How to Save on Your Insurance Premiums

Save on insurance premiums

While shopping around for home or auto insurance, you may have noticed that premiums have gone up. Why? Accidents are on the rise, particularly accidents caused by distracted driving. Today’s technologically-advanced vehicles are more expensive to repair. And more extreme and frequent weather events are resulting in more claims.


So, how can you reduce your insurance premiums?

  • Opt for group insurance

If you’re part of an organization, union, professional order, association or company that has an agreement with us, you could get exclusive group rates on your home and auto insurance. Try our group search to see if you’re eligible.

  • Bundle your insurance with the same company

When you insure all your vehicles (including cars, motorcycles, snowmobiles and ATVs) with us, you’ll save with the Multi-Vehicle Discount. You’ll also save if you insure your vehicle and home with us, thanks to the Multi-Line Discount.

  • Get rewarded for your good driving

Are you a driver who follows speed limits, keeps a safe following distance and never texts behind the wheel? The Personal gives you a discount if you’ve had no traffic violations in the last few years.

You can also save on your auto insurance premium by signing up for Ajusto®, our telematics program. Your good driving habits could help you save even more. You have nothing to lose! Download The Personal app for free on your smartphone. It’s no secret that safe driving will result in lower auto insurance premiums.

  • Consider buying a hybrid or electric vehicle

The Personal offers you a discount if you drive a hybrid or electric vehicle. Not only will you save money on fluctuating gas costs—you’ll also reduce your insurance premium! It’s a good idea to look into the government incentives available for buying or leasing these types of vehicles.

  • Take measures to protect your home

When you take preventive measures, you save on your insurance premiums through the various discounts we offer. You also minimize repair costs and avoid the inconvenience that comes with a home insurance claim.

  • Get prevention discounts

The Personal offers prevention discounts when you install a water damage prevention system or a centrally monitored burglar and fire alarm system.

  • Get Alert™, a free program for our home insurance clients

The Personal offers an innovative program to detect small water leaks before they turn into a flood. When you sign up for Alert, you get a free water and freeze detector that you can install in the bathroom, near the washing machine, under the sink or near the water heater. If the device detects a water leak, you’ll immediately get a notification on your smartphone.

  • Get Radar™ to receive alerts when severe weather is a risk

Radar is free for everyone; you don’t need to be insured with The Personal to use it. It gives you advance warning about weather risks within 500 metres of your home. Just enter your address in Radar and get safety tips for hailstorms, heavy rainfalls, high winds, tornadoes and hurricanes. Alert and Radar are available through The Personal app. Download it for free!

  • Save thanks to your good record

Fewer home insurance claims means lower premiums. And you’ll get a great discount if you haven’t made any claims in the past few years.

  • Increase your deductible

The deductible is the amount you pay when you make a claim. The higher your deductible, the lower your premium. It’s a basic principal of insurance.


OSPE has a partnership with The Personal Insurance Company with regards to home and auto insurance for our engineers, engineering graduates and engineering students. To find out more, call 1-888-476-8737. Or visit

The Personal refers to The Personal General Insurance Inc. in Quebec and The Personal Insurance Company in all other provinces and territories of Canada.

The information and advice in this article are provided for informational purposes only. The Personal shall not be liable for any damages arising from any reliance upon such information or advice. The Personal recommends using caution and consulting an expert for comprehensive, expert advice.

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