How Safe Driving Saves You Money on Car Insurance
From lower rates to bigger discounts, it can pay to drive safe when it comes to car insurance. Find out how with these quick tips.
At Onlia, we have a lot of love for people who take safe driving to heart. Not only are they keeping themselves and their passengers safer, but they're helping everyone else on the road, too. The more people who drive safe, the better off we’re all going to be!
Safe drivers are less likely to get into a collision, which means we’re happy to provide them with a lower car insurance premium. Saving money and staying safer sounds like a win-win to us, so take these tips into your next trip and you’ll well on your way to seeing both your risks and your rates fall!
Keep your driving record clean
Generally, having a good driving record means enjoying lower prices on insurance, so you can score a competitive rate if you don’t have a history of at-fault collisions. That said, don’t get too down if you’ve had collisions in the past (nobody’s perfect!) – it doesn’t necessarily mean you’re barred from the discount party forever. Some insurance companies, including Onlia, offer discounts based on how many years you’ve been free of claims. The more you’ve gone without an at-fault collision, the more you can save.
Keeping your record clean is a whole lot easier when you’re actively practicing safe-driving behaviour. Staying off the road when you’re tired, not tailgating other cars, and avoiding distractions like texting or eating while driving are just a few ways you can minimize the risk of getting into a collision (not to mention avoiding hefty tickets if you’re pulled over).
Sign up for a driver training or defensive driving course
Every driver should invest in a government-approved driving training course (Young Drivers of Canada is widely-known, and there’s plenty more good options in Ontario). You’ll learn defensive driving practices, proper parallel parking, and get into the habit of being more alert, aware, and proactive while driving. Improving your skills not only builds confidence and technique, but it’s also something car insurance companies look for when determining your rate – after all, a trained driver is a safer driver.
That said, it’s easier to improve when you can tangibly measure your progress. If you want to see how safely your driving, you can always check out Onlia Sense – our app that uses your phone’s sensors to analyze your driving, score you on important factors, and show you where you can improve.
Get a dashboard camera
Collisions happen, but they won’t always be your fault. Investing in a dashboard camera (dash cam) can be instrumental in avoiding future costs by recording exactly what happens while you’re driving. You won’t need the footage most of the time, but you’ll be glad it’s there when you really need it.
Let’s say someone backs into your car, but then tries to pass the blame onto your by saying you rear-ended them. It’s lame, but it happens. With a dash cam, you’ll have all the evidence you need to prove you the other driver was at-fault to the police and your insurance company, nixing any risk of your taking undeserved blame for something you aren’t responsible for.
Your insurance rate won’t go up, you won’t have to deal with a lengthy investigation, and you’ll get all the insurance coverage you’re entitled to without any headaches.
Put winter tires on your car
People like all-season tires because they’re convenient, but the truth is that they’re pretty far from “all season” when you’re dealing with Canadian winters. As the temperature drops, the rubber on all season tires gets harder, creating a slippery surface and a dangerous winter ride.
Winter tires, on the other hand, use silica-rich rubber, which keeps them softer even in freezing temperatures. They also have a better tire tread for snowy and icy driving, so there’s no question as to the effectiveness of winter tires over all-seasons in keeping you safer in poor driving conditions. Look for discounts on your car insurance rate for driving with winter tires appropriately. This is an easy one to take advantage of!
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Drive a car with the best safety rating
If you’re in the process of scoping out a new car, be sure to list the safety rating as a potential deal-breaker. Organizations like the Insurance Institute for Highway Safety (IIHS) rank vehicles each year based on crash tests and safety evaluations, and it’s a factor insurance companies take into consideration when determining your rate.
Simply put – the safer your vehicle, the safer you’ll be inside it – so choosing a car with a high safety rating from a reputable organization like the IIHS can definitely play a role in saving you cash.
We love safe drivers. And the safer you are, the more you can save – so put these tips into action and you'll be on your way to a lower car insurance bill!