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Three things you can do to help keep your auto insurance costs down

Three things you can do to help keep your auto insurance costs downWhen it comes to insurance, Canadians have an opinion. In a recent survey conducted by Leger for PC insurance, Canadians weighed in on their behaviours behind the wheel. The problem is that many of those behaviours weren’t that positive. “Many Canadians don’t even realize that not only is their behaviour distracting, but that it also has an impact on their insurance costs,” says Kathy Buckworth, Chief Family Advisor for PC Financial services. “It often leads to tickets or traffic violations that can end up impacting a driver’s record for an extended period of time. No matter how you spin it, the cost just isn’t worth it.”

The good news is that there are things you can do to help keep insurance costs down. Here are three to get you started:

  1. Stop Talking on the Phone
    The Leger survey found that 37 per cent of respondents admit to talking on a cellphone while driving. A whopping 96 per cent claim to have witnessed this behaviour in others. Those numbers suggest that despite laws against this behaviour in many provinces, people are STILL having conversations on the phone while in the car. This behaviour is dangerous and if you get a ticket or cause an accident while doing so, you risk increased insurance costs. Bottom line - don’t do it.
  2. Stop Texting while Driving
    The survey also found that 22 per cent of respondents admit to texting while driving. And 85 per cent say they have witnessed others doing it. Texting while driving seems to be a prevalent distractive driving behaviour. Not only are you taking your eyes off the road but your hands as well. The repercussions for sending that text can be huge. And in retrospect it’s unlikely that “LOL” or “TTYL” will be worth it if it leads to an accident.
  3. Get Professional Advice
    The survey found that more than half of respondents seek advice from family, friends or coworkers when researching insurance options, while 35 per cent will do their own research. That’s a lot of people asking for important advice from people who may not have the right information. Interestingly, only 30 per cent of survey respondents say that they will use an insurance broker to find the best coverage to fit their needs. Young Canadians are especially dependent on family when making insurance decisions: 59 per cent of respondents between the ages of 18 and 34 said that they would turn to their parents for advice. Insurance is important and while anecdotal information is helpful, getting professional advice can make a huge difference in making sure you are properly covered.

    Kathy Buckworth, Chief Family Advisor for PC Financial services notes “While family and friends have our best interests at heart, insurance brokers can offer the professional expertise and knowledge to help you make the best insurance decision based on your individual needs.”

    About the Survey
    The survey of 1,500 Canadians was conducted for PC Financial Insurance Broker Inc. between July 25 and July 31, 2014 using Leger’s online panel LegerWeb. A probability sample of the same size would yield a margin of error of +/- 2.5 per cent, 19 times out of 20.

General information not about PC insurance products is provided for your reference and interest only. The above content is intended only to provide a summary and general overview on matters of interest and is not a substitute for, and should not be construed as the advice of an experienced professional. PC insurance does not guarantee the currency, accuracy, applicability or completeness of this content.

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