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Car Insurance Companies Alberta

Compare Car Insurance Quotes in Calgary, Alberta

Important Car Insurance Information for Calgary, Alberta

Calgary is a popular city located in Alberta, Canada. According to the 2011 census, Calgary has a population just over 1,096,000. This makes it the largest city in all of Alberta. In a large city, finding a good car insurance provider is paramount. Here is some important information you need to know when it comes to finding the best Calgary car insurance.

Major Car Insurance Companies in Calgary, Alberta

The first thing to know is the most trusted names in car insurance in Calgary, Alberta. One example is Intact. The great thing about what Intact insurance Calgary has to offer is that it offers drivers of various levels different coverage. The coverage can be adjusted depending on how much protection that driver needs. Another popular choice is Canadian Direct Insurance. This company specializes in not only auto insurance but home and travel insurance as well.

Features of a Good Auto Insurance Policy

There are dozens of auto insurance providers in Calgary, Alberta. As a result, it can be difficult for a driver to make sure that they are getting the best coverage possible. Here are a few important things to look for to ensure that you get a good auto insurance policy:
1. Windscreen coverage – This means that your windscreen is going to be replaced or repaired after filling a damage claim. Keep in mind, however, that sunroofs and side windows might not be included.

2. Personal Belongings Coverage – Make sure that your auto insurance covers the loss of or damage to any personal belongings that are in your car. This kind of coverage protects your CDs, bags, laptops or anything else you might be carrying in your car. However, money and credit cards are usually not included.

3. Loss of Keys – Some auto insurance companies in Calgary cover the cost of losing your keys. This is good because a lot of keys cost upwards of hundreds of dollars to replace.

4. Protection Against Claims – Most insurance companies reward you for not getting into an accident. Make sure that your insurance provider offers you protection against losing this discount. If you get into an accident, it would not send your policy skyrocketing

Things to Be Aware of When Comparing Auto Insurance

When looking for Calgary insurance brokers, there are important things that all drivers need to keep in mind. First, no matter what kind of plan a driver finds, increasing the deductible is going to decrease the overall cost of the car insurance. That being said, this will also increase the amount of money that he /she pays in the event of an accident. So before a driver signs up with a car insurance company that is offering them a good deal, he needs to pay close attention to the deductible.

The auto insurance Calgary has to offer is also based on bundling. This is a term that car insurance companies use in Calgary to describe a customer who has more than just auto insurance with a provider. For example, Intact offers deeper discounts for consumers who get home and car insurance through it.

Last but not least, drivers need to also pay attention to the insurance rating of their cars. Certain cars cost more to insure than others, so it stands to reason that if the driver buys a sports car, it is going to cost more to insure than an average sedan. This is a principle that applies not only to Calgary but also to other areas around the world.

Do You Need Auto Insurance in Calgary?

Calgary is very much a driving city. Although it is a large urban city that offers a lot of public transportation options, it is wise to own a vehicle. Due to the fact that Calgary is such a large city, public transportation, such as C-trains and buses, stay packed. Not having your own car means that you are a slave to their timetable. If you want to go wherever you want, when you want, you will need your own car. In order to do that, you will also need auto insurance. Just make sure you find the perfect car insurance broker in Calgary. Make sure it is a company that you can rely on and will be there when you need them.

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How can I get the cheapest car insurance quote in Alberta?

Saving on insurance premiums is something every driver can get behind. Finding the best deal on auto insurance in Alberta can be quick and easy. In fact, Albertan’s can save on their car insurance premiums by using an insurance comparison web site such as Kanetix.ca.

Instead of calling every auto insurance company directly, you can complete an online form on Kanetix.ca and access rates from the leading insurance providers at once. How does this work? It’s pretty simple. Kanetix.ca uses the driving information that you enter into the quote form to generate and rank the rates available from over 50 auto insurance providers in Alberta. You select the quote you want and we’ll connect you directly with that company to lock in that rate for you. The entire process takes only a few minutes and it’s absolutely free to use – saving you both time and money. Canadians have been saving money by comparing auto insurance rates with us since 1999.

There are other ways you could save on your car insurance. Tactics like reviewing your policy deductibles and coverage amounts is also a good way to trim costs. Here are some tips you can consider. It’s best practice to check quotes every year because car insurance rates in Alberta change all the time. The rate you pay today won’t necessary be the rate you could be paying the following year.

What is Alberta’s car insurance grid rate calculator and how does it affect me?

First introduced in 2004, the Auto Insurance Grid rating program sets the maximum premium that an insurer can charge for basic coverage (third party liability and accident benefits). According to the AIRB, about 94.5 per cent of Alberta drivers pay less than the maximum set out by the Grid program.

Where an Alberta driver lands on the grid is determined by several factors including:

  • Years licensed
  • Number of at-fault claims
  • Number of tickets
  • Years since your last at-fault collision or ticket
  • Driver training, if you are a new driver.

Drivers can move up or down on the grid, as their driving record changes. The lower your grid level, the lower your Alberta insurance rate.

Other determining factors to your car insurance rate are where you live and your commute distance, plus the type of vehicle you drive.

How does Alberta’s car insurance rates compare to the rest of Canada?

Alberta drivers pay an average of $1,179 for their auto insurance coverage, according to a report by Ontario’s Ministry of Finance in April 2017. This is less than what their neighbours in British Columbia pay ($1,316), but more than what drivers in Saskatchewan pay ($775).

The average provincial car insurance rates from highest to lowest are:

• Ontario – $1,458
• British Columbia – $1,316
• Alberta – $1,179
• Newfoundland and Labrador – $1,090
• Manitoba – $1,001
• Northwest Territories – $974
• Nunavut – $968

• Yukon – $806
• Nova Scotia – $783
• Saskatchewan – $775
• New Brunswick – $763
• Prince Edward Island – $755
• Quebec – $724

Facts about driving and car insurance in Alberta

Driving distance and location matter. The average daily commute for Alberta drivers is 9.4 km based on quotes completed via Kanetix.ca.

Age and experience matters. New drivers with driving training often qualify for discounts on car insurance. Retiree discounts are also available. Make sure you ask your insurance provider if you qualify for these savings. The average age of drivers completing quotes on Kanetix.ca in Alberta is 39 years old.

Only 37 per cent of Albertans received a multi-line discount. Based on auto rates compared on Kanetix.ca there is an opportunity for Alberta drivers to save more by combining their car and home insurance policies.

Winter tires are needed. As a prairie province with warm summer months but cold, snowy and icy roads in winter months, installing winter tires is not only a must for safety but can save you money on your car insurance, too. With only 85 per cent of Alberta drivers investing in winter tires, according to quotes conducted on Kanetix.ca in the last year, there is opportunity for further savings to be gained.

Is ride-sharing insurance available in Alberta?

In the summer of 2016, the Superintendent of Insurance of Alberta approved a new ridesharing insurance policy. First purchased by Uber, it came into effect on July 1, 2016.

I have a vintage car, what are my insurance considerations?

If you want to drive that classic or vintage or special car on the road, a classic car insurance policy is a legal requirement. Since antique car owners may only drive their car occasionally as a hobby, you probably want to ensure that you get the right price for your policy. Kanetix.ca has the most comprehensive coverage of providers that offer classic car insurance, so it makes sense to search online to find the best rate.

How do I get insurance for my RV in Alberta?

Typically, recreational vehicle (RV) insurance is more expensive than car insurance, however, you can still save by comparing quotes online. Kanetix.ca compares the most providers for RV and trailer insurance so you can bet we will find you the lowest rate.

See the latest rates Alberta customers pay

10 ways to lower your Alberta auto insurance premiums

There’s a lot you can do to ensure you’re not overpaying for your car insurance. Here are 10 ways you can easily save money:

1. Shop around – Rate changes are released every 3 months by the Alberta Automobile Insurance Rate Board. Many insurance providers take this opportunity to change their rates within those 3 months. Check if your insurer has changed their rates every time; sometimes it may be lower, but other times it may be higher, too.

2. Increase your deductibles – You can instantly save five to 10 per cent just by increasing your deductibles to $1,000 if it’s currently set at $500. Tip: be sure you’re comfortable with the higher amount in the event you are in a collision or your vehicle needs to be repaired.

3. Pay your premiums in one lump sum – If you pay your premiums annually, you can avoid the administrative fees that are sometimes charged by insurers for the convenience of monthly payments.

4. Bundle your policies – You can save five to 15 per cent when you buy your home insurance from the same company that covers your car.

5. Get coverage for all vehicles in your household on the same policy – If you have more than one car, you can save up to 10 to 20 per cent by insuring them on the same policy.

6. Review your policy annually – Review your optional coverages every year. If they are no longer needed, this is a good way to shave off some costs.

7. Ask about discounts – There are many discounts available to Alberta drivers. These could include good student discounts, low mileage discounts, and retiree discounts. Ask your provider about the ones they can offer you.

8. Install winter tires – Let your insurer know if you have winter tires, as some will give you a winter tire discount.

9. Take a driver training course – Encourage young drivers in your family to take driver training. The insurance savings you could receive could offset the cost of the course, with the benefit of ensuring your young driver can handle themselves properly on the road.

10. Moving? Getting married? Buying a new car? Compare quotes – Major life events are great times to check in on your insurance rates to make sure your current provider is still quoting you the best rate. Life events like getting married, moving, adding new drivers, changing jobs or retiring can impact the amount you pay for your car insurance policy.

Auto insurance in Alberta from Allstate®

Canadians from all generations and areas across Canada have depended on Allstate to provide quality auto insurance in Alberta that meets the unique needs of the individual. From property insurance to off-road protection, we have proudly been keeping Canadians protected for over 60 years with coverage that provides peace of mind. You can depend on us for personal service, exceptional insurance coverage, customizable options and a claims team that’s available 24/7.

You’re searching for the home and auto insurance that fits your lifestyle -and that’s about more than just getting a good price. Allstate knows that auto insurance in Alberta isn’t one size fits all and that’s why we take your lifestyle into consideration and cater to who you are. When an Allstate agent provides you with auto insurance quotes in Alberta, you decide on the features and deductibles that suit your needs. Let our local Allstate agency provide you with a quote and help you select deductibles and features that meet your needs.

Sticking to a budget? Allstate can help

At Allstate, our top priority is making sure you have the coverage you need to feel safe while also providing you with value for your money. That’s why we’re keeping our rates the same even though other Alberta insurance providers like are increasing theirs. You can’t go wrong with coverage from Allstate because your best interests are our number one priority– that includes your safety as well as your budget. Make the switch today and start saving.

Trust in Allstate auto insurance in Alberta

Trust in an insurance solution and auto insurance in Alberta that’s provided by the professionals at Allstate. You can count on Allstate, so get in touch with a local agent to learn more or request an online quote now!

Proudly protecting Canadians for 60 years.

Save money when you insure your home with Your Choice Home® insurance from Allstate. Speak to an Allstate agency today to discover how you can save even more when you insure both your home and car with us!

Allstate’s auto insurance in Alberta includes:

  • Discounts to help you save
  • Our one-hour promise guarantee: a claims representative will get back to you within one hour
  • Around-the-clock service any time, any way, anywhere
  • Experienced claims representatives
  • Efficient claims processing

It’s essential to be confident about your auto insurance! So, put yourself in Good Hands ® with Allstate.

* When you combine you home and auto insurance, and take advantage of additional Allstate discounts, you may qualify for a total discount of 29% as applied to Allstate’s base rates. Terms and conditions apply. Coverage, perils, discounts and availability may vary by region. Rates and discounts subject to change. This contains information about coverage and discounts offered by Allstate but does not list all of the conditions and exclusions which apply to the coverage and discounts described. The wording of the actual policy and local law will govern. Trademark owned by Allstate Insurance Company used under license by Allstate Insurance Company of Canada.

Compare Car Insurance Quotes in Calgary, Alberta

Important Car Insurance Information for Calgary, Alberta

Calgary is a popular city located in Alberta, Canada. According to the 2011 census, Calgary has a population just over 1,096,000. This makes it the largest city in all of Alberta. In a large city, finding a good car insurance provider is paramount. Here is some important information you need to know when it comes to finding the best Calgary car insurance.

Major Car Insurance Companies in Calgary, Alberta

The first thing to know is the most trusted names in car insurance in Calgary, Alberta. One example is Intact. The great thing about what Intact insurance Calgary has to offer is that it offers drivers of various levels different coverage. The coverage can be adjusted depending on how much protection that driver needs. Another popular choice is Canadian Direct Insurance. This company specializes in not only auto insurance but home and travel insurance as well.

Features of a Good Auto Insurance Policy

There are dozens of auto insurance providers in Calgary, Alberta. As a result, it can be difficult for a driver to make sure that they are getting the best coverage possible. Here are a few important things to look for to ensure that you get a good auto insurance policy:
1. Windscreen coverage – This means that your windscreen is going to be replaced or repaired after filling a damage claim. Keep in mind, however, that sunroofs and side windows might not be included.

2. Personal Belongings Coverage – Make sure that your auto insurance covers the loss of or damage to any personal belongings that are in your car. This kind of coverage protects your CDs, bags, laptops or anything else you might be carrying in your car. However, money and credit cards are usually not included.

3. Loss of Keys – Some auto insurance companies in Calgary cover the cost of losing your keys. This is good because a lot of keys cost upwards of hundreds of dollars to replace.

4. Protection Against Claims – Most insurance companies reward you for not getting into an accident. Make sure that your insurance provider offers you protection against losing this discount. If you get into an accident, it would not send your policy skyrocketing

Things to Be Aware of When Comparing Auto Insurance

When looking for Calgary insurance brokers, there are important things that all drivers need to keep in mind. First, no matter what kind of plan a driver finds, increasing the deductible is going to decrease the overall cost of the car insurance. That being said, this will also increase the amount of money that he /she pays in the event of an accident. So before a driver signs up with a car insurance company that is offering them a good deal, he needs to pay close attention to the deductible.

The auto insurance Calgary has to offer is also based on bundling. This is a term that car insurance companies use in Calgary to describe a customer who has more than just auto insurance with a provider. For example, Intact offers deeper discounts for consumers who get home and car insurance through it.

Last but not least, drivers need to also pay attention to the insurance rating of their cars. Certain cars cost more to insure than others, so it stands to reason that if the driver buys a sports car, it is going to cost more to insure than an average sedan. This is a principle that applies not only to Calgary but also to other areas around the world.

Do You Need Auto Insurance in Calgary?

Calgary is very much a driving city. Although it is a large urban city that offers a lot of public transportation options, it is wise to own a vehicle. Due to the fact that Calgary is such a large city, public transportation, such as C-trains and buses, stay packed. Not having your own car means that you are a slave to their timetable. If you want to go wherever you want, when you want, you will need your own car. In order to do that, you will also need auto insurance. Just make sure you find the perfect car insurance broker in Calgary. Make sure it is a company that you can rely on and will be there when you need them.

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