Français | Call Us

Facebook  Linkedin

Login

Western Financial Group
  • Insurance open insurance menu
  • Services open services menu
  • Our Foundation open services menu
  • About Us open menu
  • Contact Us

Find a Broker

Get A Quote

Insurance

Personal Insurance

Car

Home

Renter's

Farm

RV

Boat

Travel

Business Insurance

Start-ups to Mid-size Businesses

Employee Benefits

Group Insurance Programs

Health & Life

Life

Disability

Critical Illness

View All Products

Services

MyWestern

Payment Setup

Registry Services

Personal Insurance Claims

Commercial Insurance Claims

Risk Management

Our Foundation

Our Giving Programs

About the Foundation

Annual Giving Reports

FAQ

Donate

Sponsorship

Foundation Contact

  

About Us

Diversity, Equity and Inclusion

Western News

Blogs

Careers

COVID-19 Info

Who We Are

Executive Team

Divisions

Partners

Sponsors

Western Coast Insurance

Wyatt Dowling Insurance

    

Contact Us

Personal Insurance

Car

Home

Renter's

Travel

Farm

RV

Boat

Business Insurance

Start-ups to Mid-size Businesses

Employee Benefits

Group Insurance Programs

Health & Life

Life

Disability

Critical Illness

View All Products

Services

MyWestern

Payment Setup

Registry Services

Personal Insurance Claims

Commercial Insurance Claims

Risk Management

Our Foundation

Our Giving Programs

About the Foundation

Annual Giving Reports

FAQ

Donate

Sponsorship

Foundation Contact

  

About Us

Diversity, Equity and Inclusion

Western News

Blogs

Careers

COVID-19 Info

Who We Are

Executive Team

Divisions

Partners

Sponsors

Western Coast Insurance

Wyatt Dowling Insurance

    

Why did my car insurance premium go up when I moved to the city?

If you have recently moved from a rural area to a more urban one, you may have noticed that your car insurance premiums have gone up.

Why does my car insurance rate change when I moved to the city?

Moving can cause your car insurance premium to go up because it can affect factors used to determine your rates. Your insurer is no longer taking the same level of risk insuring you because your circumstances have changed.

  • If you move from a rural area to a city, the risk of damage or theft increases so your premium will go up. Cities have more traffic and crime so the chances of you making a claim due to an accident, theft, or damage are higher than in rural areas.
  • Where you park your car overnight affects your rate. If you parked in a garage before your move and now park in the street your rate may increase because your vehicle is no longer sheltered from traffic, people and weather.
  • Insurers keep statistics for each city and those affect the rates for vehicles kept and operated in that city. Statistics used to determine your car insurance premium include theft, accidents and insurance claims. If you move from the country to the city, your rate will go up because city driving is riskier. If you move from a city to a suburban area, or even rural, your premiums may go down.
  • When you move, the distance you drive to work will probably change. This can increase or decrease your rate because driving longer distances means you are statistically more likely to have an accident.

Other life changes that can change your car insurance rates

Life changes are exciting and when they happen you probably are not thinking about your car insurance. There are several situations that can change your car insurance premium.

Getting a new car

Buying a new car can change your insurance premium because the type of car you drive is one of the factors used to determine it. Expensive cars, cars that are stolen often, cars with a poor safety record, and cars that are expensive to repair are riskier to insure and the premiums will be higher.

Retiring

When you retire, your car insurance rate will go down because you will no longer be driving to work. Insuring a car that is only used for pleasure driving costs less than insuring a vehicle that is used for commuting to work.

Getting married

When you get married you can get a discount for having more than one car on your policy.

Adding a teenager

Adding a young driver to your car insurance policy will increase the cost because inexperienced drivers are riskier to insure.

How can I decrease my car insurance premium?

If you moved to the city recently and your car insurance premiums went up, you can re-evaluate your coverage and see if there is a way to save money.

  • Consider increasing your deductible. If your deductible is higher, your premiums will be lower. But make sure your deductible is affordable if you do need to make a claim.
  • Take the time to read and understand your policy and make sure you have only the coverage you need. If there is any coverage included in your policy that you could do without, you can consider removing it to lower your rate.
  • Shop around to see if you can get a better deal with a different insurance company.
  • Your insurance broker is knowledgeable about products from different insurance providers and can help you update your coverage.

GET A QUOTE

Recent Blog Posts

How WebRater Gives You Car and Home Insurance Quotes
How WebRater Gives You Car and Home Insurance Quotes

December 5, 2023


What is International Men’s Day?
What is International Men's Day?

November 20, 2023


Black Friday in Canada
Why We Have Black Friday in Canada

November 20, 2023


Call Us

Sales
Personal Insurance

1-866-860-1958

Business Insurance

1-866-860-1947

Life Insurance

1-888-594-3105

General Inquiries
and Services

1-866-245-2779
Mon-Fri: 8am-8 pm MT
Sat: 9am-6 pm MT

Claims

1-866-245-2779
Mon-Fri: 7:30am-4 pm MT
Sat: 9am-6 pm MT

1-877-599-7299
(After Hours)

Western Financial

About

Our Story

Executive Team

Careers

MyWestern Login

Mergers and Acquisition

Western Communities Foundation

Western News | Blog

Products & Services

All Insurance

Personal Insurance

Business Insurance

Health Insurance

Award Winning Brokerage

IBC Top Brokerage Top 100 Seal 2023  Top 100 Seal 2022

Privacy / Legal  |   Accessibility Guidelines |   Fair Treatment of Customers Policy |   Terms of Use  |   Compensation Disclosure  |  Complaints Process  |   Media Relations  |   Sitemap


2020 Western Financial Group. All rights reserved.

2023 Western Financial Group. All rights reserved.