Car Insurance in Cardston

You may. Not all insurance companies in Alberta offer winter tire discounts, so it depends on which insurance company you’re dealing with. That said, many offer a small discount to drivers who install winter tires on their cars, so long as they meet the conditions laid out by the company.

For example, some insurance companies need all four tires to be the same model and others have set dates that the tires need to be installed by and left on until. You can learn more about how winter tire discounts work, how much of a discount you may be eligible for, and which conditions must be met to qualify by reaching out to Alberta insurance companies or an insurance broker near you.

You can renew car insurance in Cardston simply and easily by reaching out to your insurance provider. Some insurance companies even allow you to renew your policy online, meaning you can do so without leaving the comfort of your home. Of course, if you prefer to speak directly with an insurance agent when renewing, then you can also give them a call or visit your insurance company’s local branch.

Remember that the best time to renew your policy is before it expires. This makes for the most seamless renewal process. When renewing your policy, don’t hesitate to make adjustments, such as raising or lowering your deductible or adding or removing certain coverage types. The beginning of the policy term is the best time to make such changes. If you forget to renew your policy before it expires, you might still be able to renew it using the expired car insurance renewal process. This process can be lengthier than the typical process and might result in an increased premium due to the gap in coverage, but it may still be an option depending on the insurance company.

No. A driver’s licence is a necessity when you are purchasing car insurance. In fact, it is one of the first pieces of information that an insurance agent will ask for. Thus, you must obtain a valid Alberta driver’s licence before trying to purchase auto insurance in Cardston. It is also worth noting that you will need a driver’s licence to register your vehicle with the Government of Alberta’s Ministry of Transportation, which is also a requirement for purchasing auto insurance.

Most likely, though it depends on the circumstances of the situation. So long as your friend was not committing an illegal act at the time of the accident and had permission from you to drive your car, they will likely be covered by your Cardston car insurance plan. Auto insurance plans tend to follow the vehicle, not the driver. So even if your friend causes the car accident, the third party liability coverage on your policy should still protect them.

Driving without insurance in Cardston - or anywhere in Alberta, for that matter - is illegal. Thus, the consequences are serious. According to the Government of Alberta, drivers who are caught driving without insurance can face fines worth tens of thousands of dollars, vehicle impoundment, the suspension of their driver’s licence, and even jail time, if they are unable to pay the fines incurred. Given the serious trouble you can get in if you choose to drive without car insurance in Cardston, purchasing valid coverage is extremely worthwhile.

The cost of car insurance in Alberta averages $1,500 per year or $125 per month. However, you could end up paying more or less than this depending on your circumstances and the type of policy you choose. The more coverage you select for your policy, the more expensive it is likely to be. The same goes if you choose low deductible amounts or high coverage limits. Your age, driving history, claims history, the type of car you drive, and your annual mileage can also impact how much you pay for car insurance in Cardston. This is why auto insurance rates differ so much between drivers.

To legally drive in Cardston, you will need to purchase a policy that contains $200,000 in third party liability coverage. Liability coverage is one of the most important types of car insurance out there. It protects drivers if they get into an accident that they were responsible for. That said, $200,000 in liability coverage may not be enough to cover the damage resulting from the accident if you get into a major collision. For this reason, you will find that many Cardston drivers choose higher coverage limits.

For example, $500,000 or even $1,000,000 are popular coverage amounts for third party liability car insurance in Alberta. Whatever you do, just make sure that you meet the provincial government’s minimum coverage requirements, as if you don’t, you could be charged with uninsured driving, which can lead to serious fines and jail time.