{"id":8927,"date":"2019-07-22T11:55:17","date_gmt":"2019-07-22T15:55:17","guid":{"rendered":"https:\/\/multi-risques.com\/trucs-et-conseils\/saving-on-your-car-insurance-premiums-8-mistakes-to-avoid\/"},"modified":"2026-04-29T13:02:46","modified_gmt":"2026-04-29T17:02:46","slug":"saving-on-your-car-insurance-premiums-8-mistakes-to-avoid","status":"publish","type":"cke_blogue","link":"https:\/\/multi-risques.com\/en\/tips-and-advice\/saving-on-your-car-insurance-premiums-8-mistakes-to-avoid\/","title":{"rendered":"Saving on your car insurance premiums: 8 mistakes to avoid"},"content":{"rendered":"\n

Au plus grand dam des automobilistes qu\u00e9b\u00e9cois, une hausse importante des primes d\u2019assurance automobile est \u00e0 pr\u00e9voir cette ann\u00e9e, et ce, comme nous vous l\u2019avions annonc\u00e9 dans notre pr\u00e9c\u00e9dent article de blogue sur le sujet<\/a>. N\u00e9anmoins, nous avons tous un budget \u00e0 respecter (et il y a certes des d\u00e9penses plus amusantes que les assurances). C\u2019est pourquoi Assurances Multi-Risques souhaite vous partager, dans cet article, quelques erreurs fr\u00e9quentes \u00e0 \u00e9viter. Ainsi, vous \u00e9conomiserez sur votre prime d\u2019assurance auto.<\/p>\n\n

8 mistakes to avoid to save on your car insurance premium<\/h2>\n\n

Not exercising caution while driving<\/h3>\n\n

To save on your car insurance premium, it is recommended that you drive carefully and obey the rules of the road. The more accidents you have, the more claims you will make, and the higher your insurance premium will be. <\/p>\n\n

Une conduite s\u00e9curitaire vous permettra aussi d\u2019\u00e9viter les contraventions<\/a>, lesquelles ont aussi un impact sur votre prime. En ce sens, avec un dossier vierge, vous pourrez b\u00e9n\u00e9ficier des rabais accord\u00e9s aux propri\u00e9taires de v\u00e9hicules qui n\u2019ont pas eu de contraventions ou d\u2019accidents.<\/p>\n\n

Making too many small claims<\/h3>\n\n

Les assureurs se basent sur la fr\u00e9quence de r\u00e9clamation<\/a> \u2013 et non sur le montant – pour d\u00e9terminer votre prime. Donc, plus vous faites de r\u00e9clamations, m\u00eame si elles sont petites, plus vous risquez de faire augmenter votre prime.<\/p>\n\n

So, if you have a problem (such as a windshield that needs to be replaced or a fender bender), contact your insurance agent or broker. They will be able to advise you on whether or not it is in your best interest to file a claim. <\/p>\n\n

Pour en savoir plus sur les impacts d\u2019une fr\u00e9quence de r\u00e9clamation trop \u00e9lev\u00e9e, nous vous invitons \u00e0 consulter notre pr\u00e9c\u00e9dent article sur le sujet<\/a>.<\/p>\n\n

Lower your deductible<\/h3>\n\n

On the contrary, to lower your car insurance premium, you should instead increase your deductible, which is the portion of the costs you will have to pay in the event of a claim.<\/p>\n\n

Why ? Because a higher deductible means you will pay more for the repair of your car and your insurer will pay less. They will therefore charge you a lower premium. <\/p>\n\n

However, make sure you have the financial capacity to pay this deductible if necessary!<\/p>\n\n

Choose a vehicle that is popular with thieves<\/h3>\n\n

And yes, certain models are statistically more likely to be stolen. If you choose one of these models, your premium will be higher. So, before buying a new car, find out more about this. <\/p>\n\n

You should also know that older models are generally cheaper to insure than newer ones.<\/p>\n\n

Insure your vehicles with several different insurers<\/h3>\n\n

To save money, it is recommended that you consolidate your auto insurance policies with a single insurer. Most insurers offer attractive discounts in such cases! <\/p>\n\n

Opting for inadequate protection<\/h3>\n\n

Insurance companies often offer a wide range of additional coverage options. And while they may be tempting, you may not need all of them… <\/p>\n\n

In short, be careful! Only choose the ones you need. An independent insurance broker can help you make the right choice, as they are not affiliated with any insurance company. <\/p>\n\n

Failing to update your file regularly<\/h3>\n\n

When changes occur in your life\u2014such as moving closer to work or a child who previously borrowed your car buying their own\u2014take the time to call your insurer and check that you are insured according to your exact profile!<\/p>\n\n

Otherwise, you will continue to pay unnecessarily for protections that no longer correspond to your reality.<\/p>\n\n

Do not do business with an independent insurance broker<\/h3>\n\n

Plut\u00f4t que de contacter directement plusieurs compagnies d\u2019assurance pour tenter de trouver les protections adapt\u00e9es \u00e0 un prix juste, faites affaire avec un courtier d\u2019assurance ind\u00e9pendant<\/a>.<\/p>\n\n

Completely impartial, they will handle all the paperwork with insurers on your behalf and advise you on the various options available. They will find you the best possible price, but above all, the best coverage for your needs. <\/p>\n\n

In conclusion \u2026<\/strong><\/p>\n\n

Vous connaissez maintenant les pi\u00e8ges dans lesquels ne pas tomber pour \u00e9conomiser sur votre prime d\u2019assurance auto. N\u00e9anmoins, il existe encore plusieurs autres astuces pour vous permettre de sauver des sous\u00a0: la t\u00e9l\u00e9matique, l\u2019installation d\u2019un antivol, le regroupement de ses assurances auto et habitation chez un m\u00eame assureur, etc. Pour conna\u00eetre tous les trucs possibles, n\u2019h\u00e9sitez pas \u00e0 contacter un courtier d\u2019assurance ind\u00e9pendant\u2009<\/a>!<\/p>\n","protected":false},"excerpt":{"rendered":"Discover the pitfalls to avoid if you want to save on your auto insurance premium! An independent broker can also help you. ","protected":false},"featured_media":8164,"template":"","cke_assurances_tax":[],"cke_assurances_types":[],"cke_post_display":[102],"class_list":["post-8927","cke_blogue","type-cke_blogue","status-publish","has-post-thumbnail","hentry","cke_post_display-produit"],"acf":[],"mb":[],"mfb_rest_fields":["title"],"_links":{"self":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_blogue\/8927","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_blogue"}],"about":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/types\/cke_blogue"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/media\/8164"}],"wp:attachment":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/media?parent=8927"}],"wp:term":[{"taxonomy":"cke_assurances_tax","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_assurances_tax?post=8927"},{"taxonomy":"cke_assurances_types","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_assurances_types?post=8927"},{"taxonomy":"cke_post_display","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_post_display?post=8927"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}