the personal insurance premiums for many reasons. Most of the factor may attribute but not necessarily limited to the following:

  • Your credit score
  • Last year's performance. Suppose the previous year's payout or loss ratio is high. In that case, the insurer will need to adjust the renewal rate to build up their reserve pool.
  • Your postal code.
  • Your age
  • The discounts you are offered may be expired.
  • How you use your vehicle
  • The crime rate in your area
  • Convictions, adding a new driver
  • The type of vehicle you drive, comparing the payout for the same model last year. and many more

There will be many more factors that result in your insurance premium fluctuation, and the list goes on from time to time. The above are other means of getting a better premium apart from the bundle discount package.

Consider Higher Deductible or Consider CoInsurance

Most homeowner insurance in the Canadian market is a combination of the following insurance types

Most importantly, the homeowner insurance provides some financial relief against disasters. 

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