Auto Insurance Canada

Keep your car uncluttered – don’t have electronic devices, valuables, laptops, backpacks or purses, packages, or anything at all important inside your car and on display. Avoid tempting vandals and thieves with inviting items in full view. If you are consistently careless about this, your auto insurance rate will likely suffer one day.

Always take your keys with you - even if you are just dashing into the house to grab something, turn your car off and take your keys with you. Don’t leave your car running when going to the corner store, warming up the car in the winter, stopping at gas stations, or when going to the bank machine (bad for the environment too). Don’t leave a set of spare keys inside the car; experienced car thieves (i.e. car insurance rate increaser’s) know where to look for them.

Roll up all of your windows and lock your doors - you can always air out your car later, if you are worried about your car getting stuffy. It’s better to have a stuffy car than no car at all and a higher auto insurance rate later. This rule of course, doesn’t’ apply when you have children or animals in the car. Lock your doors when your car is in your driveway, parked on the street, in the parking lot at work, and even if you go for a quick run to the corner store for some milk. When driving, be cautious about traveling through non-major and dimly lit streets, but, if you have to, make sure you keep your eyes open and your doors locked.

Parking. Park your car in your own private locked garage if you can, rather than on the sidewalk or even in the driveway. If you have more than one car, consider keeping the more valuable one in the garage. Make sure to park in well-lit areas. If you know that you will not be returning to your car until later at night, it’s worthwhile to consider parking in a safer parking lot.

When you approach your car at night, always have your keys ready, and if possible, carry a flashlight with you. Before you start your car, make sure to take a look in the backseat and around the car and lock the doors once inside. Be wary if your car is parked between large vehicles, like vans or SUVs, to avoid being ambushed. It’s better to spend the money on parking at an attended lot than to park in a deserted street where there are no passerby’s, attendants, or witnesses. Remember, besides your auto insurance rate, or even your car, it’s ultimately your safety that should be your first priority.

Consider the type of car you buy in the future. If the make and model of car that you’re considering for purchase has a bad history of car theft, then it’s very likely that your auto insurance rate will be significantly higher than it would be with a car that has a lower auto theft rating. Consider your choice from this perspective.

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