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Calgary Insurance: How Important Is Regular Car Maintenance Service

Calgary Insurance

Did you know that opting not to perform regular car maintenance services could lead your Calgary auto insurance companies to charge you more? In the beginning, you will think that you can save a lot of money if you just let your car be. Apart from the problems that you might have to deal with concerning your car, not having proper maintenance could also cause you higher insurance premium.

Here are the top reasons why you should keep your car properly maintained according to online car insurance quotes Calgary experts:

  • Maximize car efficiency – A regularly serviced vehicle can last you a lifetime. It could also assure you a great driving experience every time. More than that, a highly efficient car can bring your car insurance coverage up even when your auto insurance premium is low.
  • Security – Your car will always be in great condition to take you around the city. If you want to ensure the safety and security of you and your family while you are on the road, it is a must that you keep your car maintenance services up to date.
  • Car Warranty – Car warranties become null and void when car servicing is not properly followed by the owner. This is seen as a neglect of the owner. Sadly, the cancellation of the car warranty could cause great damage to your credit rating and later on to your insurance policy.
  • Market Value – a car that is properly maintained can be sold at a good price. With the right Edmonton car insurance policy, you can get anyone to buy your car without selling it for a cheaper price. Tap here to get more info on Edmonton car insurance quotes.

Efficiency, safety and reliability are the top three reasons why you need regular and proper maintenance for your car. Every free car insurance quotes Edmonton on how you keep your car running smoothly as they compute the car policy you should get and the insurance premium you ought to pay every month. Car maintenance includes the popular change oil and engine clean up. All of these services may cost you now but the returns of your investment could bring about more.

 

 

Home Insurance: 5 Factors Affecting Policy Rates

Insurance

Getting home insurance is most practical for homeowners who spent thousands of dollars in building their home. In times of disasters, you can always rely on your premium coverage. Calgary insurance companies are giving their clients assurance in filing claims.

You need to know the factors affecting your home insurance rates before asking for free insurance quotes. Insurers don’t look at the value of your home alone. These are the factors that greatly affect the calculation of your home insurance rates.

  • Age and Type of Construction – Newly built homes are in better shape compared to older homes. Because of this, newer homes have lower premium rates than older ones. Edmonton insurance looks at electrical wiring, plumbing and HVAC system as significant features in determining your new homes insurance rate.

 

Insurance

Plus new homes that are strong and sturdy with fire resistance materials are cheaper to insure than homes using flammable materials like wood.

  • Location – This factor greatly affects home insurance rates. Insurance companies are offering high rates when your home is situated in an area where there are no fire stations within 5 miles. Premiums are also high if you’re located in an area prone to natural disasters such as wildfires and tornadoes.
  • Claims History – It’s not advisable to file frequent claims. If you can do minor repairs, then better do it yourself. Most auto insurance Edmonton give higher premium rates to homeowners who have history of regular claims.
  • Risk FactorsCar insurance Edmonton consider these risk factors as a major influence in getting higher home insurance rates. It includes swimming pools, guest houses, aggressive dogs and trampolines. Most insurance companies don’t want to cover for accidents involving these factors.
  • Credit Score – It’s simple to understand. High credit scores mean lower risk level. Homeowners with good credit score file fewer claims than with those who have poor credit. Insurers reward homeowners who have high credit score by giving them cheaper insurance rates. To get more info on  insurance companies, please follow this link.

Don’t think twice in spending your money for home insurance. Natural disasters happen when you least expect. Preparation is the key to avoid costly accidents. And buying insurance will put your anxieties to rest.