Basic car insurance in Vauxhall, Alberta
With so many types of auto insurance out there, knowing what to include with your policy can be difficult. So let’s start with basic coverage. In Alberta, your car insurance plan must include each of the following coverage types:
Third party liability coverage
Liability car insurance is designed to cover drivers who cause car accidents. In other words, if you make a mistake and accidentally crash into another vehicle on the road, liability insurance can pay for the associated costs, which may include repair fees, legal fees, or medical fees.
Accident benefits coverage
Accident benefits coverage can compensate policyholders for medical expenses incurred if they are involved in an accident that causes bodily harm. Whether it was the policyholder or someone else in the accident who was injured, accident benefits can cover medical expenses like rehabilitation or physical therapy, as well as loss of income and funeral fees, if applicable.
Direct compensation - property damage coverage
Direct compensation - property damage coverage will pay for your vehicle to be repaired, less your deductible, if it is damaged in an accident that was not your fault.
Uninsured motorist coverage
Uninsured motorist coverage will protect drivers if they fall victim to a hit and run and thus never learn the identity of the other driver. Similarly, it can protect drivers who get into accidents with drivers who do not have insurance or do not have adequate insurance.
Extra car insurance protection for Vauxhall drivers
Some Vauxhall drivers might find that basic auto insurance is not enough. Instead, they might require extra protection. Luckily, insurance companies have lots of optional coverages that Vauxhall motorists can pick and choose from - and BrokerLink is here to help you decide which ones make sense for your needs. From collision coverage to accident forgiveness coverage, keep reading to learn more about some of the most popular forms of extra protection:
Collision car coverage is the first type of optional auto insurance coverage worth considering if you drive in Vauxhall. This coverage will pay to repair your vehicle if it is damaged in a major accident. The accident may have been with another vehicle, a pedestrian, or a grounded object on the road, and you can still claim this type of coverage.
Comprehensive car coverage is a second type of optional coverage that many Vauxhall drivers find to be beneficial. It is also known as parked car insurance because it can reimburse policyholders whose vehicles are lost or damaged while parked. Specifically, you can receive compensation from your insurance company if your car is damaged by an insured peril. Insured perils for comprehensive car coverage typically include theft, vandalism, water damage, falling objects, wind, and fire.
Accident forgiveness coverage
One more type of optional car insurance coverage popular among drivers in Vauxhall is accident forgiveness. 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 and eligibility varies by province.
How are car insurance rates calculated in Vauxhall?
If you want to know how insurance companies calculate car insurance rates in Vauxhall, all you have to do is read the list below. While the BrokerLink team does not set rates, we know a thing or two about how insurers calculate them. Insurance companies’ algorithms usually include a plethora of factors, including those listed below:
- Where you live (and where you regularly commute)
- Model, make, and year of vehicle
- Past claims
- Average mileage
- Driving experience
- Driving record
- Insurance history
- Deductible amount
- Regulatory bodies
- How you use your vehicle
Are you interested in receiving a free car insurance quote in Vauxhall? Contact BrokerLink today. We offer complimentary auto insurance quotes to all customers. When you get in touch, simply ask us for a free quote, answer a few questions, and receive a quote in minutes. It’s that easy. You can even get started now by using BrokerLink’s online quote tool.
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Become a better driver with these safe driving tips
There are so many benefits of driving safely. First, it makes you less likely to get into a car accident, which as we all know, can have serious consequences, and second, it can minimize how much you pay for car insurance since your driving record will be clean. To reap these benefits, practice responsible defensive driving by adopting these safe driving tips:
Know the weather that’s in store
Knowing the weather forecast isn’t just important when you’re deciding how to dress for the day, it’s also important when deciding whether to drive. Certain weather conditions make driving far more hazardous, like fog, snow, ice, and heavy rain. So before pulling out of the driveway, check your weather app so that you know what to expect when on the road. If inclement weather is on its way, perhaps delay your errand or, at the very least, adjust your driving habits accordingly. For example, if the roads will be slippery due to rain or snow, drive slowly and use your windshield wipers to increase visibility.
Focus on the cars around you
Anytime you are behind the wheel, it is imperative that you focus 100% on the road. This means keeping track of the other cars around you, as well as any pedestrians. To ensure your eyes remain on the road, put your smartphone somewhere where you can’t see it, and try to avoid eating, drinking, or smoking while driving.
Obey the posted speed limit
Driving the speed limit isn’t just recommended, it’s the law. When driving in Vauxhall, pay attention to all posted speed limits and make sure not to exceed them. There are even times when experts recommend driving under the speed limit. For example, be sure to slow down when driving through a construction zone, in adverse weather conditions, through a busy pedestrian area, or when turning.
Use your signal when merging, turning, or changing lanes
Let other drivers know what you plan to do by using your signal. Whether you’re turning, merging, changing lanes, or even parking, using your signal can be the difference between success and a car accident.
Do everything you can to increase visibility
Increasing visibility is a must at all times. There are several situations in which visibility might be reduced, like at night, on a sunny day, or in fog or snow. Different ways of improving visibility include turning on your high or low beams, wearing sunglasses, using the sun visors in your car, and using your windshield wipers or scrapers to clean all mirrors and windows before leaving the house.
Learn how to file an auto insurance claim in Vauxhall
With car insurance, you can file a claim with your insurance provider if something goes wrong. If your claim is approved, you will receive a payout from your insurer to help cover the costs. But the process of filing a claim with your provider can seem daunting - especially if you have never done so before. That is why the BrokerLink team has put together this guide to submitting a car insurance claim in Vauxhall:
Let your insurance provider know about the accident
Anytime you want to file a claim, you first need to contact your insurance provider. You must inform them of what happened so that they can provide you with further instructions. Prepare to answer basic questions, like the date, time, and location of the accident, as well as what damage resulted from the accident. Once they have this information, they can tell you what type of claim to file and how to proceed.
Collect information to support your claim
To give your claim the highest chance of succeeding, you will need evidence to support it. Gather as much as you can to submit alongside any paperwork that you are required to fill out (more on that below). Supporting information or evidence for a car insurance claim may look like photos and videos of the accident, eyewitness statements, police statements, and the personal and insurance information of the other driver involved.
Fill out any required forms
Many insurance companies require policyholders to fill out a specific form or series of forms in order to submit a claim. Get a hold of these forms, either physically or digitally, and fill them out to the best of your ability. If you have any questions while filling them out, contact your insurance agent or broker.
Work alongside the insurance adjuster
Before the insurance company can make a decision regarding your claim, they will hire an insurance adjuster to review the case. The adjuster’s job is to investigate the claim and make a recommendation to the insurer on whether to approve or deny your claim. In order to make this recommendation, they may have extra questions for you that were not covered on the forms you completed. Thus, you should prepare to hear from the adjuster during this phase. If they have questions, respond respectfully and promptly to ensure a seamless investigation.
Wait for a status update from your insurance company
The last part of the claims process is waiting to hear from your insurance company. When they have made a final decision about your claim, they will contact you - usually by phone or email. At this time, they will let you know if your claim was approved or denied. If it is approved, you will find out how much money you will receive and how long it will take to receive it. The insurer will also let you know how the money will be sent, whether by cheque, direct deposit, or another method.
Ultimately, if you get into a car accident and need to file a claim with your insurance provider, reach out to BrokerLink right away. We can answer any questions you may have about the claims process and give you helpful advice.
We’re in your community
BrokerLink is proud to be a member of the Vauxhall community, today, tomorrow, and every day. Since we were founded in 1991, we have made corporate social responsibility a pillar of our brokerage. What this means is that we not only strive to provide world-class insurance services, but we also aim to get involved in the community and give back however we can. Find out what community initiatives we are currently involved in by reaching out to BrokerLink today.
Alberta Insurance Links
If you’re a member of a group or association, you may be eligible for more discounts.
At Vauxhall BrokerLink, we’re here to help you with any insurance needs you may have. Whether it’s insuring your home, car, business, recreational items, or pets, let us help you find the best coverage possible.
You can reach us by phone, email, or in person by visiting any of our locations across Alberta. No matter how you choose to get in touch, a BrokerLink insurance advisor will be happy to assist you. We also encourage you to take advantage of our free online quote tool that can provide you with a competitive quote in minutes.
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Car insurance Vauxhall FAQs
How do I qualify for a winter tire car insurance discount in Vauxhall?
To qualify for a winter tire car insurance discount, you will need to find out which insurance companies near you offer winter tire discounts. From there, ask how much money you can save by installing snow tires on your car and what conditions must be met to qualify. Ultimately, each insurance company has its own eligibility requirements for winter tire car insurance discounts, so it’s best to contact them directly. Common requirements include that all four winter tires must be the same model or that the customer must install the tires by a certain date in the fall each year and leave them on until a certain date in the spring.
How do I renew my Vauxhall car insurance plan?
Renewing car insurance is not as difficult as it might seem. In fact, more insurers aim to make the process as seamless as possible because they want customers to renew their policies. Thus, many car insurance plans renew automatically, which means you may not need to do anything for your policy to be renewed. You will only need to get in touch with your provider if you don’t want to renew your policy. However, if you are not enrolled in automatic renewals, then you will need to contact your provider before your current term expires to let them know that you intend to renew your policy. At this point, they will inform you of any changes to your premium and give you a new contract to sign. You can also request that changes be made to your coverage, deductibles, or limits. Please note that it is strongly recommended that customers renew their policies before they have expired. While expired car insurance renewal may be possible, it can lead to complications and worse - raised rates.
Will I pay more for car insurance in Vauxhall if I get into an accident?
You might. If you were responsible for the accident, then your insurance company is likely to raise your rates the next time your policy renews. They may stay this way until the collision is no longer on your driving record, which can take up to six years. However, if this was your first at-fault collision and you have accident forgiveness coverage on your policy, then your rates will stay the same. That is the great thing about accident forgiveness - your insurer is not allowed to increase your premium following your first at-fault accident. That said, some conditions apply. For example, some insurers will only let you claim accident forgiveness for minor accidents. Further, if you did not cause the accident you were involved in, then the accident is unlikely to affect your insurance premium. Thus, whether or not your insurance rates will go up following a car accident largely depends on the circumstances of the accident and the types of coverage you have in your policy.
Is auto insurance mandatory in Vauxhall?
If you want to drive in Vauxhall, then yes, it is mandatory. Car insurance is a legal requirement for all drivers in Alberta. Therefore, you must obtain a valid driver’s licence and then purchase car insurance coverage that meets the province's minimum requirements before you can legally get behind the wheel. Mandatory coverage in Alberta looks like $200,000 in third party liability coverage, along with accident benefits coverage and uninsured motorist coverage. If you make the mistake of driving without insurance, you risk serious fines, jail time, the suspension of your licence, and the impoundment of your car.
What are some tips to help me save money on Vauxhall car insurance?
If you’re looking to save money on your Vauxhall car insurance policy, here’s how:
First, experts suggest bundling insurance policies whenever possible. Some of the most common insurance bundles offered by insurance providers are home and auto insurance packages. So if you’re looking for a property insurance policy, whether it’s a standard homeowner’s insurance plan or even a tenant insurance plan, ask about the bundle packages that may be available to you. Recreational vehicle insurance for snowmobiles and ATVs may also be eligible for bundles.
Another option is to bundle multiple auto insurance policies together. This is a great option for any customer who has two or more vehicles in the same household. If you only need a single car insurance plan, there are still ways you can save money. First and foremost, drive safely to maintain a clean driving record. Your driving record is a significant factor that determines your premium. Choosing a yearly payment schedule instead of a monthly one can also save you money, as can picking high deductibles.
Finally, qualifying for car insurance discounts can be a great way to save. Discounts vary between provinces and providers, and they also change regularly, so be sure to ask every time your policy is up for renewal. Some of the most common kinds of auto insurance discounts in Alberta include winter tire discounts, employment-based discounts, education-based discounts, safe driver discounts, anti-theft device discounts, occasional driver discounts, driver’s education discounts, and telematics discounts.
If you have any questions, contact one of our local branches.
More ways to find a great car insurance rate in Alberta