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Get a Free Car Insurance Quote in Edmonton Today!
At Reliant Insurance, we understand Edmonton drivers need reliable car insurance that fits their budget. That’s why we offer a wide range of car insurance options from top providers in Alberta. Get your free car insurance quote in Edmonton today and see how much you can save!
6 things you need to know about Car Insurance coverage in Alberta.
In Edmonton, car insurance is mandatory for all drivers. But basic coverage might not be enough. Here are 6 key things to know about car insurance in Edmonton:
- Beyond the Basics: While basic car insurance Edmonton covers third-party liability (up to $200,000 for injury or property damage), it may not be enough. Consider increasing your liability limits to protect yourself from high medical costs.
- Accident Benefits and No-Fault Insurance: Alberta’s no-fault system means your car insurance company will provide accident benefits regardless of fault. These benefits can cover medical expenses, rehabilitation, and lost wages.
- Additional Coverage: Basic policies do not include Collision and comprehensive coverage. Collision insurance protects your car from damage caused by collisions with other vehicles or objects. Comprehensive coverage protects your car from theft, vandalism, fire, and other perils.
- The Grid System: The Alberta Automotive Insurance Rate Board sets car insurance premiums based on factors like driving history and tickets. Understanding the grid system can help you anticipate rate changes. Our car insurance Edmonton brokers can explain the grid system in detail.
- Discounts: Edmonton drivers enjoy lower premiums than drivers in some provinces. New drivers can save by taking a driver’s training course. Bundling your home and car insurance with Reliant can save you even more!
- Crossing the Border: Planning a road trip? Ensure you have proper car insurance coverage for travel outside Canada and the U.S. Contact us for a travel insurance quote.
Expert Advice
Reliant Insurance provides fast and easy access to the best and most affordable rates and policies from the top insurance providers in Alberta.
Car Insurance Edmonton Brokers? Call us at 780-463-2115
Why Choose Reliant for Your Car Insurance Needs?
At Reliant Insurance, we’re passionate about finding you the best car insurance Edmonton coverage at the most affordable price. Our experienced brokers will:
- Help you understand mandatory coverages and optional coverages like collision and comprehensive.
- Consider your driving record, car type, and driving habits to find the perfect policy.
- Explain your car insurance premium and how to potentially lower it with discounts like winter tires or accident forgiveness.
- Assist you if you’re ever in a car accident, ensuring a smooth claims process.
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FAQs: Car Insurance Edmonton, Alberta
1. What are mandatory coverages in Alberta?
Third-party liability coverage is mandatory in Alberta.
2. What are optional coverages?
Collision, comprehensive, specified perils, and accident benefits are all optional coverages.
3. How can I lower my car insurance premium?
Maintaining a good driving record, taking a driver’s training course (for new drivers), bundling your home and car insurance, and using public transit when possible can all help lower your premium.
4. What happens if I have a car accident?
Contact your car insurance company immediately. Reliant Insurance can help you navigate the claims process.
5. How do I get a free car insurance quote?
Fill out the form on this page or call us at 780-463-2115 to speak with a car insurance broker in Edmonton.
Reliant Insurance: Your Partner on the Road
Don’t settle for just any car insurance policy. Get a customized quote from Reliant Insurance today and experience the difference of working with a trusted insurance broker. We’re here to protect you and your family on the road.
Local Protection for Edmonton Drivers
Edmonton drivers face unique challenges that impact their auto insurance premiums and car insurance rates. From winter accidents causing property damage to the need for rental car coverage, insurance companies consider many factors when determining your rates. Our insurance brokers understand that whether you’re dealing with a fault accident or maintaining a clean driving record, your auto insurance in Edmonton should be both comprehensive and affordable.
Customized Coverage & Savings
We help drivers compare car insurance costs, explore optional coverages like accident forgiveness, and even bundle with home insurance for maximum savings. Whether you’re driving locally or heading to British Columbia, we’ll help you understand how your driving history affects your car insurance premiums and accident benefits coverage. At Reliant Insurance, we’re committed to helping you save money while ensuring you have the protection you need on Edmonton roads.
6 things you need to know about car coverage in Alberta.
In Edmonton, it’s a requirement for all drivers to get basic auto insurance. But, did you know that getting the coverage you need can save you time, money, and major headaches?
1. Beyond the Basics
Third-party liability (also called personal liability and property damage) protects you for up to $200,000 in claims made by other motorists for injury or property damage. This amount is the minimum requirement and sounds like a lot of money-but you’d be surprised how much you may need to pay out to a driver who incurs a major injury.
Ask your insurance provider and they’ll likely quote you in the $2 million-dollar minimum liability arena. Yes, lawsuits and other damage claims can be that expensive. Know what you should be adding onto your policy for peace of mind on the road.
2. Accident Benefits and No-Fault Insurance
You’re in an accident and you need physiotherapy, rehabilitation, or have to pay for other medical expenses. The common questions are: Who covers the costs? Am I at fault? How does this affect my coverage?
Alberta has a no-fault insurance system that applies to every driver in the province. Your insurance company will provide you with accident benefits regardless of who caused the accident, i.e. who is at-fault.
3. Additional Coverage
Surprisingly to some drivers, collision insurance is not automatically covered in your basic insurance policy. Unfortunately, some drivers only find out after they’ve rear-ended another car.
Other coverage that is not included in a basic rate is all perils, comprehensive and specified perils. Contact your insurance representative for more information. It pays to be informed. For an affordable monthly premium, you won’t get caught by surprise after an unfortunate accident.
4. The Grid System
While premiums in Edmonton are certainly not the highest in the country, it’s good to know when and how your rates will go up. The grid system helps Alberta drivers know what to expect when their policies are coming up for renewal.
Reliant Insurance brokers can walk you through the complex nature of the grid rating system. Rates are determined by your driving tickets, traffic accidents, your driving history and more.
The grid system is set by the Alberta Automotive Insurance Rate Board.
5. Discounts
Albertans, on average, pay about 20 percent less than drivers in other provinces, like Ontario and Quebec, but it still pays to shop around for the best rates. There are a few things a driver can do to get their rates lowered, especially new drivers. New drivers, who are stuck with high
rates, are eligible to take a driver’s training course to save on their monthly premiums; savings range from $100-$200.
Bundle up! And, I don’t mean put on more layers. Combining your home and car insurance policies can save you money in the short and long-run. Talk to one of our experienced insurance brokers to help you find the best rates out there.
6. Crossing the Border
Are you tired of airplanes and people and just want to drive to Puerta Vallarta for a fun road trip? Call your insurance company for a quote on travel outside Canada and the U.S., where you’re not covered at all.
Expert Advice
Reliant Insurance provides fast and easy access to the best and most affordable rates and policies from the top insurance providers in Alberta.
