Even if you purchase the safest car in the world, you can still have a high car insurance cost. Insurance companies use several factors when computing your rates, such as vehicle type, your age, and where you live. However, there is one very important aspect that impacts greatly the insurance: the driver’s experience & safety.

It’s important to be cautious about losing your status as a safer driver for minor things like driving slightly over the speeding limit, or failing to signal at all times. The best way to get lower insurance costs is through safe driving practices over a period of time. If you have had any negative marks on your record, with the use of safe driving you are sure to clear it up in a few years. You can expect your insurance price to just slice down significantly after this.

In certain regions in Canada, snow can be on theg round for as long as 9 months of the year. This leads to a lot more accidents than in other parts of the world. If cutting down on insurance prices is a priority, you should definitely use these tips. It will take a long-term commitment, but with determination, it can be done.

. Get a car inspection just before winter starts. Be sure to check the belts, as rubber cracks in cold weather, the levels of car fluid, the amount of thread on your tires and regularly check the windshield washer fluid.

. Clear the windows from ice & snow and have good visibility. If there is an accumulation on the hood, you may want to clear that too.

. Do not use the cruise control setting when you are driving through winter weather. Even with slight braking you can lose control.

. Always leave plenty of space to stop in time.

. Brake with caution. Give yourself time to slow down. It is a good practice to put your vehicle in a lower gear before hitting the breaks. This type of slowing down will help you get better control over the vehicle without locking the wheels.

. It’s a good idea to have fog lights turned on, or at least positions. If it is dark or cloudy outside, you want to make sure that other drivers can see you.

. Be careful crossing bridges. Being made of steel, they freeze up faster than the roads do.

. Not all exit ramps have been salted or de-iced, so exit slowly.

. Remember that if you drive a big truck, you are not invincible. Larger vehicles take longer to slow down, so leave even more space.

. Keep your distance from snow plows and avoid passing them. Even if they drive slowly, stay behind them because the road is probably much worse in front of them. Better to be safe, than sorry.

. BE CAREFUL!

With just a little extra caution over time, you’ll be able to lower your insurance costs.