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null How to save on your insurance premium

If you watch the news, you’ve almost certainly seen reports that extreme weather events are on the rise. And you’ve probably heard that there are more road accidents caused by driving distractions like texting.

The fact is that the frequency and severity of home and auto insurance claims is increasing and it’s having a direct impact on the insurance premiums we all pay.

However, there are things you can do to reduce your premium.

Auto insurance

Whether you’ve had auto insurance for years or you're shopping for your very first insurance policy, here are a few helpful tips that can help you save.

Be a safe driver

The better your driving record, the lower your premium. If you have several speeding tickets, claims and at-fault accidents on your record, there’s no doubt you’ll pay more for insurance.

With the Ajusto program®, the price of your insurance takes into account your driving behaviours and habits. Your safe driving could save you money. 

Increase your deductible

A deductible is the amount you pay when you make a claim. The higher your deductible, the lower your insurance premium. But before you choose a high deductible, make sure you’re comfortable paying that amount in the event of an accident.

If you have an older car, you might want to rethink the coverages on your policy. Removing Collision and upset and All Perils other than Collision or upset could be cost-effective if your vehicle isn’t worth much more than the deductible you pay for these coverages.

Choose a car with lower insurance rates

Generally speaking, the older the car, the lower the premium. It’s also worth knowing that some models are more likely to be stolen, while others cost more to repair. Before you buy or lease your next car, inquire about which cars are cheaper to insure.

Choose an eco-friendly vehicle

Not only will you save on gas, you could also get a discount on your insurance. For example, if you drive an electric, hybrid or fuel-efficient vehicle, many insurers offer premium discounts, like our Green Savings.

Insure more than one vehicle or insure your home and car with the same company

Almost all insurance companies offer this type of discount. These savings bundles may have different names like Multi-Vehicle discount, Double Contract discount or multi-product discount.

Home insurance

Whether you rent an apartment, or you own a house or a condo unit, it’s usually less expensive to insure your home than your car. But there are still ways to save. Here are our tips:

Install a home security system

This is a guaranteed way to save on your premium, no matter who you’re insured with. If you’re insured with us and you have a centrally-monitored alarm system, you’ll save on your home insurance.

Be claims free

Just like with car insurance, if you have no recent home insurance claims, you’ll enjoy lower premiums.

Buy car and home insurance from the same company

By bundling your insurance, you could be eligible for Double Contract savings and free services such as legal assistance.

Keep your home smoke free

Having a smoke-free environment at home significantly decreases the risk of fire. You’ll also enjoy lower insurance rates.


Do you earn BONUSDOLLARS® on your Desjardins Visa or MasterCard? Use them to pay part of your insurance premium.

How to save on your insurance premium

Advice on how to save money on your home and car insurance

Read our simple tips to help you save on your home and car insurance.

These tips are provided for information and prevention purposes only. They are general in nature, and Desjardins Insurance cannot be held liable for them. We recommend using caution and consulting an expert for comprehensive, tailored advice.

In Quebec, Desjardins Insurance refers to Desjardins General Insurance Inc. In Ontario and Alberta, Desjardins Insurance refers to Certas Direct Insurance Company, underwriter of automobile and property insurance.

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