USEFUL TIPS ABOUT YOUR INSURANCE Nick Oberkovych, BA Chartered Insurance Professional

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)

(ThinkInsure.ca, Cheapest Cars To Insure For 2016 ) BUY YOUR NEXT CAR WITH THE INSURANCE COSTS IN MIND! (ThinkInsure.ca, Cheapest Cars To Insure For 2016 ) Honda Odyssey LX Honda CR-V LX Dodge Grand Caravan Jeep Patriot Sport 2WD Jeep Wrangler Sport Jeep Compass Sport 2WD Ford Escape S 2WD Buick Encore Sport Tour Jeep Cherokee Base 2WD 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 (Insurance Bureau of Canada, Dec. 2015) 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

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