Full Coverage Auto Insurance: 5 Questions You Must Ask
Getting car insurance can seem tricky especially when you want strong protection like Full Coverage Auto Insurance. In Edmonton, driving can be tough. The weather changes fast, and Roads get busy. So, having full protection isn’t just a good idea; it’s a must. At Reliant Insurance Brokers, we want you to know all your choices. This is more than just selling a policy. It’s about giving you peace of mind when you drive in Edmonton.
What exactly is Full Coverage Auto Insurance? It’s not just one thing. It’s a mix of different types of coverage. It means having a safety net. This net catches you if you have a small car crash or a big one. It also helps if your car is stolen or damaged when you’re not driving or even if it’s a parked car. But what does “full coverage” really mean for you? How do you know if it’s the right fit? We made this guide to help. Ask these questions. Make sure your Full Coverage Auto Insurance truly protects you when you need it most.
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Why Full Coverage Auto Insurance Matters in Edmonton
Edmonton has busy streets and cold winters. This makes strong car protection very important. Think about crashes. In 2023, the Government of Alberta reported many thousands of crashes. These numbers show that driving has risks. Auto Insurance in Edmonton helps a lot. Good Full Coverage Auto Insurance can greatly cut down how much money you lose in these events. It keeps your money safe and protects your future.
At Reliant Insurance Brokers, we often see it. Our clients feel much better when their Full Coverage Auto Insurance steps in after a surprise event. It’s not just a paper document. It’s a promise of support. It lets you focus on getting better. You don’t have to worry about money.
Did you know that distracted driving is a significant factor in collisions across Canadian roads? Data from Transport Canada consistently highlights the grave risks associated with inattentive driving, contributing to thousands of incidents yearly. This fact underscores the vital need for robust Full Coverage Auto Insurance. Even safe drivers can face the consequences of others’ distracted actions. Having comprehensive coverage helps shield you from unforeseen financial fallout.
Source: Road Safety in Canada
What Is Covered in My “Full Coverage” Policy?
The words Full Coverage Auto Insurance can sometimes be a bit confusing. It’s not just one simple policy. It’s a group of different coverages. Usually, it includes:
- Liability Coverage: Alberta law says you must have this. It pays for damage and injuries you cause to others if an accident is your fault.
- Collision Coverage: This protects your car. It pays for damage if your vehicle hits another vehicle or something else. It pays no matter who caused the crash.
- Comprehensive Coverage: This covers things that are not crashes. Like if your car is stolen. Or damaged by fire, storms, or falling objects. Even if you hit an animal, which can happen a lot around Edmonton.
When you talk about Full Coverage Auto Insurance with a Reliant Insurance Broker, we will explain each part clearly. You will know exactly what each part of your policy protects. We can also talk about other options. These might include accident benefits. Or coverage for drivers who don’t have insurance. These can make your safety even stronger.
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What Are My Deductible Choices? How Do They Change My Price?
Your deductible is the amount of money you pay first. Your insurance then pays the rest. With Full Coverage Auto Insurance, you usually have deductibles for collision and comprehensive coverage. If you pick a higher deductible, your monthly payments are often lower. If you pick a lower deductible, your payments are usually higher.
Think about how much money you can easily pay. Can you pay a bigger amount if there’s an emergency? Or would a smaller deductible make you feel more secure? Our team at Reliant Insurance Brokers will show you all your choices for your Full Coverage Auto Insurance. We will help you find the right balance for your budget and how much risk you want to take.
Are There Things My Policy Doesn’t Cover?
Full Coverage Auto Insurance offers a lot of protection. But it’s very important to know what it might not cover. For example, some policies might not pay for damage you cause on purpose. Or for racing your car. Or for using your private car for work without extra permission.
Reliant Insurance Brokers believes in being open and clear. When we talk about your Full Coverage Auto Insurance choices, we will point out any specific things it doesn’t cover. We will explain how they might affect you. We want you to ask us anything. This way, you can feel sure about your coverage.
How Can I Get Discounts on My Full Coverage Auto Insurance?
As a top insurance broker in Edmonton, We can offer many discounts. These can cut down the cost of your Full Coverage Auto Insurance. Common discounts include:
- More Than One Car Discount: For insuring all your cars with us.
- Combine and Save Discount: For getting car insurance and home insurance from the same place.
- Good Driver Discount: For having a clean driving record.
- Stay With Us Discount: For being a loyal customer for a long time.
- Smart Driving Programs: If you let your driving habits be tracked. Safe drivers might get lower prices.
At Reliant Insurance Brokers, we actively look for every discount you can get. We want you to have the best price for your Full Coverage Auto Insurance. We promise to give you great value. And we won’t cut corners on your protection.
What Happens When I Make a Claim?
Knowing how to claim before you need to can ease a lot of worry. With Full Coverage Auto Insurance, the steps are usually:
- Report It: Call us as soon as you can safely after an event.
- Look into It: We will gather details about what happened.
- Check Damage: We will look at the damage. Then we approve repairs or replacements.
- Get Paid: Your claim is settled based on what your policy says.
Reliant Insurance Brokers is your helper during the claims process for your Full Coverage Auto Insurance. We will guide you through each step. We make sure everything goes smoothly and quickly. We answer all your questions. Our local Edmonton team is here to support you when you need us most.
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Common Questions About Full Coverage Auto Insurance
Q1: Do I have to have Full Coverage Auto Insurance in Edmonton, Alberta?
A: No, only liability insurance is required by law in Alberta. But Full Coverage Auto Insurance is highly recommended. It gives much more protection from many types of problems and money losses.
Q2: Does Full Coverage Auto Insurance cover damage from hail in Edmonton?
A: Yes, usually. The comprehensive part of your Full Coverage Auto Insurance policy would cover hail damage. This is because hail is not a crash, but it can still damage your car.
Q3: How much does Full Coverage Auto Insurance usually cost in Edmonton?
A: The cost changes a lot. It depends on your driving history, your car type, your age, where you live in Edmonton and the deductibles you pick. It’s best to get a personal quote from Reliant Insurance Brokers for your exact price.
Q4: Can I get Full Coverage Auto Insurance if a new driver lives with me?
A: Yes, you can. But adding a new driver to your Full Coverage Auto Insurance policy will likely make your premium go up. This is especially true if they are new to driving. We can discuss options for new drivers at Reliant Insurance Brokers.
Q5: How often should I check my Full Coverage Auto Insurance policy
A: You should check your Full Coverage Auto Insurance policy every year. Also, check if big life changes happen. For example, if you get a new car, a new driver, move, or change how you drive. Reliant Insurance Brokers offers free policy checks.
Conclusion:
Choosing the right Full Coverage Auto Insurance is one of the most important choices you’ll make for your money and safety on the road. At Reliant Insurance Brokers, right here in Edmonton, we are more than just people who sell insurance. We are your trusted guides. We listen to what you need. We answer all your questions. We build a Full Coverage Auto Insurance policy just for you. This gives you total peace of mind. Don’t leave your protection to chance.
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