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Want to know more about AGR and receive updates on our products and services? As leaders in the insurance business, we have a lot of information to share with you about how you can lower your rates, and find the right insurance products to meet your family’s needs.

Auto Insurance Tips

Here are some ways you can help reduce your car insurance rates:

Drive cautiously: Your driving record is an important factor in influencing your rates. Accidents remain on your record for six years; other infractions remain for three years. Cautious drivers with few accidents can expect to receive lower insurance rates.

Drive a lower-risk vehicle: Some vehicle models are more popular with thieves, have higher repair costs, or are statistically involved in more frequent accidents than other models. Call us to determine whether the vehicle you’re considering will affect the cost of your insurance.

Enroll in driver’s education courses: New drivers who completed a driver’s education course within the last three years pay lower insurance rates.

Install an anti-theft system: Even if your insurer doesn’t require it, your vehicle is less likely to be stolen if it is equipped with an anti-theft system. Installing one can lower your insurance rates.

Increase your deductible: The higher your deductible, the more you save on your rates. In the event of an accident, you will have to pay a larger portion of the costs with a higher deductible.

Group your home and car insurance: By having your home and car insurance with the same insurer, you are able to receive some benefits and additional savings.

Take advantage of public transit: Insurance rates are higher for those who commute by car. By using public transit to get to work, you can qualify for lower rates.

Home Insurance Tips

Here are a few tips for lowering your home insurance rates:

Learn about the area around your home: The physical characteristics of your home and its environment have an impact on your rate. Factors such as building age, the number of dwellings, the terrain, and fire protection will influence your rate. Get information from an estate agent or an insurance broker before moving in.

Install an alarm system: You can save money on your home insurance by installing a fire and theft alarm system that is linked to a central surveillance system. Enjoy the peace of mind and savings by installing this added level of protection!

Increase your deductible: If your financial situation permits, increase the amount of your deductible. A higher deductible reduces your rate, but you have to be prepared to pay it in the case of a claim.

Maintain a good claim history: Those who have made several claims in the past generally experience higher rates than those who have not made a claim. You can manage your costs by maintaining a good claim history.
Group your home and car insurance: By having your home and car insurance with the same insurer, you are able to receive some benefits and savings.

Check the contents of your insurance policy: It is a good idea to regularly assess the extent of our coverage and compare it against the value of goods and the supplementary guarantees. For example, have you made any major purchases in the last year? Have you decreased the inventory of your goods? Has the value of your goods decreased? These are reasons to increase or decrease the value of your insurance.

Make an inventory: Make a video or take pictures of the inside your apartment or house to document your personal belongings. Keep these records in a safe place. Doing so helps estimate the value of your belongings, and improves the accuracy of the claims process!