Some useful tips to save on your insurance, auto and home

2. MAKE USE OF THE AVAILABLE DISCOUNTS
(AUTO)
Winter tires discount
My driving discount
Multi vehicle discount
Combined discount
Good student discount
Graduation discount
Student away from home discount

3. MAKE USE OF THE AVAILABLE DISCOUNTS
(AUTO)
Anti theft device discount (Boomerang etc.)
Out of Canada driving experience discount
Loyalty discount
 Driver training discount
Retiree/Mature driver discount

4. THINGS AFFECTING YOUR INSURANCE
RATES
(AUTO)
Area where you live (postal code)
Use of your vehicle (pleasure, commute,
business)
 Your driving record & experience
Insurance policy cancellations (non-payment)
Age of the driver
Tickets, at-fault accidents

5. HOW CAN I REDUCE MY PREMIUMS?
(AUTO)
Increase your deductible
Pay your premiums all at once
Shop around
Combine your home and auto
Review you coverage options every year
(Full coverage vs Third Party)
Be a good driver (what if I got a ticket?)
Chose a car with the insurance costs in mind
(hybrid & electric cars vs traditional vehicles)

6. BUY YOUR NEXT CAR WITH THE INSURANCE
COSTS IN MIND!
(ThinkInsure.ca, Cheapest Cars To Insure For 2016 )
1. Honda Odyssey LX
2. Honda CR-V LX
3. Dodge Grand Caravan
4. Jeep Patriot Sport 2WD
5. Jeep Wrangler Sport
6. Jeep Compass Sport 2WD
7. Ford Escape S 2WD
8. Buick Encore Sport Tour
9. Jeep Cherokee Base 2WD
10.Nissan Frontier King Cab
(Call your broker before you buy your new car to see how much it will cost to insure)

7. THE 10 MOST STOLEN VEHICLES
IN ONTARIO
(Insurance Bureau of Canada, Dec. 2015)
1. 2003 Cadillac Escalade 4WD SUV
2. 2010 Acura ZDX AWD SUV
3. 2009 BMW X6 AWD SUV
4. 2013 Acura MDX 4WD SUV
5. 2003 Chevrolet Avalanche 1500 pickup
6. 2013 Toyota Highlander 4WD SUV
7. 2005 Hummer H2 AWD SUV
8. 2014 Toyota Venza 5-dr
9. 2011 BMW X6 AWD SUV
10. 2004 Chevrolet Avalanche 1500 pickup

8. PROTECT YOURSELF AND YOUR VEHICLE!
Accident Waiver
Waiver of Depreciation
Roadside Assistance
Rental vehicle coverage
Increased Accident Benefits

9. THINGS AFFECTING YOUR INSURANCE COSTS
(PROPERTY)
Age of the house/updates in the house
Size of the house
Fire protection
Number of mortgages
Property claims/losses in the past 5 years
Wood burning units
Swimming pool
Credit history
Claims, non-payment cancellations

10. MAKE USE OF THE AVAILABLE DISCOUNTS
(PROPERTY)
Combined discount
Security system discount
Loyalty discount
 Stability of residence discount
Retiree/Mature resident discount
Non-smoker discount
Mortgage free discount
First time buyer discount
Tankless water heater discount
Sump pump, back flow valve discount

11. HOW CAN I REDUCE MY PAYMENTS?
(PROPERTY)
Increase your deductible
Avoid small claims
Shop around (broker vs agent)
Consider one shot premium payment
Install fire & theft monitored security system

12. OTHER WAYS TO SAVE
Check if you or your spouse might qualify for a
group plan discount
 Doctors
 Pharmacists
 Nurses
 Physiotherapists
 Chiropractors
 Massage therapists
 Veterinarians
 Dentists
 Accountants
 Mortgage brokers
 Financial advisors
 Business owners
 Architects
 Engineers
 Lab technicians
 Teachers
 Naturopathic doctors
 IT professionals
 Pilots
 Dieticians
 Opticians
 Lawyers
 Insurance agents/ Brokers
 Mutual fund license holders
 Professional Drivers (A,B,C, A-Z,D-Z class of license)

13. NICK OBERKOVYCH, BA
Chartered Insurance Professional
HOME & AUTO
BUSINESS INSURANCE
LIABILITY INSURANCE
LIFE INSURANCE
CRITICAL ILLNESS INSURANCE
TRAVEL MEDICAL INSURANCE
VISITOR’S TO CANADA / SUPER VISA
“I will find solution for any insurance Need!”