(NC) Insurance is meant to provide peace of mind when you need it most. Yet, the monthly expense of car and home insurance remains a stressor for many Canadians. If you’re looking for a way to lower your insurance rates, you’re not alone.

Start by exploring all your options to find out which insurer offers the best premium. If you’re renting or own a home, your insurance policy and rates will be different. Whereas, if you’re in the market for a new car, the model of car you’re looking to insure plays a big role in the calculation of the cost.

If you’re a student, your insurer may offer specialized packages tailored to your budget. Whether you’re commuting to school every day, only using your car on the weekends or driving across the country to visit your family on the holidays, there’s an insurance policy fit for you.

Many employee groups, college or university alumni associations, and other professional association members are often eligible for exclusive discounts on car and home insurance.

For families and households with multiple vehicles, consider bundling your home and auto insurance as you may be eligible for better rates, exclusive discounts and savings offered by your insurer.

Make technology your friend and have it remove the guesswork for you. Some insurance providers reward safe driving habits with discounts, such as Belairdirect’s automerit feature which utilizes real-time driving habit assessments, and offers personalized premiums based on safe driving behaviours, empowering policyholders to control their insurance expenses.

Find more ways to simplify your insurance costs at belairdirect.com.