MAKE USE OF THE AVAILABLE DISCOUNTS

(AUTO)

Winter tires discount

My driving discount

Multi vehicle discount

Combined discount

Good student discount

Graduation discount

Student away from home discount

MAKE USE OF THE AVAILABLE DISCOUNTS

(AUTO)

Anti theft device discount (Boomerang etc.)

Out of Canada driving experience discount

Loyalty discount

Driver training discount

Retiree/Mature driver discount

THINGS AFFECTING YOUR INSURANCE

RATES

(AUTO)

Area where you live (postal code)

Use of your vehicle (pleasure, commute,

business)

Your driving record & experience

Insurance policy cancellations (non-payment)

Age of the driver

Tickets, at-fault accidents

HOW CAN I REDUCE MY PREMIUMS?

(AUTO)

Increase your deductible

Pay your premiums all at once

Shop around

Combine your home and auto

Review you coverage options every year

(Full coverage vs Third Party)

Be a good driver (what if I got a ticket?)

Chose a car with the insurance costs in mind

(hybrid & electric cars vs traditional vehicles)

BUY YOUR NEXT CAR WITH THE INSURANCE COSTS IN MIND!

(ThinkInsure.ca, Cheapest Cars To Insure For 2016 )

1. Honda Odyssey LX

2. Honda CR-V LX

3. Dodge Grand Caravan

4. Jeep Patriot Sport 2WD

5. Jeep Wrangler Sport

6. Jeep Compass Sport 2WD

7. Ford Escape S 2WD

8. Buick Encore Sport Tour

9. Jeep Cherokee Base 2WD

10.Nissan Frontier King Cab (Call your broker before you buy your new car to see how much it will cost to insure)

THE 10 MOST STOLEN VEHICLES

IN ONTARIO(Insurance Bureau of Canada, Dec. 2015)

1. 2003 Cadillac Escalade 4WD SUV

2. 2010 Acura ZDX AWD SUV

3. 2009 BMW X6 AWD SUV

4. 2013 Acura MDX 4WD SUV

5. 2003 Chevrolet Avalanche 1500 pickup

6. 2013 Toyota Highlander 4WD SUV

7. 2005 Hummer H2 AWD SUV

8. 2014 Toyota Venza 5-dr

9. 2011 BMW X6 AWD SUV

10. 2004 Chevrolet Avalanche 1500 pickup

PROTECT YOURSELF AND YOUR VEHICLE!

Accident Waiver

Waiver of Depreciation

Roadside Assistance

Rental vehicle coverage

Increased Accident Benefits

THINGS AFFECTING YOUR INSURANCE COSTS

(PROPERTY)

Age of the house/updates in the house

Size of the house

Fire protection

Number of mortgages

Property claims/losses in the past 5 years

Wood burning units

Swimming pool

Credit history

Claims, non-payment cancellations

MAKE USE OF THE AVAILABLE DISCOUNTS(PROPERTY)

Combined discount

Security system discount

Loyalty discount

Stability of residence discount

Retiree/Mature resident discount

Non-smoker discount

Mortgage free discount

First time buyer discount

Tankless water heater discount

Sump pump, back flow valve discount

HOW CAN I REDUCE MY PAYMENTS?

(PROPERTY)

Increase your deductible

Avoid small claims

Shop around (broker vs agent)

Consider one shot premium payment

Install fire & theft monitored security system

OTHER WAYS TO SAVE

Check if you or your spouse might qualify for a

group plan discount

Doctors

Pharmacists

Nurses

Physiotherapists

Chiropractors

Massage therapists

Veterinarians

Dentists

Accountants

Mortgage brokers

Financial advisors

Business owners

Architects

Engineers

Lab technicians

Teachers

Naturopathic doctors

IT professionals

Pilots

Dieticians

Opticians

Lawyers

Insurance agents/ Brokers

Mutual fund license holders

Professional Drivers (A,B,C, A-Z,D-Z class of license)

NICK OBERKOVYCH, BA

Chartered Insurance Professional

HOME & AUTO

BUSINESS INSURANCE

LIABILITY INSURANCE

LIFE INSURANCE

CRITICAL ILLNESS INSURANCE

TRAVEL MEDICAL INSURANCE

VISITOR’S TO CANADA / SUPER VISA

“I will find solution for any insurance Need!”