A lot of people think that auto insurance premiums are set in stone and there’s little you can do to lower them, but that’s not the case.

There are many steps you can take to lower your premiums – we’ve pulled together a list of the best ones:

  1. Be a Safe and Responsible Driver

    This is number one for a reason—not only does it lower your premiums, it also helps keep the roads safe for everyone. Your history as a driver does impact that cost of your insurance, especially if you have a history of traffic offences. Even though your demerits only last one year on your drivers license record, they affect your insurance rates for two years (four if it’s a criminal offence).

    Not only does having a history of safe driving allow you to enjoy a lower initial premium, but if you maintain a clear record, you can earn Safe Driver Rates as well.

  2. Go Green!

    We believe that people who make the effort to help protect the environment deserve to be rewarded for their effort. That’s why we are one of the small handful of companies offer a discount to drivers who purchase electric or hybrid vehicles. Turns out going green also helps protect your wallet!

  3. Keep Your Home Protected

    If you’re an AMA member, you have exclusive access to home, condo and renters insurance policies from AMA Insurance, which you can use to protect your home, your possessions and yourself against personal liability. Not only that, but by combining these policies with your auto insurance coverage, you can enjoy additional savings with our Multi-Policy discount.

  4. Graduate From AMA Driver’s Ed Program

    Since AMA’s inception, we’ve taught 850,000 Albertans how to drive and add 10,000 new drivers to that total every year. If you’ve completed our Drivers Education training, you’ll receive a coupon (up to $200 savings) you can use when you purchase an AMA Insurance auto policy.

    caring paren teaching son how to drive a car
  5. Get Complete Protection

    To save money on premiums many drivers choose to only get the mandatory coverage required by law. Unfortunately, mandatory coverage doesn’t cover theft, vandalism, fire, hitting a large animal or even collision damage to your own vehicle. Did you know – mandatory coverage only pays for the damage you caused to someone else’s vehicle—it doesn’t pay for damages done to yours, which could end up costing you a lot of money. That’s why we recommend adding Collision and Comprehensive coverage in addition to your mandatory coverage and—to reward those who do—we offer a Complete Protection discount.

  6. Insure More Than One Vehicle

    With our Multi-Vehicle discount, you can earn a discount by insuring more than one vehicle with us!

    These are just seven easy ways to save on your auto insurance rate! And we didn’t even count some of the longer-term options—like the AMA Member Discount, where you can save if you’ve been a member for 2 years or more.

    If you already have auto coverage with us or are looking to purchase some, we recommend you reach out to our expert team of Alberta-based insurance experts to discuss these options, or to make sure you get up-to-date information on how to save on your premiums.

  7. Properly Prepare Your Vehicle for Winter Weather

    There’s a reason why they don’t make just one kind of tires! Especially for places like Alberta, where the different seasons always leave a mark. Winter tires retain their elasticity up to -40 Celsius, prevent snow build-up and improve traction—enabling you to improve your stopping distance by as much as 25%.

    Which is why AMA offers a discount on your auto insurance policy if you make the winter weather swap and help keep yourself and Alberta’s roads safe!