Car Insurance in Alberta
Shop around for your Alberta car insurance and pay less for the coverage you need. At Kanetix.ca, we help you find a better rate. We shop the market for you making it quicker and easier for you to get quotes and coverage from the top providers all in one place.
Compare Alberta car insurance quotes today for a better price. It's easy, secure and free.
Don't live in Alberta but are looking to save money on your car insurance? Get and compare quotes for: Ontario car insurance, Quebec car insurance, Nova Scotia car insurance, New Brunswick car insurance or PEI car insurance too.
Car insurance in Alberta is mandatory and according to the Alberta Automobile Insurance Rate Board (the folks who regulate and monitor automobile insurance in the province), every vehicle must have at least $200,000 third party liability and accident benefits coverage to operate a private passenger automobile.
The basic Alberta car insurance coverage needed
The following are the compulsory coverages needed in Alberta:
Optional coverages and endorsements you can tack onto your Alberta car insurance policy
There are optional coverages that can be added to your Alberta car insurance policy to ensure that you're protected in the way you expect to be covered. Two of the most well-known are:
Both of these optional coverages usually have a deductible. A deductible is the portion of an insurance claim you agree to pay. Your deductibles will factor into how your auto insurance rates are calculated. The higher the deductible the lower your rates.
There are other optional coverages as well that you can add to your policy such as:
These are just a few of the more popular, but there are many others as well.
What goes into calculating your Alberta auto insurance rate?
There are many things that go into determining your car insurance rate. Even though what you pay will vary by company, a few things that every auto insurer will consider include:
Your driving record
How long you've been licensed, traffic ticket convictions, as well as collisions where you're wholly or partially at fault will affect what you pay for your coverage.
The car you drive
What you drive will, in part, determine what you pay for auto insurance. Insurance works this way because theft rates, vehicle safety ratings, and the historical repair costs for a vehicle can vary significantly.
How often and how far you drive
The more time you spend on the road, the greater the chance you'll be in a collision. If you work close to home (or take public transit), chances are you'll pay less for your Alberta car insurance than someone who commutes every day for long stretches of time.
Where you live
Where you live also factors into your car insurance rate. If you live in a rural area, chances are you'll pay less than someone who lives and drives in a city where there are more drivers on the road.
Save money on your Alberta car insurance and shop around
Compare rates regularly to ensure you're not overpaying for your coverage. Shop around for your auto insurance when:
Auto insurance isn't one of those things that you can get and forget; it's important that you regularly check in on the rates you pay to make sure you're getting the best Alberta auto insurance rate possible. Compare Alberta car insurance quotes today to see if you could be saving money.
About 95% of Albertans wear their seat belts when they travel in their vehicles, whether they are going across the province or across town. While 95% is good, 100% would be great; seat belts save lives and improve the odds of surviving an auto accident.
There are different rules for proper seat belt use depending on whether the user is an adult, an infant or somewhere in between.
For the purposes of seat belt use, adults are generally considered to be 12 years of age and older; people who can sit comfortably in the car's seat. Adults older than 16 years of age are responsible for ensuring that passengers under 16 are buckled up properly.
Infants, toddlers and children need to be secured in child safety seats or boosters, appropriate for their age, size, and weight. When restraining an infant in a vehicle, remember:
The following guidelines should be followed when securing toddlers in a vehicle:
Pregnant women should buckle up at all times. The seat belt will not harm the baby if used properly. Pregnant women should following these guidelines:
Not buckling up properly, or modifying or removing seat belts from vehicles can result in a $115 fine and lost demerit points.
Stay up-to-date on Alberta seat belt laws and learn more about seat belt safety. Visit:
Every driver on the road knows that demerit points are something to avoid. No one wants them on their driver's licence. Demerit points are added to your driver's abstract once you commit an offence. They are not taken away as people commonly believe.
Demerit points, on their own will not affect your insurance, the offence itself does as well as the licence suspension some people get for having accumulated too many demerit points.
Demerit points are added to your driving record upon conviction of the offence. A conviction occurs when you pay the ticket's fine voluntarily or are found by a court to be guilty.
The list of violations that come with demerit points upon conviction is long. The following are a few of the more common offences committed by drivers. In Alberta:
The most demerit points that are added on a single infraction in Alberta is 7, and it is for failing to remain at the scene of an accident.
Most infractions, upon conviction, will get you between two to four demerit points added to your driving history. View the complete list of infractions and the associated number of demerit points, on the Alberta Transportation website.
Alberta has a graduated driver licensing program. This means that people who are learning to drive will graduate to different stages of probationary driving periods, depending on knowledge and experience, until they are fully-licensed as a Class 5 driver. It takes a minimum of 3 years to complete both stages of Alberta's Graduated Licensing Program.
Beginner drivers can collect demerit points for committing the same infractions as fully-licensed drivers. Since they are still in the learning phases, however, there are infractions that are specific to them that will earn them demerit points also. Drivers still in the graduated licensing program will get demerit points (2) for each of the following:
Drivers with a graduated licence, who collect four to seven demerit points within a two year period will receive a letter regarding the points they have against their driver's licence. At eight demerit points, novice drivers will have their licence suspended.
Experienced (fully licensed drivers with a Class 5) will get a letter with their point standing, after accumulating 8-14 points within 2 years, and will have their licence suspended at 15 demerit points.
For more information:
There is a price to pay for not obeying the rules of the road; demerit points, increased auto insurance rates and even the risk of losing your driving privileges. Taking care on the road is the smart thing to do.
Auto insurance in Alberta
Calgary Car Insurance|
Edmonton Car Insurance
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