It’s 2017,a year to brainstorm, prioritize and execute. Start off the year with a bang by shopping for Insurance. If saving money was your priority this year, then you most definitely need to consider having your car insured. But first things first, it all comes down to which insurance to go for.

SHOP AROUND: Prices differ from company to company, so it pays to shop around because you will be in a much better position to compare prices. Get at least three price quotes. You can call companies directly or research the information online. Most importantly, do not shop by price alone. Ask friends and relatives for their recommendations and read online reviews about the company.

Because of our sophisticated underwriting systems in Alpha Direct we could save you money by considering your individual risk profile. Premiums are calculated according to a client’s unique risk profile, meaning low-risk clients generally do not subsidize high-risk clients. Therefore, if you are a low-risk client, you could save 15% or more on your insurance costs.

DO EXTENSIVE RESEARCH: Be sure to find more about the company. How do they deal with claims? Are you certain your claim will be paid and paid on time for that matter? We cannot talk about insurance without talking about claims as well because accidents happen all the time.

With Alpha Direct, there is definitely no need to run around getting comparative quotes. Let us worry about that! When you claim, we do all the work for you. With us, there is no six-week waiting period for a stolen vehicle claim to be processed. Valid claims are paid out as soon as the necessary administrative process has been completed. Because of our highly trained staff, you are sure to have a speedy claims process.

REDUCE COVERAGE ON OLD CARS: It pays to review your coverage at renewal time to make sure your insurance is in step with your needs. For example, if your car is worth less than 10 times the premium, purchasing the coverage may not be cost effective. When this is the case, consider dropping collision and/or comprehensive coverage.

DRIVE A CAR THAT IS CHEAPER TO INSURE: Before you buy your next car, check Car Insurance rates for the models you are considering. The vehicle you drive affects your car insurance premium, particularly if you buy collision and comprehensive coverage. Safe and moderately priced vehicles such as minivans and small SUVs tend to be cheaper to insure than flashy and expensive cars.

SEEK DISCOUNTS: Companies often offer discounts to policyholders who have not had any accidents and who drive fewer kilometres per year than the average motorist for instance. Find out if there is any discount that the company has that you qualify for. For example, with Alpha Direct, you can get a discount if you insure more than one car or you buy more than one type of policy such as car insurance and home insurance.

If you do not have any insurance cover, you most definitely need to consider getting one. It is reassuring to know that you are covered financially if you are involved in an accident. Let the frustration,stress, depression and financial strain of being uninsured remain a 2016 thing. Get cover. Let your insurance worry about your car while you take a sip on the good side of life knowing you are covered.