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CarGenie Can Help You Find Cheap Car Insurance in Calgary!
Alberta's auto insurance rates are the highest after Ontario and British Columbia, so finding the cheapest car insurance in Calgary, the largest city in Alberta, is challenging.
Nevertheless, there are still ways Calgary drivers can find affordable auto insurance rates. The simplest and quickest is to compare rates from top providers.
At CarGenie, you can easily compare the car insurance market to find cheap car insurance in Calgary. We can help you find an affordable auto insurance policy in Calgary customized to your needs and situation.
Who Shops for Car Insurance in Calgary, Alberta?
In Calgary, Alberta, different types of drivers, including safe and high-risk drivers plus seniors, shop for car insurance. The majority of auto insurance shoppers in Calgary are males. There are 65 percent of males and 35 percent of females in Calgary who shop for auto insurance. In addition, the average age of car insurance shoppers in Calgary is 35 years.
How to Find the Cheapest Auto Insurance in Calgary
There is no substitute for driving experience with a clean driving record to lower car insurance premiums. Still, some ways can help you achieve cheap car insurance in Calgary, such as:
Shop Around: You can shop the car insurance market and compare quotes from car insurance providers. It can help you find affordable car insurance in Calgary.
Buy Coverage You Need: To lower your premiums, avoid extra fees in your insurance policy and buy only the coverage you need.
Make Payments on Time: Paying your insurance provider on time can help you lower your premiums and save on insurance. Not to mention, insurance companies like good customers.
Bundle Up: Bundling up your car insurance policy with a motorcycle or other types of insurance can lower your rates, too.
Drive Safely: Install safety features in your vehicle that can lower your premiums, such as winter tires and alarm systems.
Stick with One Provider: Most car insurance companies offer discounts to customers who stay with them for several years(long-term).
Take a Driving Course: A defensive driving course can make you a better driver. Most importantly, it can help you reduce your auto insurance rates.
Choose the Right Car: When you buy a car, check its crash-test scores, theft ratings, and engine power. Vehicles with high crash test scores, low theft ratings, and less powerful engines usually have lower premiums.
Get in Touch with Car Genie: In Calgary, you can contact CarGenie for a personalized yet affordable car insurance policy tailored to your needs.
How Does Car Insurance Work for Different Types of Drivers in Calgary?
Car Insurance for Seniors
Adults between 50 and 70 usually pay Calgary's lowest car insurance premiums. Why? Because seniors in this age group often have a long insurance history with the same provider. However, car insurance rates in Calgary for seniors after age 70 slightly increase, as they are not considered safe drivers.
Car Insurance for Students
On average, young people, including students, pay the highest car insurance premiums. However, their premiums start declining in the mid-twenties with good driving habits if they have been insured since age 16. Nevertheless, insurance companies offer discounts on car insurance to students who maintain a certain GPA (Grade Point Average).
Car Insurance for New Immigrants
New immigrants must also buy car insurance in Calgary and have a proper driving license. Otherwise, they cannot lawfully drive in the capital of Alberta. In addition, they can secure low rates if they provide proof of their past insurance with a good driving history to their car insurance provider in Calgary.
Car Insurance for High-Risk Drivers
If you have several traffic tickets, car insurance companies consider you a high-risk driver. It is hard for high-risk drivers to find cheap auto insurance rates in Calgary. Still, some insurance companies offer car insurance catering to high-risk drivers. If high-risk drivers fail to find car insurance, they can purchase facility insurance for their coverage in Calgary.
Mandatory Car Insurance Coverage in Calgary
Live in Calgary and drive? If you do, you must also purchase car insurance in Calgary because the law requires it. Besides, there is mandatory car insurance, which you must buy as a Calgary driver.
Mandatory car insurance coverage for drivers in Calgary covers the following as a standard:
Third-Party Liability - Third-party liability coverage covers legal expenses when you are sued for damages you cause with an at-fault accident. Moreover, you must carry at least $200,000 of third-party liability insurance, which you can increase up to $2 million.
DCPD(Direct Compensation Property Damage) - DCPDcovers repairs to your car in the event of a covered accident when you are not at fault. With this coverage, your insurance company provides compensation. In addition, it does not require you to deal with the insurance provider of the driver at fault.
Accident Benefits - This coverage will cover your medical expenses up to $50,000, which Medicare won’t cover. Accident benefits coverage also covers funeral expenses and loss of income.
Optional Car Insurance Coverage in Edmonton
Optional car insurance coverage for Calgary drivers includes the following:
Collision - Collision coverage provides you with compensation for repairing or replacing your car with an at-fault accident. In addition, making a collision claim can increase your premiums except if you purchase accident forgiveness, which ensures your premiums won’t increase with the first at-fault accident.
Comprehensive - This coverage covers you when your vehicle is damaged by something other than a collision with another car. Insurable perils for this coverage embrace hail damage, falling objects, vandalism, and theft. However, comprehensive coverage won’t affect your premiums when you make a claim.
All-Perils - All-perils is an optional coverage that combines collision and comprehensive coverage.
Specified Coverage - This optional coverage will cover you in events like fire, hail, lightning, and theft. Furthermore, you can consider this coverage like a la carte insurance.
In addition, you can add endorsements (a type of optional coverage) to the policy. However, adding endorsements to your insurance policy will amend the terms of your standard policy. Some of those endorsements include loss of use, accident rating waiver, and family protection.
How Much Does Car Insurance Cost in Calgary, Alberta Cost On Average?
According to data from the Insurance Bureaus of Canada, Alberta's average car insurance premium is $1,514. On average, young and high-mileage drivers pay more for car insurance in Calgary. We recommend you request quotes to get an accurate estimate for auto insurance prices in Calgary. Besides, it is easy, and it does not take much time.
Auto Insurance Rates in Calgary Compared to Other Cities in Alberta
Drivers in Alberta, including Calgary, pay less than they pay in Ontario and BC. Still, finding cheap car insurance in Calgary takes work. Calgary is among Alberta's five most expensive cities to purchase auto insurance.
Moreover, Edmonton, Rocky Mountain House, Camrose, and St. Albert are the most expensive cities in Alberta to purchase car insurance compared to Calgary.
In addition, many people in Calgary use Car Genie to compare auto insurance quotes and find the lowest rates. Where you live in Calgary is an important factor that impacts car insurance premiums.
Other factors affect auto insurance rates in Calgary. Still, your postal code (where you live) is the most important factor, but it is only one of many.
Affordable Car Insurance in Calgary.
Driving carelessly in Calgary can lead to an accident or collision. You should adhere to good driving habits to drive safely in Calgary. Furthermore, save on car insurance when buying auto insurance in Alberta. Unfortunately, you have some of the highest premiums in Calgary, Alberta.
Nonetheless, there are ways to find affordable car insurance in Calgary. Contacting us can help you find the lowest rates.
At CarGenie, we help find the cheapest car insurance in Calgary, bespoke to your needs to protect you and your car.
Auto Insurance Tips to Protect Your Vehicle in Calgary
Auto insurance needs vary for Calgary drivers based on where they live. Unpredictable weather conditions make it essential for drivers to have more than mandatory car insurance. The following are some auto insurance tips to protect your car in Calgary:
Increase Third-Party Liability - Most drivers in Calgary carry $1 million in third-party liability, and you may, too.
Add Comprehensive Coverage to Your Policy - You can add comprehensive coverage to your car insurance policy. It will help you protect your vehicle against the wind, hail, and flooding, in addition to flying objects.
Have Windshield Protection - Frigid temperatures and flying rocks are a peril to your windshield, so make sure your vehicle has windshield protection
Frequently Asked Questions
Where Do I Get Cheap Auto Insurance Quotes in Calgary?
Various factors contribute to your car insurance premiums, some of which are out of your control. For example, insurance companies set prices based on their loss ratios. Besides, the loss ratio means what providers pay out annually in claims compared to their annual revenue.
However, one of the fastest ways to find cheap car insurance is to compare quotes from different providers. You can compare car insurance quotes at CarGenie while shopping the car insurance market.
What Are Some Good Tips for Driving Safely in Calgary?
The following are some good tips for driving safely in Calgary:
- Install snow or winter tires in Calgary when you drive in winter. Besides, it can help you lower your auto insurance rates and avail yourself of cheap car insurance in Calgary.
- Make sure you drive cautiously at Deerfoot Trail and 16th Avenue; the most dangerous intersection in Calgary.
- Do not use your cell phone while driving, as traffic law prohibits texting and emailing when you are driving.
Why Is Auto Insurance in Calgary More Expensive?
Calgary drivers pay some of the highest insurance premiums in Canada because Calgary is a major city with a large traffic volume and unpredictable weather conditions. Driving in Calgary also increases the risk, which leads to more expensive auto insurance.
In addition, Calgary has one of the highest instances of vehicle theft in Canada. The easiest way for drivers to find cheap or affordable auto insurance in Calgary is by shopping the car insurance market.
Can Credit Affect Auto Insurance in Calgary?
Yes, it can. Poor credit can impact how much you may pay for auto insurance. Insurance providers consider you more likely to miss a payment with it. In addition, poor credit will affect your fees, depending on your situation and provider. Poor credit is not in your favour when finding cheap car insurance in Calgary.
Who Determines Car Insurance Rates in Calgary?
The Automobile Insurance Rate Board (AIRB) is responsible for setting auto insurance rates in Calgary. AIRB sets the maximum premiums insurance providers can charge based on the Grid Rating System.
How much can you save with CarGenie in Calgary?
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