Calgary Auto Insurance: Discounts For Good Drivers

Insurance companies typically calculate insurance premiums based on categories of risk. For example, a new driver with no established driving record to show he or she is safe on the road is initially placed in a high-risk category, resulting in higher Calgary auto insurance rates.

<p>Insurance companies assume those who are free of tickets and points against their license are safe drivers. When drivers have a clean driving record, they present a lower risk to the company, and they pay lower insurance rates.</p>

<p><strong>Experienced Drivers With a Clean Driving Record </strong></p>

<p>Driving safely will save you money, but it’s still a good idea for experienced drivers with a clean driving record to ask for quotes and shop around to get the best Calgary auto insurance rate!</p>

<p><strong>Claims-Free Discount</strong></p>

<p>A clean driving record often goes hand-in-hand with remaining claims-free, and here’s where remaining loyal to one insurance company can pay off. Your insurance company should take note if you haven’t filed a claim, and reward you with a discount! </p>

<p><strong>Young Drivers Exhibiting Safe Driving </strong></p>

<p>Statistically, accidents happen more frequently with young drivers, and to protect themselves from expensive damages and losses, insurance providers typically charge new drivers higher rates. This means establishing a good driving record is critical, right from the beginning.</p>

<p>Many Calgary auto insurance companies offer discounts to new drivers who have completed a driver education course, but be sure to speak with your broker to determine whether the course in which you plan to enroll is approved!</p>

<p><strong>Establishing a Good Driving Record</strong></p>

<p>Here are some proven strategies that will help you establish a safe driving record:</p>

<p>• Alcohol-free driving<br>

• Avoiding cellphones and other distractions (remember, in Alberta it is illegal to operate a vehicle while using a cellphone)<br>

• Always using turn-signals<br>

• Obeying the speed limit<br>

• Approaching intersections with caution<br>

• Completing a safe driving course</p>

<p>* Even an experienced driver with a good record may be rewarded with lower premiums for completing an approved course</p>

<p><strong>Young Drivers Showing Good Study Habits</strong></p>

<p>If you’re a good student, you may be rewarded with lower Calgary auto insurance rates! Some insurance providers expect that good students will be better drivers, pose less risk, and as a result offer them a discount. If you maintain a 3.0 Grade Point Average (“B” Average) in school, you may be eligible for a discount.</p>

<p><strong>Auto Insurance Rates After the Age of 25</strong></p>

<p>As new drivers gain experience, they are statistically less likely to have an accident, and many insurance companies will place you in a lower-risk category at 25 years-of-age.</p>

<p><strong>Calgary Auto Insurance: Tips From Bow Valley Insurance</strong></p>

<p>With few exceptions, all drivers can lower their insurance rates by:</p>

<p>• Bundling all their policies with one insurance company<br>

• Increasing the amount of their deductible<br>

• Enrolling in a group auto insurance plan</p>

<p>At Bow Valley Insurance, our brokers have access to several companies, and will shop around to find you the best rate. Please Contact Us if you have any questions about our discounts or request a free Online Quote today! </p>

<p>As your Calgary auto insurance specialists, we promise to find you excellent coverage at the lowest possible price! </p>

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