Saturday, 20 June 2015

High Risk Drivers and Insurance Coverage in Edmonton: How Can They Lower Their Insurance Premiums?

Have you been labelled as a high-risk driver in Edmonton? Well you aren't the only one. Each year in Canada, dozens -- if not hundreds -- of drivers are labelled as such by their insurance companies. Why this is the case, you probably already know, and really, the term "high-risk driving" is quite self-explanatory. 

But here's the thing: Being labelled as a high-risk driver is not the end of the world. Yes, you will pay more on your insurance premiums; unfortunately there is no way around it. But the good news is that lowering your premiums is doable. Here's how you can do it:

  • Raise your deductible. As you already know, a deductible is a fixed amount of money that you have to pay before submitting a claim to your insurance company. But what some people don't know is that the higher the deductible is, the lower their monthly premiums are. If you are interested in raising your deductible to save money, make sure that you have a few hundreds of dollars put aside in the event of something bad happening.
  • Brush up on your driving skills and keep your car away from thieves. You'd be surprised how much money you can save monthly by installing an alarm system on your car! Also, some companies offer discounts to people who have enrolled into and successfully passed driving lessons. You might want to give your insurance company a call this Monday.
  • Lastly, keep a clean driving record. This might not do much to save you money in the short term, but in the long term it certainly will make a difference! As we said above, being labelled as a high-risk driver is NOT the end of the world... and it's not a lifelong sentence either. Keep a clean driving record for at least two years and you should soon be able to go back to your normal monthly premiums.


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