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Getting the Most Out of a Policy: 3 Strategies to Save on Auto Insurance

Updated on January 1, 2018

With the cost of owning and operating a car skyrocketing, many car owners are astounded by their bill for the cost of repairs needed after a collision. Even small scrapes and dings can cost several thousand dollars. Car owners should implement the 3 strategies below to save on auto repairs.

Request for a Detailed Estimate

Requesting detailed estimates that break down every component of the bill can help car owners make better decisions regarding which mechanic to choose. Some mechanics may overcharge their hourly wage or the amount of labor needed to complete the repairs. The average hourly wage will vary based on the province. Other than the hourly wage being charged, consider the amount of hours that it takes to complete different repairs.

By looking at the broken down components of the estimate, car owners are able to determine whether the mechanics are charging insane rates or whether they are overcharging for the hours needed. Familiarize with the amount of time that may be needed for different repairs. For example, windshield repairs can normally be completed within 30 minutes and replacements can be completed within the hour.

Opt for Generic Brands

Most car owners prefer Original Equipment Manufactured (OEM) parts over generic parts; however, the price difference can be astounding. Instead of opting for OEM parts, consider generic parts as they are just as compatible and easy to install. Car owners may save hundreds to thousands of dollars by simply making the switch.

Car owners with older models of cars may find that generic brands are more easily available than OEM parts. Many manufacturers have discontinued manufacturing car parts for older models, and it will take a longer time for the mechanics to find the parts and have them shipped.

Compare Estimates from Different Shops

Do not hesitate to request for estimates from different shops to compare prices. Some shops are willing to negotiate the pricing depending on the type of work that is needed. Some mechanics are willing to match the prices of competitors.

Car owners who are looking for numerous estimates need to consider whether the auto repairs are being paid for by the insurance company. Depending on the type of policy that one has taken out, insurance companies may have restrictions on the type of shops that the repairs can be done at.

By implementing the 3 strategies mentioned above, car owners are able to educate themselves, and avoid getting scammed. Unfortunately, auto repairs from collisions tend to come with hefty price tags. The best way to prevent having to pay the bills will be to drive safely on the road.


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