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Matt Hands, Sr. Business Unit Director
Edmonton is the capital of Alberta and the 2nd largest city in the province. Due to its recent population surge, the roadways are getting busier causing more congestion.
The average annual car insurance premium in Edmonton is just shy of $1,500, but with the recent removal of 5% cap increases in Alberta, rates are beginning to soar making it a great time to shop around for car insurance quotes.
Whether you’re driving on 101 Street or the Capilano bridge, rush hour traffic and heavy road construction can lead to difficult commutes which creates the potential for more collisions. At Ratehub.ca, we help the people of Edmonton shop for the best car insurance rates in just minutes to suit their budget and preferences.
Edmonton 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 car 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 Edmonton car insurance coverage is broken down into two categories - mandatory and optional.
Mandatory Edmonton auto insurance coverage includes:
- Third-party liability
- Accident benefits
- Direct Compensation Property Damage (DCPD)
Optional Edmonton 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 Edmonton 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 Edmonton insurance quotes and uncover the savings
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How to get cheap car insurance in Edmonton
Shop and compare
Research which company provides cheap car insurance in Edmonton, and also the best value for you and your vehicle. Rates may change up to four times a year, but lucky for you comparing Edmonton car insurance quotes with us is free.
Stay with your current insurer
Some Edmonton 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 Edmonton 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 more
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