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Whether you are a new driver or have driven for 20 years, you need to have car insurance. If you happen to get into an accident, you car insurance will cover most of the damages. If you get caught driving without car insurance, you could get your license suspended or even arrested. The good news is that car insurance does not have to be expensive. In fact, it can be very affordable. Here are some great tips on how to get cheaper car insurance in Ottawa. Raise Your Deductible The idea of raising your deductible might not sound that great, but it can really lower your monthly premiums by a lot. After you find out how much your new deductible is, put that amount of money away in a savings account. That way, you at least know you have enough money for the deductible if an accident happens. Install an Alarm System An easy way to get cheaper car insurance in Ottawa is to install an alarm system in your car. If someone tried to break in your car, the alarm will go off. It will cost money in the beginning, but it can save you money in the long run. When insurance companies know that you car has an alarm system, they will see you as less of a risk and may offer you cheaper insurance. Move to a Safer Neighborhood If you live in a neighborhood with a high crime rate and can afford to move, you definitely should think about moving to a safer neighborhood. Believe it or not, some insurance companies offer cheaper car insurance to people who live in nicer neighborhoods. When you live in a safe neighborhood, you car will be less likely to get stolen, so insurance companies see you as less of a risk. Always Drive Carefully Whether you are an experienced driver or not, you should always drive carefully on the road. You should always obey the speed limits and keep your eyes on the road. If you drive too fast or get distracted, you are more likely to get a speeding ticket or cause an accident. Even one little speeding ticket can cause your insurance rates to go up. The insurance company will see you as an irresponsible driver who is more of a risk. Increase Your Credit Score Did you know that insurance companies are more likely to offer you cheaper car insurance in Ottawa if you have a good credit score? This is a true fact. Insurance companies see people with higher credit scores as more responsible. If your credit score is not that great right now, make an effort to increase it. For example, if you just pay the minimum on your credit cards each month, pay more. You should also always pay your bills on time each month. Making these simple changes can help raise your credit score. Bundle Your Insurance Policies Do you have more than one policy with the same insurance company? If so, you should bundle your policies. For example, if you bundle your car and home insurance policies, you will get a much cheaper rate. If you follow these great tips, you can get cheaper car insurance in Ottawa. Do not be afraid to shop around. If one insurance company's rates are way too high, just go to another insurance company. Also, do not forget to ask about discounts. For example, if your son gets good grades in school, an insurance company might offer you cheaper rates. An insurance company also might offer you cheaper car insurance if you park your car in the garage.
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