While shopping for home or auto insurance, you may have noticed that premiums have gone up, making some people question what coverage is necessary. However, if you’re planning on cancelling a policy, there are a few things to consider before you do.

Why? Accidents are on the rise, particularly accidents caused by distracted driving. Pair that with extreme and frequent weather events and expensive repairs on today’s technology-advanced vehicles, and the result is more claims than ever. So, how can you reduce your premium?

Opt for group insurance

As an APEGA member, you can access exclusive group rates on your home and auto insurance, which can help you save money.

Bundle your insurance with the same company

When you insure all your cars with us, you can save with the multi-vehicle discount. You can also save if you insure both your vehicle and home with us, thanks to the multi-line discount.

Get rewarded for your good driving

It’s no secret that safe driving will result in lower auto insurance premiums.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.

As well, 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.

Take measures to protect your home

When you take preventive measures, you can save on your insurance premiums through the various discounts that you may qualify for. 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

We offer 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 Radar^TM to receive alerts when severe weather may damage your property

Radar is free for everyone and 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 mean lower premiums and you can 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.