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12 Ways To Save With JD Smith Insurance
12 Ways to Save
1. Check the policy carefully for correct information.
Postal codes, ages and location addresses can affect your rate.
2. Are you getting the additional age discount for mature adults?
3. Check deductibles. Higher deductibles results in savings.
4. Are you paying for coverage you don't need?
If your car is over 5 years old, you may want to take off the collision.
Keep jewellery you don't wear in a safety deposit box.
5. Are you a non smoker?
6. Have you been consistent with one insurance company, or do you switch every few years?
The companies give loyalty discounts.
7. Install an alarm system in your home and car.
8. If you have a small claim, pay it yourself and save your insurance for the big one.
9. Combine both your house and car policies for the extra discounts. Not all companies do this.
10. Pay monthly, or look at a 3 pay policy.
11. Some companies give a 5% discount if you pay your premium in full.
12. Talk to one of our brokers who has your interest in mind.
Get Discounts


Home & Condo Discounts


Auto Discounts

1. Over 45, mature 1. Multiple vehicles
2. Combine house & car policies 2. Combine house & car policies
3. Claims free 3. Retiree
4. Alarm system 4. Conviction free
5. New home 5. Short commute to work
6. Non smoker 6. Autonomous Emergency Braking (AES)
7. Mortgage Free 7. Out of town student for occassional drivers - 100Km or more from home
8. Water prevention - backwater valve, monitored sump pumps 8. New business loyalty - 5 years or more with prior insurance company
    9. Single pay - full payment of your premium

Talk to our J.D. Smith Licensed Brokers today and get all the savings you deserve

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RIBO JD Smith & Associates Insurance Brokers Inc.
105 West Beaver Creek Rd.
Richmond Hill, ON, L4B 1C6
Tel: 905-764-7868
Fax: 905-764-9618
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