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How will my driving habits affect my car insurance premium?
Your driving habits are used to adjust your premium based on the driving habits we record every time you drive. By driving safely, you could decrease the cost of your insurance by up to 25%, but risky driving could increase your premium by 25%.
Here's an example, for illustration purposes only, of a $1,000 yearly car insurance contract:
If you're a new customer to Servus Insurance Services - Home and Auto who signed up for Smarter ride, you will receive a one-time 5% activation discount, so your premium will be $ 900 for the year.
We will adjust this premium according to your driving habits when your insurance is renewed. The adjustment could vary between:
- a maximum decrease of 25% = $ 750 for the year
- a maximum increase of 25% = $ 1,250 for the year
For more details, refer to the question "How can I see how my driving affects the cost of my insurance?".
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Related questions
- Can I cancel my registration for Smarter ride at any time?
- Can I enrol multiple vehicles from separate automobile insurance policies?
- Can I join Smarter ride if I'm an Uber, Lyft, or commercial driver?
- Can other drivers on my car insurance join Smarter ride?
- Can other drivers on my car insurance see my trips and driving habits?
- Can Smarter ride increase the price of my car insurance?
- Can the police access my driving data if I have a car accident?
- Do I need a data plan?
- Do you track my phone calls?
- How can I see how my driving affects the price of my insurance?
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Servus Insurance Services | Home and Auto ("SISHA") is a tradename for belairdirect Agency Inc., used under license, and is not a subsidiary of Servus Credit Union. This is not a solicitation by Servus Credit Union. Home and auto insurance is underwritten by Belair Insurance Company Inc. Services provided by belairdirect Agency Inc. ®belairdirect is a registered trademark of Belair Insurance Company used under licence.