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Tips to save on car insurance

For many of us, managing expenses is an ongoing challenge and we're all looking for ways to cut costs. If you want to save money this year, consider making changes to your car insurance. Here are five ways you might be able to reduce your premium.

1. Have two vehicles? Take one off the road

Person pulling car cover

If you have two vehicles in the household that aren't being driven daily, it may be worthwhile to take one vehicle off the road by cancelling coverage on it and setting up a storage policy while you or your family are driving less. Keep in mind with a storage policy, your vehicle must be parked on private property and you can't drive it under any circumstances. For more information about cancelling coverage and setting up a storage policy, talk to one of our expert advisors.

2. Explore your optional car insurance options

woman wearing headset looking at computer

You might want to consider exploring all your options for optional car insurance. Simply get a quote and compare. You might be surprised at the lower rates. At BCAA, we give you two choices in optional car insurance so you can save, get better coverage, or both.

Get a BCAA Optional Car Insurance estimate online in minutes and compare.

3. Increase your coverage deductible

Typically, the higher your deductible, the lower your premium is.

A deductible is a portion of insurance you agree to pay upfront if you need to make a claim. However, make sure if you get into an accident, you can accommodate the higher deductible selected.

4. Change your vehicle usage

If you’re working remotely or driving less, talk to one of our expert advisors about changing your vehicle usage during this time. Remember to tell us when you start driving regular distances again so we can ensure you have the proper coverage in place.

5. Ask about available discounts

You might qualify for discounts you’re not aware of. Simply ask us about any available discounts.

While all vehicle owners are required to have ICBC Autoplan basic insurance coverage, you get a choice when it comes to optional car insurance. At BCAA, we offer BCAA Optional Car Insurance and here are some ways you could maximize your savings with BCAA:

To learn more about ways to reduce your car insurance premiums or renew your car insurance, BCAA’s expert advisors are here to help.

Eligible drivers may renew their ICBC Basic Autoplan insurance and BCAA Optional Car Insurance online, learn more at

*BCAA Member savings on insurance products are only available with Basic, Plus, or Premier Membership plans. For full details, please visit
BCAA Optional Car Insurance and Autoplan are sold through B.C.A.A. Holdings Ltd. dba BCAA Insurance Agency, a licensed insurance agency. BCAA Optional Car Insurance is underwritten by CAA Insurance Company and Autoplan is underwritten by the Insurance Corporation of British Columbia.