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Your assistance in this complicated renewal has been sincerely appreciated. Thank you so much for going "above and beyond" to ensure we got the best insurance.

Hagersville customer

First-time Driver Looking For Insurance? What You Need To Know

Teen Driver

I’ll never forget the day I received my driver’s licence at the tender age of 16. To my parents, it was just a teen rite of passage but to me, it marked an entry into the ranks of adulthood. You would have thought that I had been given a pair of wings instead of occasional access to my father’s Chevrolet. However, the euphoria wore off the moment I was listed as a driver on my father’s insurance policy, sending his premiums skyrocketing right through our tiled roofing.

I wish I knew then what I know now. And so, in an effort to prevent or reduce the effects of shellshock in young, first-time drivers looking for insurance, here are some tips to consider:

  • Consider a higher deductible (the amount you pay in the event of an insurance claim) to lower your premium – but make sure it’s one you can afford to pay if you’re involved in a collision.
  • Go to driving school. Some insurers may offer a discount if you’ve completed a certified driver’s education course approved by your Ministry of Transportation.
  • When it comes to insurance, the car you drive matters. Some models like four-door sedans are less popular with thieves. A car with a lower cost insurance rating will help keep your premium affordable.
  • On the honour roll? Don’t keep it to yourself – tell insurers about it! You may be eligible for a reduced premium if you maintain a certain average and provide transcripts as evidence.
  • Put safety first. A car with approved safety features like anti-lock brakes, air bags, a tracking system or car alarm is less likely to be stolen or involved in a collision – this means a lower premium.
  • Piggyback onto your parents’ insurance policy as an occasional driver if you don’t plan on driving that often. A young, occasional driver will pay a lower premium than a young principal driver. Even if you’re buying your own car, get a quote from your parents’ insurer first – discounts may be given for having more than once car on the same policy.


Most importantly, the best way to low premiums is to drive carefully to stay collision and conviction-free

Source: By Maria Miceli 

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HAMILTON
100-1725 Upper James St
Hamilton, ON L9B 1K7
Local: 905-575-5969
Toll-Free: 1-800-463-8074

OAKVILLE
112 Wilson St
Oakville, ON L6K 3G6
Local: 905-338-6888
Toll-Free: 1-866-610-6888

ST. CATHARINES
102-25 Corporate Park Drive
St. Catharines, ON L2S 3W2
Local: 905-688-2772
Toll-Free: 1-877-280-2772

HAGERSVILLE
6 Parkview Road, P.O. Box 28
Hagersville, ON N0A 1H0
Local: 905-768-3384
Toll-Free: 1-800-665-7790

TORONTO
1005-480 University Ave
Toronto, ON M5G 1V2
Local: 416-506-JENN (5366)
Toll-Free: 1-800-463-8074