{"id":9276,"date":"2021-05-31T15:55:33","date_gmt":"2021-05-31T15:55:33","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/2021\/05\/31\/seven-ways-to-save-money-on-car-insurance\/"},"modified":"2026-04-10T09:00:28","modified_gmt":"2026-04-10T13:00:28","slug":"how-to-save-money-on-car-insurance","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-to-save-money-on-car-insurance","title":{"rendered":"Seven Ways to Save Money on Car Insurance"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Seven Ways to Save Money on Car Insurance<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2021-05-31T15:55:33-04:00\">May 31, 2021<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">5 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"Amanda Reaume\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Amanda Reaume<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Thumbnail-default-10-2.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Person using a key to unlock a car door\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Thumbnail-default-10-2.jpg 930w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Thumbnail-default-10-2.jpg?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Thumbnail-default-10-2.jpg?resize=768,512 768w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Thumbnail-default-10-2.jpg?resize=420,280 420w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Seven Ways to Save Money on Car Insurance &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-to-save-money-on-car-insurance\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-to-save-money-on-car-insurance\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h4\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">Short-term hacks<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href='#h-short-term-hacks'>Short-term hacks<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href='#h-longer-term-strategies'>Longer-term strategies<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>Personalizing your coverage and finding ways to lower your costs by working with a licensed insurance advisor can help you stay protected and keep more money in your wallet.<\/p>\n<h4 id=\"h-short-term-hacks\">Short-term hacks<\/h4>\n<p>Did you know that you might be eligible for savings because of things you&#8217;re already doing?<\/p>\n<p>Car insurance companies offer discounts to drivers who do things that help reduce their risk of getting into an accident or making other types of claims. For example, installing snow tires on your car in the winter, only driving your vehicle for low-mileage pleasure use, or having an anti-theft device may all save you money.<\/p>\n<h5>New Driver or Student in the House<\/h5>\n<p>Newly licensed drivers may be eligible for savings when they graduate from a beginner&#8217;s license class and move to another license level. Also let your insurance company know if children listed as drivers on your policy are attending school away from home. There might be some savings on your insurance premiums because they will have limited access to your car.<\/p>\n<p>Are you a new driver? Check out these tips <a href=\"https:\/\/discover.rbcinsurance.com\/students-and-graduates-making-smarter-choices-for-your-car-insurance\/?promo_name=ENT_Insurance_DNL&amp;promo_id=274331&amp;promo_position=body&amp;promo_creative=Seven Ways to Save Money on Car Insurance\" target=\"_blank\" rel=\"noopener noreferrer\">on smarter choices you can make for car insurance.<\/a><\/p>\n<h5>Bundling your car insurance<\/h5>\n<p>You can also save money on car insurance by bundling your car insurance with your home or renter&#8217;s insurance or by having multiple cars in your house insured with the same company.<\/p>\n<h5>Employers and associations<\/h5>\n<p>You might be eligible for insurance discounts as a member of a union, a professional association or other organization.<\/p>\n<h5>Customize your coverage<\/h5>\n<p>Another way to reduce the cost of car insurance is to personalize your coverage. There is mandatory coverage required such as <a href=\"https:\/\/www.rbcinsurance.com\/car-insurance\/liability-mandatory-insurance.html?promo_name=ENT_Insurance_DNL&amp;promo_id=274331&amp;promo_position=body2&amp;promo_creative=Seven Ways to Save Money on Car Insurance\" target=\"_blank\" rel=\"noopener noreferrer\">third-party liability and accident benefits,<\/a> which provide coverage if you get into an accident that causes personal or property damage. But there are other types of coverages that may be optional like collision and comprehensive coverage and emergency roadside assistance.<\/p>\n<p>Make sure your plan fits your needs today. While you shouldn&#8217;t give up the coverage you need, one size does not fit all \u2014 and your needs may change over time. Is your car several years old? Its value might have gone down significantly, which could affect your need for something like <a href=\"https:\/\/www.rbcinsurance.com\/car-insurance\/collision-comprehensive-insurance.html?promo_name=ENT_Insurance_DNL&amp;promo_id=274331&amp;promo_position=body3&amp;promo_creative=Seven Ways to Save Money on Car Insurance\" target=\"_blank\" rel=\"noopener noreferrer\">collision and comprehensive coverage<\/a> on your vehicle. You might also consider increasing your deductible which is the amount you pay when you make a claim. If you get insurance with a $1,000 deductible, you may pay less premiums than if you get insurance with a $500 deductible.<\/p>\n<p>Overall, customizing your coverage can help you:<\/p>\n<ul class=\"disc-list\">\n<li>Save money by only paying for what you need<\/li>\n<li>Protect you and your family<\/li>\n<li>Adjust your coverage as your life changes<\/li>\n<\/ul>\n<h4 id=\"h-longer-term-strategies\">Longer-term strategies<\/h4>\n<p>Now that you&#8217;ve found some quick saving opportunities, you&#8217;re likely wondering if there are longer-term changes you can make that might help you save money on car insurance in the future. The good news is that there are.<\/p>\n<h5>Tickets and Accidents<\/h5>\n<p>Your driving record is a key factor in determining how much you pay for insurance. It includes your class of license, number of years licensed, traffic convictions, and claims.<\/p>\n<p>The most important thing is to drive safely and don&#8217;t get driving violations like speeding tickets, failing to yield or distracted driving to name a few. Thankfully parking tickets don&#8217;t affect your insurance rates, but avoiding them still helps to keep money in your wallet.<\/p>\n<p>So what about accidents? Unfortunately mistakes happen\u2014it is, after all, called an &#8220;accident&#8221; for a reason. Getting accident forgiveness coverage in advance is another long-term strategy to protect you against future premium increases after your first at-fault accident. But remember: accident forgiveness coverage helps to protect your premiums from increasing only after your first at-fault accident. Any accidents you have after that will likely affect your insurance premiums.<\/p>\n<h5>Credit Score<\/h5>\n<p>Another way you could decrease your premium in certain provinces is to have a good credit rating (excluding <a href=\"https:\/\/rates.ca\/resources\/can-my-credit-score-affect-my-car-insurance-rates-canada\">Newfoundland, Labrador and Ontario<\/a>, where credit scores are not allowed to be used for auto insurance premium calculations). The better your credit score is, the lower your insurance premiums may be should you choose to disclose it.<\/p>\n<h5>Vehicle Type<\/h5>\n<p>Get insurance quotes for the vehicles you are thinking about leasing or buying before you close the deal. The year, make and model of a vehicle may affect the cost of your insurance. Some cars have a higher likelihood of being <a href=\"https:\/\/www.ibc.ca\/nb\/auto\/theft\/top-ten-stolen-cars\">stolen<\/a> or being in more accidents, so insurance companies charge more to insure those vehicles. By checking on rates in advance, you might save a significant amount in insurance premiums over the life of your vehicle.<\/p>\n<p>Be sure to check your policy every year to ensure that all the information is accurate and up to date. Ask questions in case there are discounts your insurance company offers that you qualify for. An RBC Insurance advisor can help you do that. Call 1-877-749-7224 or <a href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=E4AMKTAMP&amp;Lang=EN\" target=\"_blank\" rel=\"noopener noreferrer\">get a quote<\/a> online today.<\/p>\n<p>If you&#8217;re interested in learning more about car insurance, check out <a href=\"https:\/\/discover.rbcinsurance.com\/breaking-down-how-to-calculate-car-insurance-premiums\/\" target=\"_blank\" rel=\"noopener noreferrer\">How Car Insurance Premiums are Calculated<\/a> next.<\/p>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<section class=\"wp-block-rbc-section-block  pos-rel has-fff-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b-hlf mob-mar-b-hlf mob-pad-t-hlf\" id=\"h-get-your-free-car-insurance-quote\">Get Your Free Car Insurance Quote<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-lg-font-size\">Take a few minutes to get a competitive auto insurance quote online*<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn before is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=BLOG_A1&amp;Lang=EN\" data-dig-id=\"LP-CarInsurance-9276-476a44f4\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"button click\" data-dig-label=\"Start My Quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=BLOG_A1&amp;Lang=EN \">Start My Quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center  mar-t-hlf\"><a href=\"https:\/\/www.rbcinsurance.com\/car-insurance\/index.html\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-9276-10aa3a4f\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n<\/section>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\"><\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-HomeInsurance-14506-2de7ba0a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Here are some helpful tips that can help you save money on your car insurance.<\/p>\n","protected":false},"author":203,"featured_media":9289,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[49],"tags":[20],"article-type":[80],"ppma_author":[190],"class_list":["post-9276","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance","tag-car-insurance","article-type-advice-learning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Seven Ways to Save Money on Car Insurance<\/title>\n<meta name=\"description\" content=\"We all want to pay less for car insurance. Here are 7 tips to help you save money now and potentially down the road.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-to-save-money-on-car-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Seven Ways to Save Money on Car Insurance\" \/>\n<meta property=\"og:description\" content=\"We all want to pay less for car insurance. 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