Canadians Are Saving BIG On Car Insurance With These Tips

Did you know that auto insurance companies have been fighting for new customers over the last year and have started offering huge discounts like never before? Here's how you can take advantage and save big for 2023!

Car insurance can be expensive, especially for people on a fixed income, such as seniors. If you're a senior, you may be wondering if there's an affordable way to pay for an auto insurance policy. Fortunately, a simple search online makes it easy to find cheap auto insurance quotes for seniors.

Senior car insurance discounts are one of the best ways to save money on your auto insurance policies and reduce the overall cost. In fact, you may be surprised to learn that most seniors don't realize that they can save hundreds of dollars a year by taking advantage of the numerous discounts available to them. Whether you are currently eligible for a car insurance discount or not, it pays to research what senior citizens can get. Keep reading for the best cheap auto insurance quotes Canada.

Senior drivers who are members of groups such as the Canadian Association of Retired People (CARP) may be eligible for special discounts on their car insurance premiums. The Canadian Association of Retired People (CARP) is an advocacy association for senior Canadians. Members can enjoy discounts on over 100 everyday products and services from CARP partners. To find out what's available for you, ask your group about available group senior car insurance discounts. 

If you've been with your insurance company for a few years, you may be eligible for a discount. Many insurance companies offer discounts to customers who have been with them for several years. This is especially true if you have a history of little or no insurance claims. It's also useful to note that having a long-term driving record with no claims can also help you secure a discount if you decide to switch to another car insurance company.

If you only use your car for short rides to and from the grocery store and for other everyday necessities, you may be eligible for a low car mileage discount. This is because many seniors only travel short distances, lessening the risk of getting into an accident or making an insurance claim. You might also be able to eligible for further discounts if you don't use your car for vacations or road trips. To find out more, speak to your insurance provider and ask whether it offers a low car mileage discount.

As an insurance professional, your insurance agent is the best person to help you find cheap auto insurance quotes. They will also likely be aware of available special discounts that could lower your car insurance premiums. It's always a good idea to ask them for specific auto insurance discounts available for seniors. 

Unfortunately, as we age, we're more likely to experience health conditions that affect our mobility and ability to drive safely. Because of this, many insurance companies appreciate drivers who have good health and are physically and mentally safe to drive. If you have documentation of good health, some insurance companies may be willing to offer you a cheaper insurance premium.

By taking advantage of a variety of insurance policies from the same provider, you can often qualify for a discount on your auto insurance as well as your other policies, such as home and health insurance. Some insurance companies also offer family discounts to people who bundle several policies for their families. 

If you're looking for cheap auto insurance quotes for seniors, start your search online today and save hundreds of dollars on your premiums.

The Best Credit Cards With Perks! (Up To $10k Limits + Cash Back Offers)

Looking for a credit card with great perks but have poor credit? We've got you covered. Check out these credit card offers for people with bad credit today!

Having a bad credit score can seriously impede your ability to find affordable credit. In today's world, credit cards are necessary for everything from hotel stays to getting a hire car. Of course, that doesn't mean that you should just settle for any credit card. In fact, it's possible to find credit cards with great perks, even if you have bad credit! Keep reading to learn more about the best credit cards available for people with poor credit. 

Millions of Americans are living with less than stellar credit scores. Fortunately, it's possible to rebuild your credit. Credit cards can help you improve and rebuild your credit score while also offering perks such as travel insurance and exclusive discounts. Simply take out a credit card and make your minimum due payment on time every month and watch your credit score improve. If you want to build your credit fast, it's important to use credit cards in a disciplined manner. For example, you should try to keep your credit usage below 30% and not apply for multiple credit lines in a short period. If you follow this advice, your credit score will gradually improve.

Here are some highly-rated credit cards that are perfect for people with poor credit scores.

If you want an unsecured credit card from one of the most recognizable leaders in the world, the Capital One Platinum credit card is a great option. With an unsecured card, you don't need to worry about making a security deposit and funding out-of-pocket costs before you can start building your credit. Plus, Capital One offers customers protection against fraud if their card is ever lost or stolen. 

Another great feature of the Capital One Platinum credit card is that you're automatically considered for a credit increase and reduced interest rate after six months of consistent payment history — and there's no annual fee!

Capital One Quicksilver Secured Credit Card

The Capital One Quicksilver Secured Credit Card is a credit card that requires an initial security deposit to start using. Fortunately, that's where the costs end, as there are no recurring fees, and you can even earn an unlimited 1.5% cash back on every purchase you make! Plus, your account will be automatically reviewed for a credit line increase after six months, as long as you build a consistent payment record. 

The Discover It Secured Credit Card can help you get a credit line, even if you have poor credit. After making an initial security deposit, you can start rebuilding your credit and earn 2% back cashback on up to $1000 in purchases at gas stations and restaurants each quarter! Plus, you can earn unlimited 1% cash back on all of your other purchases! In addition, the Discover It Secured Credit Card automatically matches all of the cash back you earn at the end of your first year! 

Discover it Student Cash Back Credit Card

Are you a student with limited credit history? Check out the Discover it Student Cash-Back Credit Card. This credit card is created to help students with limited credit history build their credit scores — plus, there are no recurring fees! In fact, when you use this credit card, you pay 0% interest for the first six months of purchases, plus you can earn up to 5% cash back at select retailers and 1% on all your other purchases. Plus, at the end of your first year, you can look forward to getting back double your earned cashback amount! 

If you have a limited credit history and you're looking to improve your credit score, check out the Petal 2 Visa Credit Card. It's perfect for people on a tight budget, as there is no security deposit required and no recurring fees. Simply apply and get approved for a minimum credit line of at least $300 to start building your credit. Other perks include 1% cashback starting from your first purchase, which increases to 1.5% after 12 months of regular on-time payments, and up to 10% at select retailers! 

It's possible to find great credit card deals even if you have a poor credit score. Start your search online for the best credit cards for bad credit today, and start rebuilding your credit score! 

The Best Credit Cards For Canadians (New Offers Available)

Do you have bad credit, or are in need of a credit card that offers amazing perks? Take a look at these credit cards for people with poor credit  and start rebuilding your credit fast!

Failing to pay your bills on time, having too much debt, or declaring bankruptcy can ruin your credit score. A poor credit score can make many areas of your life difficult, such as buying a car or getting on the property ladder. Fortunately, there is a solution for people with bad credit who are looking to rebuild — a credit improvement credit card! If you're trying to increase your score, keep reading to learn how you can improve your credit fast with a credit card designed for people with low credit.

What Credit Cards are Available for People with Poor Credit?

Credit cards are not just reserved for people with stellar credit scores. In fact, there are credit cards available designed specially for people with bad credit. Having a credit card and making your payments on time, every time, is the best way to build your credit fast. There are two types of credit cards available for people with bad credit: 

A secured credit card works like a standard credit card; however, you must make a cash deposit before you use it. This cash deposit helps to "secure" your card and ensures the lender gets its money back if you fail to pay your credit card bill. 

An unsecured credit card is a standard credit card. If you have bad credit, you might find that an unsecured credit card offers higher interest rates and a lower credit line. Unlike a secured credit card, an unsecured credit card requires no security deposit.

Keep reading for a list of the best cards available for people with bad credit. 

Refresh Financial Secured Card is a credit card designed to help you build your credit quickly and safely. One significant advantage of this credit card is that no hard credit check is required! This means that applying won't impact your credit. Even those with poor credit scores and recent bankruptcies can apply for the Refresh Financial Secured Card. As long as you can cover the $200 minimum deposit and $49 annual fee, you're good to go. The interest rate is a very reasonable 18%, plus there is no interest for 21 days on all purchases! 

The Home Trust Secured Visa card is an award-winning credit building card that boasts an impressive acceptance rate. In fact, almost everyone that applies and puts down the required deposit is accepted — even if you have poor credit! In addition, because Home Trust reports all usage and payment history to the major credit reporting agencies, you can build your credit quickly and safely. 

To get started with the Home Trust Secured Visa, you'll need to make a minimum deposit of $500. The standard interest rate is 20%, but customers enjoy 21 days interest-free on all new purchases, plus there's no annual fee! 

Capital One Low Rate Guaranteed Mastercard

The Capital One Low Rate Guaranteed Mastercard can help you rebuild your credit without paying sky-high rates. As this credit card is "unsecured," you do not have to make a security deposit. But don't worry about overspending, as your credit limit starts low and increases as your credit history improves! 

The interest rate is a very reasonable 15%, and customers who like to travel will love that this card includes essential travel insurance coverage! All you have to do to qualify is meet the minimum credit score and income requirements and pay the $79 annual fee. 

RBC Visa Classic Low Rate Option Visa Card

The RBC Visa Classic Low Rate Option Visa Card offers a low, fixed annual interest rate of 12.99% on purchases and cash advances, including balance transfers! You don't have to meet a minimum credit score requirement to apply for the RBC Visa Classic Low Rate Option Visa Card, as RBC makes decisions based on your income and current outstanding debts. Plus, there is no security deposit required!

Ultra-convenient and easy-to-use, this unsecured credit card is accepted anywhere you find the Visa logo! Plus, eligible customers can get cash advances of up to $1,000 CAD per day, depending on their available credit. You also get peace of mind with RBC's "Zero Liability Protection," which protects your credit card from unauthorized use in person and online!

Are you trying to rebuild your credit? Search online for a credit card specifically designed for people with low credit, and start repairing your credit today!

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