Calgary Car Insurance

All drivers in Calgary need up-to-date, current auto insurance, it's mandatory by law. This applies to people who live in the area, as well as visitors who are just passing through.

While there's no question that you need insurance for your car, the vast number of insurance companies and types of coverage can be confusing. You want the most affordable policy that also gives you the proper coverage. After all, you aren't just paying a premium because it's a legal requirement. You're paying for a service that offers value, and you want to make sure that your policy covers your needs.

If you're looking for a car insurance broker in Calgary, BrokerLink can help. We have experienced staff and multiple locations in Calgary. We can find the best policy for your needs across multiple offerings on the market. Because our loyalty is to our customers, you can rest assured that all of our recommendations are geared to give you the best choices possible, rather than relying solely on the insurance companies' sales material.

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The benefit of having car insurance in Calgary

Having proper car insurance is an important part of driving in Calgary. Of course, it’s against the law to drive without insurance. If you're caught, you can face severe fines and even jail time if you don't pay your fines on time. And multiple instances of being caught without insurance can snowball into much larger fines while making it more difficult to find affordable insurance in Calgary. There are many reasons it would be unwise NOT to purchase car insurance if you own a car.

The law isn't only protecting other drivers. It's also helping to protect you.

Here are a few great benefits to having car insurance in Calgary

Coverages below depend on the type of coverage you choose:

  • You're in compliance with the law: You never have to worry about being charged for a lack of insurance as long as you're covered and have valid proof of insurance with you.
  • You're protected in case of an accident: Car accidents can happen any time and you don't have to be at fault. After all, another driver might make a mistake that you have no control over and that can lead to damages. A good car insurance policy will help you repair your car or replace it so that you don't find yourself having to cover the costs on your own.
  • You're protected in case of an injury: Your medical insurance will likely cover a great deal of any medical costs. But you might need therapy or have costs related to an injury that your medical insurance doesn't cover. Your auto insurance can provide help in these cases.
  • You're covered in the event of theft: What happens if someone steals your car? Car insurance can help you replace the car.
  • You're covered in the event of damages from nature: A tree falls on your car or a flood causes major damage. It's no one's fault but it can be costly to repair. Your car insurance would cover this type of damage.
  • You can access a replacement vehicle while yours is being repaired: Some policies offer an allowance so that you can rent a car while your car is being repaired.

What factors affect the cost of affordable car insurance in Calgary?

Not all policies have the same premiums. There are a number of factors that can affect the cost of your car insurance rates. At BrokerLink, we go through a customer's individual information to make sure they receive all of the possible savings offered for their circumstances.

Here are some factors that will impact your car insurance rates

  • Driving record: A good driving record can help you save money because insurance providers see you as a good risk. A bad driving record or filing many claims can make your premiums go up significantly.
  • Age: Young drivers usually have a higher premium because they're in a demographic with more accidents. Often rates will go down as you age, providing your driving record is good.
  • Location: The area where you live impacts the premiums for your car. Calgary's rates are slightly higher than in other areas of Alberta, so your premium may be higher here than in other areas.
  • Type of coverage: The amount of coverage you have on the vehicle will impact the premium.
  • The make and model of the car: Some cars are more costly to insure than others. There are many reasons for this. For example, some types of cars tend to be in more accidents or are more prone to theft.
  • Safety and security features: Having a car with safety features that protect the driver or improve driving can lower your rates, as can features that protect your car from theft.

Mandatory car insurance in Calgary

As pointed out earlier, insurance is mandatory in Calgary. Driving without insurance is not considered a criminal act, but the fines will add up and can negatively impact your driving record. Not paying your fines can result in a jail sentence.

Tips for new drivers in Calgary

New drivers are often nervous. Like any skill, driving takes practice to fully master. If you have a new driver in your home, pay attention to safety features in your car and ask about them when you purchase a new car.

Your new driver will need a lot of practice behind the wheel. If their parent makes them nervous, it might be a good idea to have someone else drive with them to help them learn better. It's also an excellent idea to take drivers’ education courses. You might even have your young driver take the course a second time to provide them with more instruction and practice before they're on the road on their own.

Can I drive without insurance in Calgary, Alberta?

No, you cannot drive without auto insurance in Calgary or elsewhere in Alberta, as driving uninsured is against the law. If caught driving without a valid, up-to-date car insurance policy, you could face serious consequences, ranging from hefty fines to jail time.

For example, an uninsured motorist can be fined between $2,875 and $10,000 for a first offense in Alberta. Failure to pay this fine can result in jail time ranging from 45 days to 6 months.

For a second offense in Alberta, the minimum fine for driving without insurance is $5,000, and the maximum fine is $20,000. Again, failure to pay the fine can result in jail time lasting anywhere between 60 days and 6 months.

Therefore, driving without insurance in Alberta is not worth the risk. So if you are currently driving without insurance or if your existing policy is set to expire, do yourself a favour and contact BrokerLink. One of our expert insurance advisors will be happy to help you find a competitive policy that complies with Alberta’s minimum coverage requirements.

Why purchase Calgary car insurance?

Beyond car insurance being mandatory in Alberta, there are many reasons Calgary drivers choose to buy auto insurance. Namely, car insurance offers financial protection in a wide range of circumstances. From collisions to bodily injury, your car insurance policy can safeguard you against some of the most common risks of driving. Keep reading to discover the top four reasons Calgary drivers purchase car insurance.

You are protected in case of bodily injury

Car accidents can easily lead to injuries. Thankfully, most standard car insurance plans in Alberta include bodily injury coverage, so if you require medical attention following an accident, you can seek compensation from your insurer to help cover the cost of medical expenses. Specifically, car insurance coverage can pay for medical expenses not covered by health insurance, such as prescription medications or rehabilitation.

You are protected in the event of an accident

Car insurance offers financial protection should you get into a collision on the road. Auto accidents happen every day, even to the safest of drivers, and they may result in costly damage to your vehicle. But if you have car insurance in Calgary, your insurance provider can help pay for the cost of repairing or replacing a vehicle damaged in a collision.

You are protected in case of theft

If you choose to include comprehensive coverage in your Calgary auto insurance policy, then you and your vehicle may be protected in the event of theft. This means that your insurance provider will help pay for the cost of replacing your vehicle if it is stolen. This type of coverage may also protect your car against vandalism, fire, and water damage.

You are in compliance with the law

Last but not least, purchasing Calgary auto insurance means you are in compliance with provincial law. Getting behind the wheel without insurance in Alberta can have serious consequences, financially and otherwise. For example, if caught driving uninsured, you could temporarily lose your driver’s license and be fined up to $20,000.

Mandatory car insurance coverage in Calgary

Calgary car insurance is far from simple. Each policy is made up of multiple coverage types, some of which are mandatory and some of which are optional. Specifically, there are two types of coverage that the Government of Alberta has made compulsory, and they are third party liability coverage and uninsured automobile coverage. We explain these two mandatory coverages below. Please note that these coverages are required in all circumstances, no matter whether you own, lease, or finance your Calgary vehicle.

Third party liability coverage

Third party liability coverage protects Calgary motorists if they get into an accident that they are liable for. If the accident results in bodily injury or property damage, liability coverage can help pay for medical expenses, vehicle repairs, and any applicable court or legal fees. In Alberta, auto insurance policies must include a minimum of $200,000 in third party liability coverage.

Uninsured automobile coverage

Uninsured automobile coverage is another mandatory coverage type in Alberta. It is designed to protect you and any passengers in your car if you’re involved in a collision with an at-fault driver who is either uninsured or underinsured. This type of coverage can also help if you are ever the victim of a hit-and-run.

Optional car insurance coverage for Calgary drivers

All car insurance plans in Alberta must feature the two coverage types listed above. But these are not the only coverages available to Calgary drivers. Insurance providers in Canada offer a wide range of optional coverages to customers. Though they may not all apply to you, you’ll likely find that you could benefit from adding certain optional coverages to your policy. Check out a few of the most popular types of optional car insurance coverages in Calgary below.

Collision coverage

Collision coverage protects the policyholder if they get into an accident with another vehicle or object on the road, no matter who is responsible for the accident. Under the collision coverage section of your policy, you can receive compensation to help pay for any property damage that resulted from the collision, like vehicle repairs.

Comprehensive coverage

Comprehensive coverage protects against many risks that standard car insurance coverage does not. For example, if you purchase comprehensive coverage, you can be protected in the event of theft, vandalism, fire, water damage, and more. Ultimately, comprehensive coverage may provide Calgary drivers with peace of mind while on the road.

Accident forgiveness coverage

Accident forgiveness is one final type of optional coverage in Alberta. Accident forgiveness is additional coverage that can be added to your car insurance policy as an endorsement, to protect your driving record and to help prevent your insurance premium from increasing if you have an at-fault accident claim. Note: coverage varies by province.

Find cheap Calgary auto insurance with these money-saving tips

Calgary drivers should never pay more for car insurance than they have to. At BrokerLink, we make sure of that by comparing quotes and unlocking discounts on your behalf. We also let our customers in on the industry’s best-kept secrets for saving money on auto insurance. A few of our top tips can be found below.

Increase your deductible

A general rule of thumb in the insurance industry is the higher your deductible, the lower your premium. So if you’re looking to save money on auto insurance, one way to do that is by increasing your deductible. The average car insurance deductible in Alberta is $500. By raising your deductible to $1,000 or more, you could reduce how much you pay for Calgary car insurance. To find out whether increasing your deductible is right for you, contact BrokerLink. We can explain what a deductible is, as well as the pros and cons of increasing yours.

Choose annual over monthly payments

One simple but effective way to save money on Calgary auto insurance is by paying for your policy annually rather than monthly. Paying monthly may cost more in the long run as insurance companies could add administrative fees for each monthly payment. Therefore, the fewer payments you make, the cheaper your policy will be.

Insure multiple vehicles together

If your household has more than one vehicle, insuring them together can make you eligible for a discount. So if you’re looking to insure your car, as well as your spouse’s car, insure them both at the same time with the same insurance company, and you may save between 15% and 20% on each policy.

Bundle insurance policies

Bundling insurance policies together is another way to save money on Calgary auto insurance. The more insurance you buy from one company, the more likely they are to give you a discount. So if you’re also shopping for home insurance, business insurance, or insurance for leisure items like a cottage, boat, or ATV, look for an insurer that sells multiple kinds of insurance and purchase all your policies from them. Bundling multiple insurance policies together can save you up to 15% on each policy.

Install winter tires on your vehicle

Alberta winters are no laughing matter. Ice, snow, and sub-zero temperatures all make winter driving infinitely more dangerous. But installing winter tires on your vehicle, which are known for their superior capabilities in cold weather, can make driving safer. Insurance companies recognize this, which is why they offer discounts to drivers who install winter tires on their vehicles. Snow tires aren’t mandatory in Alberta, so if you choose to buy them, your insurer may reward you with savings of up to 5% on your car insurance policy.

Enrol in driving school

Enrolling in an approved driving school in Alberta can save you money on auto insurance. Insurance companies recognize that driving schools produce skilled and knowledgeable drivers who know the rules of the road and are more likely to obey them. Thus, they offer discounts to young drivers who can prove they completed professional driving lessons. Since new drivers tend to have the highest insurance premiums, the insurance discount you receive from attending driving school can be a major benefit.

Work with an insurance broker

One last way to save money on your Calgary auto insurance policy is by working with a trusted insurance broker. BrokerLink has been in business for over 30 years, and during this time, we have helped countless Canadians find affordable car insurance policies. We understand that every person’s financial situation is different and are dedicated to finding our customers the best policies, no matter their budget. Our expert insurance advisors can make you aware of discounts you didn’t even know you were eligible for. When you work with a BrokerLink broker, you’ll have someone by your side every step of the way, ensuring you find a policy that suits you and your family. Therefore, one of the most effective methods of saving money on Calgary car insurance is by getting in touch with BrokerLink.

How to get car insurance in Calgary

Finding quality car insurance in Calgary couldn’t be easier! Follow the steps below to make sure you have the coverage you need.

1. Work with an insurance broker

The first step to finding the best coverage at the lowest rate is working with an insurance broker. One of our insurance advisors will take the time to get to know you and learn about your unique needs.

2. We shop around on your behalf

One of the main benefits of working with an insurance broker is that we do all the shopping for you. We contact Canada’s top insurance companies to obtain quotes and then compare them to determine which one has the best rate for you.

3. You get a great rate

All BrokerLink insurance brokers are licensed insurance experts. That means we know where all the best deals are. We will give you several options to choose from, walk you through each, and then you can pick what’s best for you.

Get in touch with BrokerLink for a car insurance quote in Calgary

Want to learn more about Calgary car insurance? Contact BrokerLink!

As car insurance experts, BrokerLink can help you find a policy that meets your lifestyle and budget. Get in touch by phone, email, or in person, and one of our insurance advisors will be pleased to assist you.

We also invite Calgary drivers to take advantage of our free auto insurance quotes. BrokerLink is pleased to offer fully complimentary, no-obligation quotes to all Calgary residents. Request your free quote over the phone or using our online quote tool. To request a quote online, all you need to do is answer a few basic questions about yourself and your vehicle, and you’ll receive an accurate and competitive quote in minutes. It couldn’t be easier! What are you waiting for? Contact BrokerLink today - we can’t wait to hear from you!

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FAQ about car insurance in Calgary

How much is car insurance in Calgary?

Calgary car insurance is slightly higher than in other areas of Alberta. Keep in mind, there are many factors that can impact rates: driving record, age, location, type of coverage, and your vehicle’s make and model.

Should I buy insurance before buying a car in Calgary?

Yes. You need car insurance before you can finalize the purchase of a car in Calgary.

For more FAQs, visit the BrokerLink FAQs page.

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