Are you looking for auto insurance in St. Albert? Are you not sure where to start?
Getting the right car insurance coverage for your unique needs is not as simple as jumping on the first quote you receive – you may end up with inadequate coverage!
For drivers in St. Albert with excellent driving records, ARC Insurance Brokers offers top-notch insurance rates and packages for our valued clients.
We are dedicated to meeting your car insurance needs to ensure that you are protected from a potentially devastating financial loss.
Keep reading to learn more about car insurance options in St. Albert and how you can get started with the perfect insurance package:
What Car Insurance Do I Need?
In Alberta, all drivers must have a basic form of car insurance which includes accident benefits and third-party liability.
However, opting out of certain coverage options just to save money can cost you more if the unexpected happens.
To protect yourself without overpaying for auto insurance in St. Albert, it’s important to understand your car insurance options to ensure you have the right coverage to meet your needs.
Car insurance can be confusing, but here are some of the coverage options you should consider:
Liability Coverage
Personal liability coverage is a crucial factor to consider when choosing a car insurance package.
In fact, liability coverage is required by the province of Alberta for all drivers.
Liability coverage includes two types of coverage:
- Bodily Injury: This covers any expenses associated with injuries sustained by a third party in an at-fault accident, including medical expenses and lost wages.
- Property Damage: Liability coverage will also pay for any damages caused to someone else’s personal property during an accident, including their car, house, etc.
Overall, liability insurance provides you with protection against any damage you inflict on other people and their property – but it doesn’t cover your own damage.
Accidents and Vehicle Damage
If you are looking for auto insurance in St. Albert, you’ll need more than liability coverage to protect yourself and your vehicle.
When an accident or damage occurs, and it’s not your fault, the other driver’s insurance is responsible for repairing any damages.
However, if it is your fault, you need additional insurance to help you repair or replace your vehicle.
There are three types of insurance policies that you should include in your insurance package:
- Collision Coverage: Collision coverage pays for damages caused by an accident.
- Comprehensive Coverage: This coverage pays for damages related to situations that are not accidents, such as natural disasters, vandalism, and theft.
- All Perils Coverage: All perils coverage combines collision and comprehensive coverage.
Collision coverage will also cover you if you are the victim of a hit-and-run accident.
Deductibles Versus Premiums
Premiums are the amount of money you pay for your car insurance package. This is based on a yearly amount, but most drivers opt to pay the premium on a monthly basis.
A deductible is the amount you pay out of pocket on a claim before the rest is covered by your insurance company.
For example, if you have a $500 deductible for your collision coverage and the damage to your vehicle comes to $5000, your insurer will pay $4500 to repair your car, but you have to pay the remaining $500.
Both comprehensive and collision coverage include deductibles.
If the cost of the damage is lower than your deductible, you may not need to file a claim with your insurance company.
Driving Records and Insurance Rates
Your insurance premium can be higher or lower depending on your deductible amount. The higher the deductible, the lower your insurance rates.
Other factors that can determine your insurance premiums include your age, your driving record, and the type of vehicle you drive.
Overall, the cost of auto insurance for St. Albert drivers is based on your level of risk.
Car Insurance Quotes St. Albert
Choosing the right auto insurance package starts with getting car insurance quotes from St. Albert insurance providers.
Just keep in mind that the lowest price does not guarantee the best coverage!
At ARC Insurance Brokers, we know that wrapping your head around car insurance can be complicated and confusing, but we believe it doesn’t have to be.
Our insurance agents in St. Albert are here to provide you with the best insurance rates by getting a wide range of combined auto and home insurance quotes from leading Alberta insurance companies.
Our quotes are quick, secure, and easy to complete. You can talk directly to one of our experienced brokers or complete our online form.
Either way, our team will compile accurate insurance quotes from multiple companies to ensure that you have the best insurance coverage to suit your unique needs!
Why Use a Local St. Albert Auto Insurance Broker
In 2022, ARC Insurance Brokers opened their office in St. Albert, Alberta, and we have enjoyed every moment of serving our clients in this beautiful community!
By using a local St. Albert auto insurance broker, you are receiving personalized service from a team of experts who understand the local insurance market, from federal requirements to local coverage rules.
Having your insurance representative within your community means that you are not dealing with a faceless voice on the phone.
They are a member of your community that takes the time to get to know you, your family, and your needs.
Local St. Albert auto insurance brokers are ready and available to answer your questions more quickly and easily than corporate offices!
Auto Insurance in St. Albert – Let’s Get Started Today!
Instead of calling around for hours to get insurance quotes, contact ARC Insurance Brokers for quick, expert, and unbiased advice from a local broker who has your best interests at heart.
Leave the hard work to us! We strive to make getting insurance a better experience for you.
Get in touch with our local St. Albert auto insurance brokers today to get started.
