Why purchase Wetaskiwin car insurance?
Why should Wetaskiwin drivers buy car insurance? The answer is simple: for peace of mind. Car insurance provides unparalleled financial protection, allowing drivers to rest easy knowing they’re covered as they travel from point A to point B. The following is a list of some of the top reasons Wetaskiwin residents choose to purchase car insurance.
You’re protected in the event of a collision
The reality is that car accidents happen, even to the most responsible of drivers. In addition to being dangerous to your health, collisions can also result in property damage. Repairing a vehicle can be expensive, but if you have car insurance, then it will help cover the costs. Whether you get into a minor fender bender or a full-blown accident, your insurance provider will provide compensation to pay for the cost of repairing or replacing your damaged car.
You’re protected in the event of theft
Depending on the auto insurance policy you choose, it may provide coverage against theft. This means that if your vehicle is stolen, you can recover money from your insurance provider to help cover the costs of buying a new one. Without insurance, you would be left paying for a new vehicle entirely out-of-pocket.
You’re protected in the event of injury
If you get in a serious collision, then chances are you, a passenger, or another driver will suffer an injury. The medical costs associated with injuries can be expensive, whether you have health insurance or not. To help pay medical bills associated with prescription medication, physical therapy, or long-term rehabilitation, having car insurance comes in handy.
You’re not in breach of the law
Last but not least, Wetaskiwin drivers choose to buy car insurance because they understand that failing to do so is illegal. Since car insurance is mandatory in Alberta, driving without insurance or with expired insurance puts you at risk of getting caught and fined up to $10,000 for a first offence and up to $20,000 for a second offence. Thus, one final reason to purchase Wetaskiwin car insurance is that it means you’re in compliance with the law.
Is auto insurance required in Wetaskiwin, Alberta?
Auto insurance is mandatory everywhere in Alberta, including Wetaskiwin. This type of insurance is provincially regulated, which means each province and territory gets to decide whether it’s required. In Alberta, the government has done just that. Therefore, to register your vehicle, you must show proof of valid, adequate insurance.
What we mean by adequate insurance is insurance that meets the minimum requirements set by the province. For example, the provincial government in Alberta has stipulated that all drivers must purchase policies with a minimum of $200,000 in third-party liability coverage.
Can I drive without car insurance in Wetaskiwin?
Car insurance is a legal requirement in Alberta. Therefore driving without insurance in Wetaskiwin is illegal. If caught driving without an up-to-date insurance policy that meets the minimum coverage requirements set by the Alberta government, you could face severe fines.
More specifically, uninsured motorists in Wetaskiwin could be charged a maximum of $10,000 for a first offence and a maximum of $20,000 for a second offence. Failure to pay your fine can result in jail time of up to 6 months.
Therefore, we think most Wetaskiwin drivers will agree that driving without car insurance is not worth the risk. So if you’ve been driving a vehicle without car insurance, or with expired insurance, get in touch with BrokerLink today. We can help you compare coverage options, answer any questions you may have about Alberta auto insurance, and ensure you find a policy within your budget that complies with provincial law.
How auto insurance premiums are calculated
When calculating insurance premiums, car insurance companies account for several factors. Wetaskiwin drivers may find it useful to understand which details determine the cost of car insurance. The following is a list of the most common factors that influence how much Alberta drivers pay for auto insurance:
- Driving record
- Driving experience
- Location (where you live and work)
- Make, model, and year of the vehicle
- Past claims
- Annual mileage
- Prior insurance coverage
- Your deductible
- Local laws
- How you use your vehicle
- Marital status
Tips for saving money on Wetaskiwin auto insurance
Car insurance costs Alberta drivers an average of $1,300 each year. If you hope to find a policy that costs you less than the average, there are several things you can do. With the help of BrokerLink’s expert insurance advisors, we’ve created the following list of tips for finding cheap Wetaskiwin auto insurance:
- Attend driving school (for young drivers)
- Pay car insurance annually rather than monthly
- Purchase car insurance for multiple vehicles from the same provider (savings of up to 20%)
- Buy multiple insurance policies (home insurance + car insurance, business insurance + car insurance, etc…) from the same provider (savings of up to 15%)
- Increase your deductible
- Purchase a hybrid or electric vehicle (savings of up to 5%)
Compare car insurance quotes with a Wetaskiwin insurance broker
To find the car insurance policy with the best coverage at the most affordable price takes hard work. With so many car insurance companies competing for your business, obtaining and comparing quotes can be incredibly time-consuming. But BrokerLink is here to help.
For those that don’t know, brokers like us work for the customer, not the insurance companies. This means that you will be our top priority, every step of the way.
We do all the heavy lifting when it comes to shopping for car insurance. So while you’re relaxing at the cottage or binge-watching your new favourite Netflix show, we’ll be working tirelessly to find your perfect car insurance policy.
By working with a trusted broker like BrokerLink, you’ll have a skilled professional by your side from beginning to end. Each of BrokerLink’s insurance advisors is an expert in the field of car insurance. They know the ins and outs of the industry and can offer their objective opinion as to the best policy for you and your family.
Overall, if you’re looking for a stress-free car insurance experience, look no further than BrokerLink. We are always happy to share our resources and expertise to help our customers find car insurance policies that meet their needs.
Contact us to receive a free quote today
Ready to take the plunge and purchase Wetaskiwin car insurance, or do you still have questions about how car insurance works? We’ve got your back.
BrokerLink is eager to be your go-to resource for all things car insurance. Our friendly insurance advisors are always available to discuss your coverage options and won’t stop working until you walk away satisfied.
Whether you’re a new driver buying their first car insurance policy, or a seasoned professional whose current policy is about to expire, BrokerLink is here.
So what are you waiting for? Give us a call and speak directly to a broker today, or visit us in person at one of our many locations across Alberta. Alternatively, if you’d prefer to contact us online, you can do so at a time that is convenient and we’ll get back to you as soon as possible.
Finally, if you wish to take advantage of our online car insurance calculator, you can do so with ease.
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