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Updated
Insurance brokers work with customers to find out about their insurance needs and what insurance policies and providers will work best for them. Auto insurance brokers do this to help you find the right auto insurance.
They are licensed to sell insurance and work with various vendors offering various products to consumers. Oftentimes these auto insurance brokers can help you with home or other types of insurance. They help by doing the leg work of research for you and presenting you with multiple insurance choices and various price points.
The Alberta Insurance Council (AIC), formed under the Alberta Insurance Act, facilitates licensing and regulation of insurance agents, brokers, and independent adjusters in the province. Individuals living in Calgary interested in receiving professional qualifications, and obtaining their licenses for becoming agents, brokers, and independent insurance adjusters, must appear for an examination conducted by AIC in person. For additional details on the examination, visit the Alberta Insurance Council website.
Insurance brokers can provide unbiased information and choices to customers because they are not tied to any insurance company.
Brokers will work with various insurance companies to help you get the best rates possible. Comparing rates and policies can help you save money and get the policy that best suits your auto insurance needs.
Brokers, agents and comparison websites all offer different but complimentary services.
| Insurance brokers | Insurance agents | Comparison sites |
|---|---|---|
| Can assist you by offering products from a variety of insurance companies and finding the best ones that work for you. | Work for one company and can only offer their employer's auto insurance products. | An even faster way to compare insurance and find your lowest rate. Takes less than 5 minutes, available 24/7, and is always free. No appointment necessary. |
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Like all things, using a car insurance broker in Calgary can have both good and bad points.
| Insurance Companies | Phone | Address |
|---|---|---|
| Allstate Insurance: Calgary West Agency | 1(587)317-3517 | 7337 Sierra Morena Blvd SW, Unit 30, Calgary, AB T3H 3V4 |
| Insurance Hotline | 1 (855) 821-7312 | 225 King St W, Suite 1000, Toronto, ON, M5V 3M2 |
| Lakeview Insurance Brokers | 1(403) 287-2521 | 4704 1 St. SW, Calgary AB, T2G 0A1 |
| LowestRates.ca | (604) 829-3714 | 1910 Yonge St, Suite 401, Toronto, ON M4S 3B2 |
| RATESDOTCA | 1 (844) 726-0907 | 225 King St W, Suite 1000, Toronto, ON, M5V 3M2 |
| Scoop Insurance | 1(866) 456-6620 | 300 Lincoln St, Unit 22, Welland, ON L3B 4N4 |
| Sharp Insurance | 1(403)590-2008 | 1331 Macleod Trail SE #300, Calgary AB, T2G 0K3 |
| Westland Insurance | 1(403) 257-0790 | 28 McKenzie Towne Ave SE #3, Calgary AB T2Z 3S7 |
When filing a claim through your Calgary auto insurance broker, it is very important to call your insurance broker immediately after an accident. Let them know what happened and ask for the next steps, as it is the role of your broker to help you. You must submit a report within seven days, ideally 24 hours. If this is not done within a reasonable time, your insurance company may not honour your claim.
You can get the following insurance coverages from a Calgary car insurance broker, depending on which products the broker specializes in.
Find out what you need to know about insurance brokers in Calgary.
According to the RATESDOTCA Insuramap, a 35-year-old man driving a 2018 Honda Civic will pay an average of $2,230 for auto insurance in Calgary, which is significantly higher than the Alberta average of $1,991.
No two people are alike and certainly their insurance needs vary as well. However, using an insurance broker or comparison site to find car insurance in Calgary can be quite useful.
Brokers will do the comparison shopping for you and will work with you to ensure you get the best policy to fit your driving and financial needs. They work for you do not represent any one insurance company so there is little to no bias in their assistance.
Brokers are paid by insurance companies but are still bound by fiduciary duty to act in the best interests of their clients. Some brokers charge customers fees for their services.
Auto insurance brokers primarily make money from the companies they partner with to sell insurance products. Commissions are paid to insurance brokers by those companies for bringing them business.
Auto insurance rates are not generally higher when working with a broker. Insurance companies like to work with brokers because they bring them business. In fact, by working with an auto insurance broker in Calgary, you will likely pay lower rates as they are bringing you choices and the best rates they can find to fit your needs.
RATESDOTCA makes it easy for consumers to search the entire market of auto insurance (among other insurances). It only takes a few clicks to be matched with a range of quotes from Canada’s top insurance providers.
RATESDOTCA owns the Welland-based Scoop Insurance brokerage (formerly Kanetix Ltd.)
Under Alberta’s Insurance Act, all agents and brokers must be licensed by the Alberta Insurance Council.
Finding the best car insurance brokers in Calgary starts with research. Using RATESDOTCA is a great place to get fast, free online quotes from some of the top insurance providers in Calgary.
*Represents the average saved by shoppers who obtained a Calgary quote on RATESDOTCA and transacted via our contact centre between January and December 2022. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by RATESDOTCA.
Joel Kranc is a freelance writer and content provider who has worked with RATESDOTCA since 2019. He holds an MA in political science from the University of Toronto and a film certificate from New York University.
He has been published in and worked for such companies as CNN, Rogers Media, Institutional Investor Magazine, The Globe and Mail, Infrastructure Investor, BenefitsPRO Magazine, Global Finance Magazine, With Intelligence, the CPP Investment Board, Hospitals of Ontario Pension Plan, and many more financial services and industry publications.
He is the author of "Retirement Planning in 8 Easy Steps," which, when released in 2015, was No. 11 on the Publisher's Weekly US Bestseller List for Business and Finance, beating out Mark Cuban's "How to Win at the Sport of Business."
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