What documents do I need for car insurance? Insurers typically need your driver’s licence, vehicle details such as the VIN and registration information, your address, driving history and information about anyone else who will drive the vehicle. You may also be asked for your current insurance details or claims history. Having this information ready can […]
Read MoreWhich vehicles are most likely to be stolen in Alberta? Theft trends change over time, but commonly stolen vehicles tend to be models that are popular, valuable, easy to resell or targeted for export. A vehicle’s theft frequency can influence comprehensive insurance costs. Drivers should use current theft data when assessing risk and consider anti-theft […]
Read MoreThe Automobile Insurance Rate Board (AIRB) completed its 2017 Annual Review process which ultimately determines if auto insurance rates are going to increase or decrease in the upcoming year. The group reviews both personal and commercial vehicle policies for industry losses and determines trends that may affect pricing moving forward. Alberta’s Private Passenger Rate History […]
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What is third-party liability car insurance? Third-party liability coverage helps protect you financially if you are legally responsible for injuring someone or damaging their property with your vehicle. It can help pay covered damages and legal defence costs up to the policy limit. Alberta drivers are required to carry a minimum amount of liability insurance, […]
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Luxury cars cost more, right? Right– for the most part, that is… Insurance policies are built on dozens of complex factors and each factor has its own individual complexities. This can mean different drivers in identical cars can have as disparate rates as identical drivers in different cars. It’s a confusing system, but it has […]
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What questions should you ask about car insurance? Ask what coverages are mandatory, what liability limit is appropriate, how deductibles work, which optional coverages are included and what exclusions apply. You should also ask about discounts, accident forgiveness, rental-car protection and how claims may affect your premium. Comparing answers across insurers helps you understand whether […]
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A warm summer evening on the Canadian Prairies is the perfect time to take the cover off your cherry whip and go for a cruise. Whether you inherited it, bought it or rebuilt it- you put a lot of work in to keep your vintage vehicle in mint condition. Don’t gamble with your investment, let […]
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Is car insurance mandatory in Alberta? Yes, vehicles driven on public roads in Alberta must have valid auto insurance, including the mandatory coverage required by the province. Driving without insurance can result in significant fines and leave you personally responsible for damage or injuries you cause. A lapse can also make future insurance more expensive […]
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How can you lower your car insurance premium? You may be able to reduce your auto insurance cost by maintaining a clean driving record, comparing insurers, bundling policies, increasing your deductible, limiting optional coverage on lower-value vehicles and asking about available discounts. Your vehicle, location and annual mileage also affect your premium. Avoid reducing essential […]
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What should you do after a car accident in Alberta? Move to a safe location if possible, check for injuries, call emergency services when required and exchange information with the other drivers involved. Take photos, gather witness details and report the collision as required, then notify your insurer or broker promptly. Avoid admitting fault at […]
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