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Car Insurance in Edmonton, Canada

Buying car insurance Edmonton is something that every car owner will need to face, and there are a number of companies to choose from. Top contenders in the area include:

  1. Surex Direct Auto Insurance
  2. State Farm Auto Insurance
  3. All State Auto Insurance

With so many Edmonton car insurance companies to choose from, it is important that you understand what you are getting into when you sign a policy. While it is a regulated industry with rates that can be changed with the provincial government's mandate, companies can also charge higher rates based on your demographics. Therefore, it is important to do your homework before you make the mistake of committing to a policy that is not best for you.


Types of Insurance Available

While Edmonton has its own minimum requirements when it comes to your coverage, there are other types of insurance that you can purchase that can offer you added protection. One of these options is collision. In the event that you collide with another vehicle or object, the cost for repairs will be covered.

Comprehensive plans offer a range of coverage, and it gives you a good chance of recovery in the event something bad happens. These types of plans will normally protect you from instances such as fire, theft, and natural disasters. Among the service compensation these plans often cover include:

  1. Towing fees
  2. Tire changes
  3. Rental cars
  4. Costs in the event of a total loss

Major Features of a Good Insurance Policy

While finding cheap car insurance Edmonton is often the primary focus of those in the market for a new plan, there are other factors that you must take into consideration. For example, while one plan may be a little more expensive than another company is offering, check to see if they offer discounts. Some companies will offer a slash in the rate if you combine your homeowner's insurance with your car policy. There are also those who offer discounts for good driving. While the initial rate may be higher, practicing careful driving could help you achieve a much lower rate in the future.

You should also consider the level of coverage you will receive. Getting a rate that is much lower than the competition may seem like the obvious answer, but, before you sign anything, carefully review how much compensation you will receive in the event you are involved in an accident. Oftentimes, these lower rates mean you will have to pay a much higher deductible before you receive any assistance from your insurer.


Factors That Impact Your Premium

You must be aware of factors that impact your premium. Just because your neighbour got a great rate with an Edmonton auto insurance provider does not mean that offer will be extended to you. Insurance providers look at certain demographics to determine the risk you pose as a customer. For example, if you drive long distances, you can expect a higher rate. Other things insurers look at include:

  1. Age
  2. Sex
  3. Where you drive
  4. What you drive
  5. Marital status

Tips for Getting the Best Rate

There are a number of Edmonton car insurance companies to choose from, and you should take that level of competition to your advantage. Not only does it give you more exposure to your options, but it can also give you a higher level of negotiation power.

You should also have clear understanding of your needs when it comes to picking the right insurance policy. Consider the coverage options that are important to your individual needs, and make sure these are covered in a policy before you sign.

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