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Answer a few basic questions about your driving & car insurance history.
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Your monthly car insurance bill is a recurring expense that deserves as much attention as gas prices and car loan interest rates.
However, it’s hard to estimate a car insurance premium on your own because insurers don’t offer flat-rate coverage.
Car insurance calculators can help you estimate your insurance premium (the amount you pay for coverage), so that you:
RATESDOTCA’s car insurance calculator shows quotes from 50+ car insurance providers, so you can see which offers your lowest and highest quotes.
Our Alberta car insurance calculator also helps you find savings as you can apply discounts to your quote.
The car insurance calculator will ask for specifics about insurance rating factors to generate your estimate. These include:
1) Tell us about your car
Before we can give you an estimate, we need to know a few details about the car you drive.
2) Tell us who’ll be driving the car
Next, we need to ask about who will be driving the car.
3) Apply for discounts
We can talk discounts now that we have key information about the driver(s) and the car. It’s your chance to indicate whether you’re interested in the following:
AMA members can save an additional 20%.
4) See your quotes
Explore car insurance rates and choose the one that fits your needs. We’ll connect you with the car insurance provider and help you secure your quote.
In Alberta, everyone must buy a standard car insurance policy. You can add a range of optional coverages to customize your policy.
A standard insurance policy includes the following:
These coverages are automatically included in your premium estimates.
In addition to the mandatory coverages, common optional coverages include:
When you unlock your quotes, the insurance provider offering the lowest one will contact you. You can ask the insurance professional whether adding optional coverages is a good idea.
Sometimes more coverage isn't better; if you’re driving a car older than three years, it’s often cheaper to pay for the repair yourself than to file a claim. Plus, your insurance premium will go up after you file a claim on some of these coverages (with the exception of the perils covered under comprehensive insurance).
Here we answer any lingering questions you may have about car insurance in Alberta
Compare quotes: The Alberta car insurance regulator recommends getting quotes from multiple insurance companies before committing to one.
Don’t overbuy insurance: Believe it or not, buying too much insurance is possible. Talk to an insurance professional about whether you need comprehensive or collision insurance. However, buying above the mandatory liability and accident insurance limits is often a good idea.
Drive less: Substitute some trips with other modes of transportation and try car-pooling or ride-shares. According to insurance actuaries, the less time you spend on the road, the less likely you’ll need to file a claim.
Increase your deductible: By volunteering to pay a larger deductible, your insurance company will likely offer an insurance discount in return. You’re taking on more risk, which makes you appear more reliable in the eyes of your insurer.
Bundle home and auto insurance: Buying home and auto insurance with the same company is known as bundling. It will reduce your annual insurance costs by up to 15%.
Try telematics: This is a technology that monitors your driving habits. If you opt into a telematics program, your insurance company will install a device in your onboard diagnostic port. The device measures your speed, how hard you brake, what time of day you drive, and how many kilometres you drive. If it shows you’re a good driver, you could lower your premium by 25% at renewal.
Research discounts: Insurance companies offer a range of discounts. Some examples include seniors’, winter tires, and bundling discounts. There are also discounts for being an alumnus of a post-secondary institution, guild, or union member. Some insurers even extend discounts to current high school or post-secondary students for maintaining a solid grade point average.
When you use our Alberta car insurance calculator, one thing will become clear: every insurance company will quote a different price. Sometimes the difference is slight; other times, the gulf between premiums is hundreds of dollars.
Why is this the case? No insurance company can offer a flat-rate premium because insurance is based on the risk each driver represents. That means your friends and family might find a cheaper rate with company A, while company B can offer you a better rate.
The best way to determine which car insurance company you should use is to compare quotes from multiple providers.
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