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How to Save on Car Insurance in BC

Like many other purchases we make, we don’t want to pay any more than we have to to get good quality car insurance.

Top 10 Ways to Save Money on your Auto Insurance


1. Drive safely to avoid having a claim
It may seem obvious but keeping your driving record claim free will save you the most on your Autoplan premiums. That’s because for each consecutive year you drive without a claim, you take a step up ICBC’s claim-rated scale. Stay claim free and reach the top discount and you’ll save up to 43% on your Autoplan Basic premium. For more information on the Claims Rated Scale, ask your Westland Insurance representative or go to

2. Be choosy about who drives your vehicle
Driving carefully is important but making sure that the only people who drive your vehicle are safe drivers is key too. If someone has an at-fault collision when they’re driving your car, it’s your insurance premium that will be affected.

3. Protect yourself against theft 
Vehicle theft has become a growing problem in BC. You can qualify for a discount on your premium by installing the right type of anti-theft device. While there are many types of anti-theft devices, you can get a reduced premium by having an electronic immobilizer professionally installed in your vehicle.

4. Ask about possible discounts
Drivers who are age 65 or older or who have a disability may qualify for additional discounts on their Basic Autoplan premium. As well, antique and collector plates offer insurance at a lower rate for special vehicles and, if you’re insuring five or more vehicles, you may be eligible for a fleet discount.

5. Choose your coverages carefully
The age and condition of your vehicle may determine the type of auto insurance you need. Be sure to ask your broker to review your insurance coverage every renewal to ensure you are purchasing the right level of protection.

6. Ask your broker about higher deductibles 
Depending on factors like the age or condition of your vehicle, you may want to consider raising your deductible on optional coverages such as Collision or Comprehensive. These higher deductibles can enable you to still carry the coverage you’re looking for but at a more affordable price.

7. Protect your claim free discount whenever possible
Drivers can choose to repay their claims to maintain their current discounts. This is the only way to protect your current discount level if you have an at-fault crash.

8. Look at buying bundled coverages 
We offer a number of excellent coverage packages such as RoadStar and Roadside Plus. These packages will save you money over buying them separately and give you the overall peace of mind you’re looking for. In the case of Roadside Plus, you get eight coverages for one affordable price.

9. Take another look at what you drive
The type of vehicle you’re insuring is one of the factors that is involved in determining your premium. Typically, the more a vehicle costs to repair, the higher the premium will be.

10. Make sure you rate your vehicle accordingly 
Another factor that determines your premium is how you use your vehicle. If your vehicle is insured for to-and-from work and you’re only using it for pleasure, notify your broker.


For more good advice about how to save money on your car insurance, contact the Westland Insurance Group office that’s most convenient for you or call our Telecentre at 604-543-7788 or toll free at 1-800-899-3093.