Ways to save money on your auto insurance in Edmonton

You need auto insurance in Edmonton to protect your car, yourself and others on the road in case of an accident. When you’re purchasing auto insurance, your independent insurance broker at HDF Insurance will do the research and  present you with policies and options to give you the most affordable coverage available. Your car insurance is designed to prevent financial hardship if your car is damaged or someone is injured; however, filing an insurance claim also raises your premiums which means you’ll be paying more each billing cycle for your car insurance.

Since the insurance rates available to you are to some extent based on your driving record, you have even more incentive to drive safely. While some accidents are unavoidable, there are ways to avoid the most common car insurance claims so you can save money on your premiums.

Avoiding premium hikes on your car insurance: Edmonton’s HDF Insurance explains how

Insurance claim numbers grow each year with more than 130,000 traffic collisions each year in Alberta, a number that doesn’t even include other claims. After filing a claim, many factors go into determining if your premium will go up, such as the type of claim you file, who was at fault and how many claims you have already filed. Here’s how you can avoid some of the most common driving mishaps:

Rear-end crash – The most common accidents on the road, they are often caused by inclement weather, tailgating another car or distracted driving. The easiest way to avoid a rear end crash is to maintain a safe following distance from other cars (especially on wet or icy roads), staying off your phone and driving attentively at all times.

Single car collision – Drowsy and intoxicated drivers most commonly experience single car collisions with trees, road barriers, etc. The best way to avoid this type of accident is never to drive when you’re too tired or intoxicated.

Windshield damage – Most windshield damage is caused by rocks thrown into the air by large trucks. Avoid this type of damage by keeping a safe distance from all large trucks on the road, especially on gravel or unpaved roads.

Damage to parked car – Avoid needing to make an insurance claim by parking your car in a garage, away from other cars or in a larger spot. Also, avoid street parking near tight corners, turns or your neighbour’s driveway.

Break-ins and theft – Auto break-ins are especially common in cities. Don’t offer thieves reasons to break in to your car by putting personal items out of sight in the trunk; park in well-lit places and secure lots.

Most important, avoid driving while texting, calling, or using other apps. Driving while distracted is an increasing problem on Canadian roads.  According to Alberta Transportation, in 2017 alone, more than 20,000 drivers were convicted of using communication and electronic devices while driving. Simply staying off your phone is one of the easiest ways to avoid many common insurance claims.

Get cheap car insurance in Edmonton with HDF Insurance

If you have a hard time putting down your phone in the car, think about it this way: if you do, you can save money on your car insurance premiums and avoid car accidents. You can even earn some incentives, as many insurance companies now offer apps that track your driving habits to help you lower your insurance premiums as long as you’re a responsible driver.

If you want cheap car insurance in Edmonton that will protect your car, yourself and your family, contact HDF Insurance. We can help you with all of your auto insurance needs including car, truck, motorcycle, recreational vehicle, rental car, boat and more.