Group 77

Benefits of Having a
Spotless Driving Record

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What are the benefits of having a spotless driving record

Car insurance companies are known to offer multiple discounts. Having anti-theft devices, good grades or low annual mileage will help a driver qualify for better premiums. Good driver discount is one of the most common discounts offered by insurers.

This discount can potentially save the policyholder several hundreds of dollars. The value of the discount varies by carrier and its requirements. Some companies require 3 years of driving without claims and incidents, while other companies may ask for 5 years.

In some cases, the discount is broken into 2 components, each one granting a separated discount. Those components are:

This discount is applied per driver. Anyone registered as a driver of a covered car will receive the discount when meeting the requirements. This means that a lot of money can be saved when multiple drivers get a good driver discount.

It can save a huge amount of money. As mentioned before, the value of the discount varies by insurance company. However, it is a generous discount and this is why so many drivers try to seize it. Some companies offer as much as 30%-35% off the premium value. The reason why it is so valuable and desirable is simple: insurance companies prefer to cover safe drivers who would make them a profit in the long term.

With a good driving record(s), the real savings comes in, when you combines 2 or mores policies together.

**Don’t be content with what you are currently paying for your home and auto insurance. Have a trusted brokers to review your policies. Pretty confident he/she/or I can help you save!**
What are the benefits of having a spotless driving record

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pile coins forming graph car
Group 167

Home and auto insurance is generally really expensive

Auto insurance is mandatory in Canada. Driving without insurance can lead to fines up to $10,000.
Driving uninsured turns out to be incredibly expensive and very risky. The risks greatly outweigh any perceived benefits, not only for yourself as the driver, but also for any passengers if involved in an accident. Whether you find yourself in an accident with an uninsured or insured driver, a trusted broker will be here to weather you through the storm.

Even though homeowners insurance is not required by law. Getting home insurance if you live in Alberta is highly recommended. Threats to your home include fire, windstorm, and – as many Albertans know first hand hailstorms and floods. And if you have a mortgage, your lender will require you to have an insurance policy, even though it’s not required by law. Mortgage companies will still need to protect themselves if anything happens to your property.

Tenant insurance isn’t required in Alberta, but it’s common for landlords or rental contracts to require proof of insurance before you can sign the lease. So, do you need a renters policy? No matter what the conditions of your rental are, having tenant insurance is always a good idea. Consider how much it would cost to replace all the things in your place, out of your own pocket. Renters insurance has those costs covered (and more) in case the unexpected happens.

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Group 170
Group 171new

No Violations


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2 non-serious violations


Group 173 new

2 + Violations / License Suspension


Insurance in Alberta is highest in Canada, overtaking British Columbia and Ontario in 2022.

It always pays to shop around when getting new insurance or even upon renewal. Bundle your home and auto policies to take advantage of more savings

5 biggest reason for the big increase:

There’s nothing like your home. It’s where you spend a lot of your time. It’s an investment. It’s your place of refuge. In Alberta, your home also shelters us from the outside elements: wind, rain, cold, snow, and everything else our tumultuous weather has to offer. Our homes are also one of our most valuable assets – they can be expensive to repair or replace. It makes sense to protect our homes with insurance.

5 biggest reason for the big increase:

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happy family with mother showing on something isol 2022 12 16 21 31 15 utc
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