{"id":7823,"date":"2025-10-20T05:01:00","date_gmt":"2025-10-20T05:01:00","guid":{"rendered":"https:\/\/youset.ca\/?p=7823"},"modified":"2026-03-16T12:11:33","modified_gmt":"2026-03-16T12:11:33","slug":"how-to-get-cheaper-car-insurance","status":"publish","type":"post","link":"https:\/\/youset.ca\/en\/blog\/how-to-get-cheaper-car-insurance\/","title":{"rendered":"How To Get Cheaper Car Insurance in 2026"},"content":{"rendered":"\n<p><span style=\"font-weight: 400;\">Owning a car has always been costly, but in recent years, it has hit new heights. With gas, parking, insurance, and maintenance combined, the <\/span><a href=\"https:\/\/www.thestar.com\/business\/how-much-are-canadians-paying-per-month-on-average-to-own-a-car-heres-what\/article_a457f8e2-c2bb-11ee-b93b-2f3e8fa2fb1d.html\"><span style=\"font-weight: 400;\">average cost of car ownership<\/span><\/a> <span style=\"font-weight: 400;\"> now tops $1,387 a month, with the total a year at well over $16,000.\u00a0<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Adding to the financial pressure, car insurance prices are climbing globally. In Canada, <\/span><a href=\"https:\/\/www.ibc.ca\/news-insights\/in-focus\/top-five-reasons-auto-insurance-premiums-have-increased\"><span style=\"font-weight: 400;\">the Insurance Bureau<\/span><\/a> <span style=\"font-weight: 400;\"> attributes this trend to five key factors: rising <a href=\"https:\/\/youset.ca\/en\/blog\/does-insurance-cover-stolen-cars-in-canada\/\">car theft<\/a>, persistent inflation and supply chain issues, escalating legal costs, regulatory interventions, and the increasing sophistication of new vehicle technology leading to increased repair costs.\u00a0<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">In light of all this, many drivers are left wondering how to <\/span><a href=\"https:\/\/youset.ca\/en\/car-insurance\/\"><span style=\"font-weight: 400;\">get cheaper car insurance<\/span><\/a><span style=\"font-weight: 400;\">. If you\u2019re among them, this article offers tips and strategies to help you save some of your hard-earned money. Whether or not every option is practical for your situation, you\u2019ll gain a clearer view of what\u2019s available to help reduce your insurance costs.\u00a0<\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_5f813adbf398ed309768707bf0f99a81\" class=\"post-block py-8\">\n\t\t<div class=\"py-8 md:py-11 px-6 md:px-12 rounded-l-lg border-l-8 border-indigo-500 bg-grayBluish-50\">\n\t\t\t\t\t\t\t<h3 class=\"text-grayBluish-900 mb-6\">Key takeaways<\/h3>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose body-2 text-grayBluish-900\"><p><span style=\"font-weight: 400;\">Follow these tips and strategies to get cheaper car insurance:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bundle your home and car insurance policies<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Keep a clean driving and insurance record<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay your bills on time and consider paying annually<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Improve your credit score<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Compare quotes from multiple insurers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Install anti-theft devices<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ask about multi-car discounts<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Increase your deductible if it fits your budget<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Take government-approved driving courses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Choose a vehicle that\u2019s less expensive to insure<\/span><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\n\n\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bundle-your-home-and-car-insurance-policies\">Bundle your home and car insurance policies<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">If you\u2019re paying for car insurance from one provider and home insurance from another, you could be missing out on easy savings. Traditionally, bundling has meant combining policies with a single insurer, locking you into that provider&#8217;s products and prices.\u00a0<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">While this can lead to savings, YouSet offers an even more flexible approach. Instead of just comparing traditional single-insurer bundles, we use a <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/does-bundling-insurance-save-money\/\"><span style=\"font-weight: 400;\">\u201cmix and match\u201d method<\/span><\/a><span style=\"font-weight: 400;\">, combining individual car and home insurance policies from different providers. Whether our algorithms recommend a single bundle or a mix, YouSet users typically save an additional 15% when bundling this way.\u00a0<\/span> \u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pay-your-insurance-bill-on-time\">Pay your insurance bill on time<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Paying your insurance bill on time is one of the easiest ways to avoid unnecessary costs and complications. When you miss a payment, you risk incurring late fees, which can quickly add up. More importantly, failing to pay on time can lead to your policy being cancelled due to non-payment. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">This not only leaves you without coverage, but it typically makes it harder and more expensive to get a new policy elsewhere. Thankfully, setting up automatic payments or creating payment reminders can help ensure you never miss a payment. <\/span> \u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-maintain-a-clean-driving-record\">Maintain a clean driving record<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">If you need further incentive to maintain a clean driving record, consider that doing so can help keep your insurance premiums low. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">There\u2019s nothing insurance providers view more unfavourably than risk, and drivers with frequent traffic violations, disregard for road rules, or repeated at-fault accidents are typically classified as higher risk, often resulting in increased premiums. So if your driving record is exemplary, it might be worth mentioning to potential insurers.<\/span><\/p>\n\n\n\n\t<section id=\"post-cta-block_2ef3c9fb99b56db4618fa7359cbeffbb\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t<div class=\"lg:flex justify-between gap-x-6 rounded-lg bg-indigo-600 px-8 py-7 shadow-[0_2px_10px_0_theme(colors.surface.background.disabled)]\">\n\t\t\t\t\t\t\t<h3 class=\"text-white lg:mb-0\">Get the best price on car insurance year-after-year<\/h3>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.app.youset.ca\/start?lng=en&#038;externalId=blog\" class=\"the-button the-button--white !text-text-primary\">Get a quote<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/section>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-maintain-a-clean-insurance-record\">Maintain a clean insurance record<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Insurers have little tolerance for risk, and each time you <a href=\"https:\/\/youset.ca\/en\/blog\/car-insurance-claims-dos-and-donts\/\">file a car insurance claim<\/a>, you increase your perceived risk and potential costs in their eyes. This can lead to higher premiums. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">While some circumstances necessitate filing a claim, you can avoid making claims for amounts that barely exceed your deductible. If the repair cost for your vehicle falls within the range of your deductible, it is often better to pay for the repairs out of pocket rather than go through your insurance and risk an increase in your premium.<\/span> \u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-improve-your-credit-score\">Improve your credit score<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Your credit score is another signal insurers look at to assess the level of risk you present as a client. If your credit score is currently less than stellar, focus on paying down high-interest debt, such as credit card balances, and avoid opening new lines of credit. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Consistently making regular payments on loans and credit cards can also help. Not only can doing this help you get cheaper car insurance, but it can also open doors to better financing options and increase your overall financial stability.<\/span> \u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-compare-rates-between-insurers\">Compare rates between insurers<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">The best way of ensuring that you\u2019re getting the best price is to study the market and see what\u2019s being offered. Ask different providers for a free quote, and compare the different types of coverage and price points in order to find the policy that suits you. Since this strategy usually requires quite a bit of time and effort on your end, <\/span><a href=\"https:\/\/www.app.youset.ca\/start?lng=en&amp;externalId=blog\"><span style=\"font-weight: 400;\">YouSet can do some of the work of sourcing and comparing quotes<\/span><\/a> <span style=\"font-weight: 400;\"> from different providers for you.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-install-anti-theft-devices\">Install anti-theft devices<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">With the <\/span><a href=\"https:\/\/www.ibc.ca\/news-insights\/news\/new-data-shows-severity-of-canada-s-worsening-auto-theft-crisis\"><span style=\"font-weight: 400;\">cost of insurance claims for stolen vehicles<\/span><\/a> <span style=\"font-weight: 400;\"> soaring to $1.5 billion and a staggering 254% increase in claims nationally since 2018, <a href=\"https:\/\/youset.ca\/en\/blog\/anti-theft-devices-for-cars\/\">installing anti-theft devices in your vehicle<\/a> is more important than ever. Devices such as steering wheel locks and advanced GPS tracking systems can significantly reduce the risk of theft, leading many insurance companies and brokers to reward drivers who install them with discounts.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ask-about-a-multi-car-discount\">Ask about a multi-car discount<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">If you live in a household with multiple cars, it\u2019s worth asking insurers if they\u2019ll provide a discount for insuring multiple cars or drivers with them. There are usually certain requirements in order for you to qualify for this kind of deal, such as all drivers must live at the same address and\/or be related by blood or by marriage.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pay-your-premium-annually\">Pay your premium annually<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">When you choose to pay your <a href=\"https:\/\/youset.ca\/en\/car-insurance-guide\/\">car insurance premium<\/a> monthly, you may incur an interest charge ranging from 2% to 4%. So long as you have the financial means to do so, you can avoid this by opting for an annual payment instead. Many insurance companies and brokers allow you to pay the entire premium upfront in a single lump sum, which not only eliminates interest charges but can also qualify you for potential discounts.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-increase-your-deductible\">Increase your deductible<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Choosing a <a href=\"https:\/\/youset.ca\/en\/blog\/high-or-low-insurance-deductible\/\">higher insurance deductible<\/a><\/span><span style=\"font-weight: 400;\">&nbsp;indicates to your insurer that you\u2019re willing to take on more risk upfront, often resulting in lower monthly premiums. However, it\u2019s essential to thoroughly evaluate your financial situation and budget before making this decision. If you cannot comfortably afford to pay the deductible amount out of pocket when filing a claim, consider implementing one or more of the other strategies mentioned instead.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-take-government-recognized-driving-courses\">Take government-recognized driving courses<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Government-recognized driving courses demonstrate your commitment to safe driving practices, and many insurers offer discounts as a reward. If you recall completing these courses as a student driver, ensure that your insurer is aware of this to potentially benefit from lower premiums. If you haven\u2019t taken any courses, it may be worthwhile to compare the cost of enrolling in a recognized program with the potential savings on your monthly car insurance bill.<\/span> \u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-choose-the-right-car\">Choose the right car<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">If you are still in the process of shopping for a car, consider how the make and model of the vehicles you are looking at will impact your insurance premiums, and choose accordingly. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">For example, opting for a vintage vehicle with hard-to-find parts will likely result in higher insurance quotes compared to selecting a more common, modern vehicle. Insurers typically favour cars that are considered safe, have parts that are easily replaceable, and don\u2019t have any customized features.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Owning a car has always been costly, but in recent years, it has hit new heights. With gas, parking, insurance, and maintenance combined, the average cost of car ownership now tops $1,387 a month, with the total a year at well over $16,000.\u00a0 Adding to the financial pressure, car insurance [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":7824,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[459],"tags":[],"class_list":["post-7823","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How To Get Cheaper Car Insurance in 2026 - YouSet<\/title>\n<meta name=\"description\" content=\"Find out how to get cheaper car insurance in 2026 and save some of your hard-earned money with the tips listed in this article\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/youset.ca\/en\/blog\/how-to-get-cheaper-car-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How To Get Cheaper Car Insurance in 2026\" \/>\n<meta property=\"og:description\" content=\"%\" \/>\n<meta property=\"og:url\" content=\"https:\/\/youset.ca\/en\/blog\/how-to-get-cheaper-car-insurance\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/yousetinsurance\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-20T05:01:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-16T12:11:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/youset.ca\/wp-content\/uploads\/2024\/11\/How-To-Get-Cheaper-Car-Insurance-YouSet.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Emily May\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emily May\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/how-to-get-cheaper-car-insurance\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/how-to-get-cheaper-car-insurance\\\/\"},\"author\":{\"name\":\"Emily May\",\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/#\\\/schema\\\/person\\\/0686aae361019707f752e540bb05fb40\"},\"headline\":\"How To Get Cheaper Car Insurance in 2026\",\"datePublished\":\"2025-10-20T05:01:00+00:00\",\"dateModified\":\"2026-03-16T12:11:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/how-to-get-cheaper-car-insurance\\\/\"},\"wordCount\":1159,\"publisher\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/how-to-get-cheaper-car-insurance\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/youset.ca\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/How-To-Get-Cheaper-Car-Insurance-YouSet.webp\",\"articleSection\":[\"Car insurance\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/how-to-get-cheaper-car-insurance\\\/\",\"url\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/how-to-get-cheaper-car-insurance\\\/\",\"name\":\"How To Get Cheaper Car Insurance in 2026 - 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