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COVID-19 & your car insurance:
Tips to reduce your car insurance premium

With many businesses closed and most of us at home due to the pandemic, you could be driving less. If you're looking to save money, consider making changes to your car insurance. Here are 5 ways you might be able to reduce your premium during this time.

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 not commuting to work 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 Basic Autoplan coverage through ICBC, you get a choice when it comes to optional car insurance. At BCAA, we sell our own brand of optional car insurance called BCAA Optional Car Insurance. Here are some ways you could maximize your savings with BCAA Optional Car Insurance:

Learn more about how you can save with BCAA Optional Car Insurance.

To learn more about ways to reduce your car insurance premium, talk to one of BCAA’s expert advisors. You can request a call back or call us at 1-888-268-2222. Plus, we’re now equipped to renew your ICBC Autoplan by phone. So, when it comes time to renew your car insurance, consider giving us a call from wherever you feel most comfortable.