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Matt Hands, VP, Insurance and MoneySense
Calgary is the fifth most populated city in Canada and by extension home to some of the busiest roadways in Alberta.
Calgary is an urban oasis surrounded by the beauty of the Canadian Rockies which makes for a spectacular drive. But rush hour traffic and heavy road construction can lead to difficult commutes and worst of all, high insurance premiums.
At Ratehub.ca, we help the people of Calgary shop for the best car insurance rates in just minutes to suit their budget and preferences. Currently, the average car insurance cost in Calgary is shy of $1,500, but after the removal the 5% cap insurers had for rate increases, Calgary car insurance premiums are soaring.
Calgary operates in a hybrid system between tort and no-fault insurance. No-fault means drivers use their own insurance company regardless of who is at-fault in an accident. A tort-based system allows you to pursue the other driver for damages.
Alberta auto insurance is provided by private insurance companies and is regulated by the Auto Insurance Rate Board (AIRB). AIRB ensures rate increases are substantiated. Simply put, an insurer can't raise rates without prior approval from the regulatory body and is based on their financial records.
Available Calgary car insurance coverage is broken down into two categories - mandatory and optional.
Mandatory Calgary auto insurance coverage includes:
- Third-party liability
- Accident benefits
- Direct Compensation Property Damage (DCPD)
Optional Calgary car insurance coverage includes:
- Collision insurance
- Comprehensive car insurance
- Specified perils
- All perils
There are also optional Standard Endorsement Forms (SEF) which are endorsements you can add to your coverage. Here are 4 common Calgary auto endorsements.
- SEF 101 - covers the cost of a rental vehicle while yours is being repaired or replaced
- SEF 27 - Ports your existing insurance to a rental car or car you borrow
- SEF 39 - Accident forgiveness - insurance won't go up after your first at-fault claim
- SEF 43R - Removes depreciation in calculating the value of your car when settling a claim
Uninsured motorist (MVAC)
Direct Compensation for Property Damage (DCPD)
Emergency roadside assistance
Compare Calgary insurance quotes and uncover the savings
In less than 5 minutes, you can compare multiple quotes from a number of Calgary's top car insurance companies, for free.
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How to get cheap car insurance in Calgary
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Research which company provides cheap car insurance in Calgary, and also the best value for you and your vehicle. Rates may change up to four times a year, but lucky for you comparing Calgary car insurance quotes with us is free.
Stay with your current insurer
Some Calgary car insurance companies will give loyalty discounts to drivers who remain active with them for years. Especially if they add family members or multiple vehicles to their policy.
Bundle your policies
If you use the same insurance company for both your home and auto insurance needs, your insurer will often thank you with a dip in premiums.
Get a multi car discount
If you have multiple drivers and vehicles in the same household, by putting them all on one policy can save you money.
Increase your deductible
Your deductible is the portion you pay when settling a claim before your insurer will pay the rest. If you’re willing to double your deductible, it could save you money.
Ask about discounts
If you’re a member of a large corporation, union, or a school alumnus, it could help you get cheaper Calgary car insurance.
Pay premiums annually, instead of monthly
Paying monthly adds administrative costs to your insurer, so if you’re able to pay in full annually you can lower your premiums.
Maintain a good driving record
If you’re a safe driver, obey the rules of the road and drive according to road conditions you can reduce your chances of an accident. Car crashes stay on your insurance record for up to ten years and can result in higher premiums.
Install winter tires
You can save up to 3-5% simply by adding winter tires to your car.
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Matt Hands, Business Director of Insurance
With 6+ years of experience at Ratehub.ca, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read full bio
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