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5 Ways To Save On Car Insurance In BC

January 14, 2019Posted at 8:36 pm in

5 Ways To Save On Car InsuranceBritish Columbia has the highest average car insurance in Canada. With ICBC announcing another 6.3 percent increase, we put together a list of 5 Ways To Save On Car Insurance In BC.

Low Kilometer Discount

Starting September 2019, there will be a new 10 percent discount for vehicles that are driven less than 5,000 km in a year. Contact your local car insurance broker to find out how to provide the proper documentation to qualify.

Who would benefit?

The discount may benefit those who do not regularly use their vehicle, for example, those who only drive on evenings and weekends, use public transportation to commute to school or work during the week, or simply have a second vehicle that’s not used very often.

The discount applies to Basic, Extended Third Party Liability and Collision premiums.


The discount is based on the mileage driven over the last 12 months. This is determined by an odometer reading from the previous policy term, and another at the policy’s renewal a year later.

Experienced Driver Discount

Experience pays off. If everyone in your household who drives your vehicle has 10 or more years driving experience, you could be eligible for savings.

The vehicle needs to be at base rate or lower on the claim-rated scale.  If your driver’s licence has been suspended, prohibited, expired or cancelled for any continuous period of a year or more, that time wouldn’t count towards your driving experience.

Seniors Discount

You may qualify for a 25 percent saving on Basic Autoplan if both the vehicle owner and principal operator are 65 or over, and don’t use the vehicle for commuting, business or delivery.

From mandatory auto insurance to private coverage to insurance for RVs, classic cars, and motorcycles, AMC Insurance can provide you with great info and discounts on any vehicle. Contact us for a free quote on your next insurance package or call us to learn more.

Anti-Theft Device Discount

Passive electronic immobilizers

Electronic immobilizers disable your car’s engine when the ignition is turned off. An engine with an immobilizer won’t start until it recognizes a special key (with computer chip) or electronic device (usually on key ring). Electronic immobilizers offer the highest level of protection.

The way an electronic engine immobilizer is activated determines whether or not the device is a passive electronic immobilizer.

  • A passive immobilizer: no interaction required except removing the key from the ignition
  • Manual immobilizer: requires the user to press a button to activate

If your vehicle is equipped with a passive elec​​tronic immobilizer, you could save on your Comprehensive or Specified Perils coverage. Find one of our Autoplan Broker​s that’s close to you to learn more. ​

Note: motorcycles and trailers aren’t eligible for the anti-theft device discount.

Anti-theft deductible savings

Using an anti-theft device for your vehicle could also get you a $100 deductible rebate when:

  • Your properly installed and activated anti-theft device prevented your vehicle from being stolen and there’s evidence of intent to steal the vehicle.
  • You may also get a $100 deductible rebate if your vehicle is stolen and recovered, with evidence your anti-theft device was compromised.

Unfortunately, motorcycles and trailers aren’t eligible for the anti-theft device discount.​

Disability Discount

If you’ve been approved for a fuel tax refund under the B.C. government Fuel Tax Refund Program for Persons with Disabilities, you may also qualify for a 25 per cent discount on your Basic Autoplan, even if you don’t drive the vehicle you’re insuring.

Eligible drivers must bring appropriate documentation to their Autoplan broker’s office to have the discount added to their policy.

If you have any questions about these discounts, please call an AMC Autoplan expert at any of our 9 locations or email us.


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