Owning a car is great – especially when it’s a Subaru! You have mobility, freedom, and convenience bundled into a single package that’s fun and safe for drivers and passengers. Of course, the reality of owning a vehicle are the expenses that come with it; things like payments, maintenance, and one thing that tops most driver’s list of frustrations: insurance.
Because we want to make sure you get the best experience out of your Subaru, we decided to share some tips we’ve come across about how you can reduce your insurance rates for your car!
SHOP AROUND FOR QUOTES
This is probably the most common tip we’ve seen. The closest insurance office might be right around the corner from your home or work, but that doesn’t mean it should be the first and last place you go for your car insurance. Check out multiple insurance providers and get quotes online. Shopping online is hassle free and you can do it from the comfort of your home, without a pushy agent trying to upsell you into things you don’t need. Plus, many companies offer discounted rates for buying online, so keep that in mind when reviewing different providers.
BUNDLE YOUR PROTECTION
Do you have more than one car? Own a house or rent an apartment? You can bundle multiple vehicles or include your property insurance along with your car protection and benefit from a reduced rate.
Sure, Subarus are loaded with the best safety features you’ll find in Canada – we are, after all, the only brand who has IIHS Top Safety ratings for all of our models – but cars are only as safe as the person behind the wheel. Stick to the speed limit, drive defensively and stay within the rules of the road – tickets and at-fault accidents will lead to increases in your premiums and cost you hundreds of dollars over the years.
SHARE THE RIDE
The more you drive, the more likely you are to get in an accident – at least according to insurance companies. As much as possible, car pool with friends and co-workers or take transit to avoid driving at busy times like rush hour; you’ll not only reduce your rates, you’ll help the environment AND get a chance to show off your Subaru to others.
LEVERAGE YOUR CREDENTIALS
Many insurance companies offer discounts for graduates of certain post-secondary institutions, so be sure to take that into consideration when shopping around. Plus, completing a driver’s education course will also help you save on your premiums year after year.
SECURE AND MAINTAIN YOUR VEHICLE
All recent model year Subarus come standard with an Anti-theft system, which your provider will account for in your quote, but it’s a good idea to see if they offer additional discounts for after-market systems as well. You love your car after all, so there is no harm in adding a little extra security. Keeping with the maintenance schedule and using only genuine parts on you car will help to ensure it remains safe as well A safe car in good condition will be cheaper to insure.
These are just a few of the ways you can lower your insurance rates, but there are a lot more out there! At Subaru of Niagara, we want to make sure you get the best experience out of your car, so keep checking our blog to see additional tips and tricks to maximize your enjoyment!