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5 Ways to Save on High Risk Car Insurance

5 Ways to Save on High Risk Car Insurance

5 Ways to Save on High Risk Car Insurance

There’s no denying that high risk car insurance is expensive and so saving money on high risk car insurance may seem impossible. However, by having access to a licensed insurance advisor from Ensurco, you may be able to find high risk insurance at an affordable rate. That's in large part due to the fact that Ensurco keeps up to date on all the latest insurance companies, including those that deal with high risk drivers. Ensurco provides quotes from over 30 top Ontario insurers. This allows you to compare rates and pick the most affordable one. Best of all, our online quoting system only takes a few minutes to complete and it provides a no obligation quote, specifically geared to your unique situation. It's one of the fastest and easiest as well as economical way to get a high risk car insurance rate at a discounted Ensurco price.

Raise your Deductible

One of the best ways to save money on high risk car insurance is to raise your deductible. It's a simple thing to do and it will immediately lower your premiums. By raising your deductible, you may be paying more in the event of a claim.  However, if you don’t have any claims, you pocket the savings.  That said, it’s important to pick a deductible that you feel comfortable with.  An Ensurco Advisor will be pleased to review deductible options with you. 

Clean up Your Record

As a high risk driver, you can blame others for all your woes.  But between you and me, you know how you got there. A great way to lower your insurance premium is to clean up your driving record. By cleaning up your driving record and keeping it clean, you’ll eventually be moved out of high risk and into our preferred market.  We call this, the ‘Ensurco high risk transfer’.  When this happens, you’ll feel the financial impact because the savings will be significant.  You know more money in your pocket, where it belongs and not in ours. 

Ask About Insurance Discounts

Believe it or not, some discounts may be available to you and you may not even know it.  Discounts vary from company to company but they all lead to lower rates.  There are professional association discounts, as well as age and good student discounts and let’s not forget, retiree discounts. You could also enroll in our telematics program. It's a program that tracks your driving habits and if you drive well, it’ll reward you with cheaper insurance. You know, avoid hard breaking, quick acceleration and speed.  The best way to access insurance discounts is to ask about them. Other insurance discounts you might be eligible for include:
  • Having completed driver's education
  • An anti-theft device in the vehicle
  • Paying your premium for the entire year upfront
  • Low mileage
  • Snow Tires

Bundle Multiple Insurance Policies

If you have multiple insurance policies, you can bundle them to save money. The two most common types of bundling;  having multiple cars in one household and combining your car and home insurance policies with the same company. The former is referred to as a multi-vehicle discount and the latter is referred to as a multi-policy discount.  To see how much you could potentially save, you can request an Ensurco online quote and include these discounts. Your quote will clearly identify the premium savings based on your scenario.  In most cases, bundling your insurance is an effective and useful way to save you money!
 
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  • Rasoul K.

    What our clients say

    After talking to many different insurance companies, I spoke to Ensurco New Business Team. They returned my call quickly, provided the best rate and helped me set up a home insurance policy within an hour. Great service!

    Rasoul K.
  • Edward L.

    What our clients say

    I recently sent Ensurco an email requesting changes to my auto policy. I got a quick response. All the changes were completed in a timely manner and I received a detailed email with my billing schedule attached.

    Edward L.
  • Maria L.

    What our clients say

    Amazing staff to deal with. Very fast and efficient. My broker explained the difference between condo insurance and condo corporation insurance.  Thank you!

    Maria L.
  • Michelle B.

    What our clients say

    I was in a time crunch to get an auto application done on a Friday afternoon as I was picking up a new car. I called my customer service rep at Ensurco and she was able to get me a quote, provide an application and even send confirmation to my dealer with a liability slip. Keep up the good work.

    Michelle B.
  • Kelly S.

    What our clients say

    As a high risk driver, I was looking for a good rate as well as good coverage. I spoke to an Ensurco broker who helped me set up a 6 month policy so that I can eventually move to a regular market at less premium. You guys came through when no one else cared.  Thank you so much for your help. :)

    Kelly S.
  • Mark C.

    What our clients say

    When my son and I decided to travel to Calgary for a week, I called my broker at Ensurco who was able to provide me with great coverage at a really good price. I got my travel documents by email within 10 minutes. Exceptional timing!

    Mark C.
  • Don S.

    What our clients say

    Claims service! Most people dread talking to an insurance company or broker to report a claim. But I recently called my insurance broker at Ensurco about a possible water damage claim. He was able to guide me through the process.  The decision was mine as to whether or not I would proceed with the claim.  If so, he explained that he could connect me directly with the insurance company adjuster and resolve the issue. Great advice and great service.  Thanks Ensurco!

    Don S.