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 premium?
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 get a more personalized premium based on your driving by signing up for Ajusto®, our telematics program. Your good driving habits could help you save! Download The Personal app for free on your smartphone.
It’s no secret that safe driving will result in lower auto insurance premiums.
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.
Protect your home alarm system
The Personal offers a prevention discount if you have a centrally monitored burglar and fire alarm system installed in your home.
Get a water damage prevention system
The Personal offers discounts when you have one of the following water damage prevention systems installed in your home: an automatic valve shut-off system, leak detectors connected to a central monitoring system or a pneumatic backflow system.
Get RadarTM to receive alerts when severe weather may damage your property
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.
Radar is available through The Personal app.
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 principle of insurance.
To find out more, call 1-888-476-8737.
Or visit thepersonal.com/ospemembers
This article is being provided by the Ontario Society of Professional Engineers on behalf of The Personal which has a group sponsorship agreement with regards to home and auto insurance for our members. 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 provided is meant to be illustrative only and does not constitute or replace the advice of experts. Conditions, exclusions and limitations may apply.
Ajusto is underwritten by The Personal, which refers to The Personal General Insurance Inc. in Quebec and The Personal Insurance Company in all other provinces and territories of Canada. Ajusto® is a registered trademark of Desjardins General Insurance Inc., used under licence. RadarTM is a trademark of Desjardins General Insurance Group Inc., used under licence.