Car Insurance Camrose

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If you head southeast of Edmonton along Highway 13, you’ll find yourself in the charming city of Camrose. While it may not have the hustle of a big city, driving is still a daily essential in Camrose, whether you're commuting, running errands, or heading out to nearby towns. Whether you’ve lived in Camrose for years or are new to the area, having the right car insurance is key to staying protected on Alberta’s roads. Luckily, BrokerLink is here to help. Our team of local Alberta insurance brokers work with top insurers to find the right insurance that fits both your needs and your budget.

BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.

What is Camrose car insurance?

Car insurance in Camrose is a simple agreement between you and your provider. You pay a monthly premium, and in return, your insurer helps cover the costs if you’re in an accident or your vehicle is damaged or stolen.

But your Camrose auto insurance policy should also reflect the way you drive and the conditions you face every day. With a mix of city streets, rural roads, and busy highways like Highway 13, local drivers deal with everything from wildlife crossings to icy winter roads. That’s why having coverage tailored to Camrose’s unique driving environment isn’t just helpful, it’s essential for peace of mind behind the wheel.

Why you need car insurance in Camrose

In Canada, the government of each province and territory decides whether car insurance is mandatory. The government of Alberta has made auto insurance a legal requirement, which means Camrose drivers must have a valid, up-to-date car insurance m/policy with at least minimum coverage at all times.

It is illegal for Camrose drivers to drive without insurance. This means that if caught, you could be:

Fined up to $20,000
Face up to six months in jail

But while car insurance is mandatory in Alberta, it also offers peace of mind to Camrose drivers travelling from point A to point B. Based on the 2021 Census from Statistics Canada, about 43% of Camrose residents were part of the workforce, and of those who commuted, 92% relied on a car, truck, or van. That shows just how important vehicles are for daily life in Camrose, making reliable auto insurance a must-have for most drivers. Contact an insurance broker for a free Alberta car insurance quote today.

Types of auto insurance coverage in Camrose, Alberta

According to the Camrose Police 2024 Traffic Analysis, Camrose recorded 311 reportable collisions, with a 26% increase in the number of injury collisions from 2023. If you're a driver in Camrose, now’s a great time to review your coverage options and make sure your policy is up to date.

In Alberta, some types of car insurance, like liability coverage, are legally required, while others are optional and provide added peace of mind. Let’s break down the different types of coverage options so you can decide what works best for you.

Mandatory

Optional

This is one of the most essential parts of your car insurance policy in Camrose. It protects you financially if you’re found responsible for an accident that causes injury to someone else or damages their property. It can also help with legal fees if you're taken to court. In Alberta, all drivers are required to carry at least $200,000 in third-party liability coverage.

If you, a passenger, or even a pedestrian are injured in a collision, accident benefits coverage helps cover medical costs, rehabilitation, and other recovery-related expenses, regardless of who was at fault.

If you're involved in an accident that wasn't your fault, DCPD allows your own insurer to handle the claim for you or your vehicle. That means you won’t have to deal with the other driver's insurance company, making the claims process much smoother and quicker.

Collision coverage is a popular optional add-on for Camrose drivers. It helps cover the cost of repairs or a replacement if your vehicle is damaged in a crash, whether you collide with another car, hit a stationary object, or your vehicle rolls over, no matter who is at fault.

Comprehensive coverage protects your vehicle from damage that isn’t caused by a collision. That includes things like theft, vandalism, fire, hail, falling branches, or even hitting an animal on a country road near Camrose. With Alberta’s unpredictable weather and rural surroundings, this kind of protection offers added peace of mind.

One more type of optional car insurance coverage popular among Camrose drivers is accident forgiveness. Accident forgiveness is additional coverage that can be added to your auto 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.

Like other insurance products, this type of coverage is mandatory. Uninsured automobile coverage will come into effect if you get into an accident with an uninsured or underinsured driver. It helps pay for damages caused by the accident even if the other driver leaves the scene in a hit-and-run and there's no one at fault for the collision.

If you're buying a new car, adding this coverage to your policy is worth considering. It ensures you're covered for the full value of your vehicle without factoring in depreciation. That means if your car is stolen or totalled, you'll be reimbursed for the cost of a brand-new vehicle—not just what it's worth after wear and tear.

If you ever get into an accident and your car needs repairs, loss of use coverage has your back. While your car is in the shop, this coverage helps pay for other ways to get around—whether that's hopping on public transit, using ride shares, or renting a car. It can be a real lifesaver, especially if your car ends up being out of commission for days or even weeks.

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Ways to save money on Camrose auto insurance

Don’t pay more than you need to for car insurance in Camrose. Take a look at these expert tips from BrokerLink to help you save.

Discounts

Bundle different insurance policies

Looking for a simple way to save on your car insurance in Camrose? Try bundling your policies together. If you’ve got home insurance, tenant insurance, or other types of insurance, combining them under one provider can earn you a discount, often up to 15%. And if you’ve got more than one vehicle, you could save even more. Some insurance companies offer up to 20% off when you have more than one vehicle insured together.

Consider usage-based insurance

If you’re a safe driver, usage-based insurance could work in your favour. With a small device or app that monitors things like your speed, braking, and how far you drive, you could qualify for lower rates based on your actual driving habits.

Install winter tires on your vehicle

Winters in Camrose can be icy and unpredictable. That’s why many insurance providers reward drivers who install winter tires with a discount, sometimes up to 5%.

Savings Options

Increase your deductible

If you’re comfortable covering a higher out-of-pocket amount in the event of a claim (say $1,000 instead of $500), you could see noticeable savings on your insurance bill.

Review your coverage often

Rates and needs change. That’s why it’s a good idea to take a look at your policy before each renewal. If your premium has gone up or your situation has changed, it might be time to shop around. A local Camrose BrokerLink advisor can help you explore your options and make sure you're still getting the best deal.

Factors considered when calculating Camrose car insurance premiums

When it comes to calculating your car insurance rate in Camrose, providers look at a variety of factors, and no two companies weigh them exactly the same. That’s why your quote might differ from someone else’s, even if you live on the same street. Here are some factors that insurance companies consider:

Your location

One major factor is location. And in 2024, local crime saw a noticeable jump. According to the RCMP, break-and-enters went up by 79%, and car thefts rose 43% compared to the year before. Camrose Police also reported a 34% increase in hit-and-run collisions. These kinds of local trends can have a direct impact on your premium.

Add to that rising legal costs across Alberta. Lawsuits and insurance-related legal fees have gone up 31% since 2018 and now make up 20% of mandatory premiums, according to the Insurance Bureau of Canada (IBC).

Your driving record

How long you've been driving and how clean your record is are also top considerations for insurance providers. A spotless record with years behind the wheel usually means lower premiums, while tickets, accidents, or other marks can increase your rate.

The type of vehicle your drive

Certain makes and models are more expensive to insure. Insurance companies look at how often a vehicle is stolen and how pricey its parts are. Some models that are commonly stolen or more costly to repair or replace can lead to higher premiums.

The amount of coverage you choose

The level of protection you pick also affects your premium. Opting for minimal coverage means lower costs, while a more complete policy will raise your premium but offer broader peace of mind.

To find out how much you could pay for car insurance in Camrose, contact BrokerLink today for a free, no-obligation quote.

Get a free Camrose auto insurance quote from BrokerLink

To learn more about auto insurance in Camrose or to receive a free Camrose car insurance quote, contact BrokerLink today. We can also help you with other insurance services, such as home insurance, business insurance, travel insurance, pet insurance, and more.

The BrokerLink team is always available to take your calls, emails, or chat with you in person at one of our many locations in Alberta. We also encourage you to take advantage of our free online quote tool that can provide you with a competitive car insurance quote in minutes.

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