To get cheap Newfoundland auto insurance, you need to have (and maintain) a clean driving record. This is one factor that all insurance companies consider and that they will give considerable weight to when setting rates. If your driving record has some black marks on it, you will need to be accident and ticket-free for between three and five years before your rates will start to drop.
You can also keep your rates down by increasing your deductible. This is the amount you agree to pay personally before the insurance company will write a check to cover a claim. By taking on a higher level of personal responsibility for a claim, the insurer will reward you with lower rates. Be careful when choosing your deductible level though; you don’t want to set it so high that paying this amount would cause financial hardship if you were involved in an accident.
Eliminating any extras on your policy can also help you save money on the cost of your coverage. Go through what you are currently paying for very carefully to see if there is any fat that you can trim from your policy. If you are driving a vehicle that you have fully paid for, you may may want to consider dropping the collision coverage altogether and lowering the comprehensive protection to fire and theft only as a way to save money.