Car Insurance Timmins

How driving history affects car insurance rates

Although the factors above will be taken into consideration when determining your Timmins car insurance rate, there is one factor that is even more important: driving history. Driving history combines your driving experience with your driving record.

In terms of experience, people with several years or even decades of driving experience may benefit from lower premiums. To an insurance company, there is a direct correlation between experience and skill. The more experience you have, the better a driver you will be. This is the reason that car insurance for young drivers is so expensive, because they have little to no driving experience.

That said, driving experience in and of itself doesn’t translate to lower premiums. In addition to having experience driving, you must have a relatively clean driving record. People who drive the speed limit and drive defensively rather than offensively are more likely to have a clean driving record. In contrast, people who do not obey the speed limit and other rules of the road may have multiple speeding tickets, accidents, or DUIs on their record. Timmins drivers with poor driving records are likely to pay more for car insurance.

Lastly, it’s worth noting that having an accident on your record, even if the accident was not your fault, can give insurance providers a reason to raise your premium.

Partner with an insurance broker

If budget is a serious concern, we recommend contacting your local insurance broker. BrokerLink’s team of experienced insurance advisors is always on hand to help you find the best deal on car insurance. We are committed to finding our customers the best policy at the best rate. How? We are experts in the field of car insurance, which means we know where to look to get you the best deal. By partnering with a broker, you’ll have someone by your side to answer any questions you may have, compare quotes on your behalf, and inform you about discounts you may be eligible for. At the end of the day, working alongside a broker is one of the best ways to reduce the cost of car insurance in Timmins.

4 tips for young drivers in Timmins

Driving is a skill that takes time to master. Practice and patience are key to improving your driving skills and becoming a safer, more confident motorist. Below are a few tips that might help young drivers get used to the road.

Slow down

A tip for drivers of all ages is to drive slowly. Give yourself extra time and space (more on that below) by driving slowly and cautiously at all times. Never drive over the speed limit and take your time when accelerating and braking. If you’re driving in poor weather, such as fog, rain, or snow, at night when visibility is reduced, or through a construction zone, we recommend slowing down even more.

Attend driving school

Attending driving school is a great way to learn about the rules of the road while getting some practical driving experience. Plus, driving with an instructor may be less nerve-wracking than practicing with your parents or someone you know well. Even better, young drivers who complete driving school may be eligible for discounts on their car insurance.

Leave extra room

Space, like time, is your friend. Always give yourself extra space. If you’ve ever taken formal driving lessons, then you may have been taught to leave two car lengths between you and the vehicle in front of you at all times. This is a good rule of thumb to follow, however, keep in mind that this distance should increase the faster you're driving. On the highway, aim to leave at least six seconds worth of space between cars. Driving at higher speeds or in inclement weather can impact braking times. The more distance between you and other cars, the more likely you are to avoid an accident.

Check your mirrors

Drivers should be aware of their surroundings at all times. While keeping your eyes on the vehicle ahead of you is important, so too is checking your rear-view and side mirrors. You should always keep track of not only the car in front of you, but those behind you, on either side of you, and ahead of you in other lanes.

Compare car insurance quotes with a Timmins insurance broker

Shopping for car insurance can feel intimidating, but it doesn’t have to be. With the help of a reputable insurance broker like BrokerLink, your car insurance experience can be entirely stress-free.

Here at BrokerLink, we do all the heavy lifting for you. We scour the internet for the best policies and compare quotes in order to get you the best deal possible. When you partner with an insurance broker, you’re saving not only time but money too!

Another advantage of working with a Timmins insurance broker is that brokers are experts in the field of car insurance. Since we don’t work for insurance companies, we can provide you with our unbiased opinions on the best coverage and policy options. At BrokerLink, we also take the time to answer any questions you may have and explain complicated industry jargon, to ensure you’re comfortable with the policy you choose.

So whether you’re a young driver buying their first car insurance policy or you’re a seasoned veteran with an impeccable driving record looking to reduce their premiums, you can count on BrokerLink’s team of insurance advisors.