Interesting thoughts. I know that prices will steadily go up over time, but it seems like State Farm really screwed me over the years by charging nearly double the rate compared to many other companies. There’s making a profit, and then there’s gouging. I guess it’s my own fault for not shopping around for alternatives sooner! Buyer beware!

Typically the rates are going to go up over time since there are factors which are out of a drivers control. I don’t know all of them, but for example, (insurers are going to make a profit), is if the insurance firm has more than normal claims they could raise your rates because of it. I also know they have to go to the state to raise your rates and are not able to raise them in the middle of your policy term unless you have a traffic violation.

This is a really nice break down how you were able to save money on your premium. Most people are starting to switch insurance companies to save sort of like switching telephone companies. The bill goes up after a while and you have to switch to save. Fortunately for auto insurance it is really easy to switch as long you don’t let your insurance lapse.

You can use three different types of anti-theft devices. When you know and understand them, you can get a better price on your Canadian auto insurance quote:

1. Mechanical – Devices such as a locking bar can prevent the steering wheel from moving, until the owner unlocks it himself or herself.

2. Car alarms – You can install an alarm in your car that causes alarms and lights to go off if someone tries to break into your vehicle.

3. Electronic – These are immobilizers that will cut off the power to the ignition, making the car impossible to start.

Good luck saving some money!!!