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

2. 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

3. 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

4. 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

5. 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)

6. (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)

7. THE 10 MOST STOLEN VEHICLES (Insurance Bureau of Canada, Dec. 2015)
IN ONTARIO
(Insurance Bureau of Canada, Dec. 2015)
Cadillac Escalade 4WD SUV Acura ZDX AWD SUV BMW X6 AWD SUV Acura MDX 4WD SUV Chevrolet Avalanche 1500 pickup Toyota Highlander 4WD SUV Hummer H2 AWD SUV Toyota Venza 5-dr BMW X6 AWD SUV Chevrolet Avalanche 1500 pickup

8. PROTECT YOURSELF AND YOUR VEHICLE!
Accident Waiver
Waiver of Depreciation
Roadside Assistance
Rental vehicle coverage
Increased Accident Benefits

9. 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

10. 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

11. 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

12. 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)

13. 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!”