Compare Car Insurance Quotes in Airdrie

When it comes to calculating rate for drivers in Airdrie, there are a number of different factors that insurers consider, including:

• Driving history. Probably the most important factor insurers take into account when assessing your risk is your driving history. Drivers with multiple infractions such as speeding tickets and careless driving will have higher rates than someone with a clean driving record. Always follow the rules of the road and practice defensive driving when behind the wheel.
• Your mileage. How much you drive will affect your car insurance rates in Airdrie. The more you drive, the higher your rates are likely to be, as you’re more apt to get into an accident the longer you’re on the road.
• Your postal code. Where you live in Airdrie can have an impact on your insurance rates. One part of town can have much different rates than another, if there are a high number of claims.
• Your age. Your age is another factor that can have an impact on your insurance rates in Airdrie. Young drivers have less experience behind the wheel and are statistically more likely to be involved in traffic collisions than older, more experienced drivers. At the other end of the spectrum, senior drivers may also see higher premiums as they’re statistically most likely to file claims.
• Your policy. The amount of coverage you opt for will affect your rates. The more coverage, the higher the premiums. You are required to have minimum coverage amounts, which in Airdrie is accident benefits and third party liability.  However, you can choose to add comprehensive and/or collision insurance.
• Insurance history. Finally, your insurance history will also play a role when it comes to determining your insurance rates in Airdrie. Those who’ve missed payments or made multiple claims will likely face higher rates. Additionally, newcomers to Canada are likely to have higher rates as they have no Canadian insurance history.

The vehicle you drive is one of many factors that go into your Airdrie insurance quote. However, inexpensive, used cars with good safety ratings and low theft rates are often more affordable to insure.

There are a number of ways Airdrie drivers can score discounts on auto insurance, including:

• Shop and compare. When looking for an insurance provider, make sure you’re comparing providers. Even within the same city, the difference in price between insurance companies can be substantial. The good news is, RATESDOTCA makes it easy to compare rates from dozens of providers in Airdrie.
• Bundle your coverage. Another way to save on your car insurance in Airdrie is to bundle your different policies. By bundling your home and auto coverage with the same provider, you could save hundreds of dollars a year.
• Get a multi car discount. If you have multiple drivers and vehicles in the same household, putting them all on one policy can save you money.
• Install an anti-theft device. Alberta records more annual car thefts than any other province. No matter what sort of area you live in, an anti-theft device like a car alarm or a GPS tracker will prove to insurance companies that you are taking all necessary precautions — and will reduce the probability that you'll need to file a claim in the first place.
• Take a driver’s education course. New or inexperienced drivers can save on their car insurance premiums by completing an accredited driver’s education course.
• Increase your deductible. Increasing your deductible (the amount you pay when settling a claim) can result in lower premiums.
• Pay premiums annually, instead of monthly. Paying your insurance premiums on a monthly basis adds administrative costs to your insurer. To lower your premiums, pay in full annually if you’re able.
• Consider usage-based insurance. A usage-based insurance (UBI) or telematics device is one way for Airdrie drivers to lower their annual premium. To take advantage of this program, an app on your phone monitors various aspects of your driving such as your average speed, how far you travel, and your braking habits. Premiums can’t be increased for risky behaviour, but discounts of up to 30% are available for individuals who demonstrate good, safe driving.