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How to Compare Car Insurance Quotes in Edmonton
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CarGenie Can Help You Find Cheap Auto Insurance in Edmonton!
Edmonton drivers pay the highest insurance premiums compared to Alberta's other cities. Edmonton insurance premiums are 5% higher than in Calgary and 15% higher than in Fort McMurray. But you pay the highest rates for car insurance in Edmonton. So, can you find cheap car insurance in Edmonton? Well, there is.
Comparing auto insurance rates from multiple providers can help you find affordable auto insurance in Edmonton. You can shop for the car insurance market at Car Genie. All you need to do is enter your postal code and a few details to find the best auto insurance quotes. Besides, it is quick, simple, and straightforward.
Our insurance agents can help you find the best car insurance coverage tailored to your needs. Contact us today to find cheap auto insurance in Edmonton.
Who Shops for Auto Insurance in Edmonton, Alberta?
In Edmonton, Alberta, all drivers, including seniors, students, and high-risk drivers, shop for auto insurance. 63% of males and 37% of females in Edmonton buy car insurance in Edmonton. Furthermore, the average age of auto insurance shoppers in Edmonton is 34.
How to Find the Cheapest Car Insurance in Edmonton
There is no alternative to experience and a clean driving record to find the cheapest car insurance in Edmonton. Nonetheless, sticking to the following tips can help you get cheap auto insurance in Edmonton:
Install Winter Tires: You can expect snowfall in one of the coldest cities, Edmonton, from late May to early October. Moreover, installing winter tires in your car can help you qualify for up to a 5% discount.
Drive Less: Insurance companies consider annual mileage and daily commute to calculate your premium. So, drive less to lower your mileage and save on insurance.
Install Anti-Theft Systems: Installing anti-theft features, such as an approved car alarm and GPS tracker, in your vehicle can protect it against theft and, most importantly, lower your premiums.
BundleY our Policies: Bundling your policies from the same provider, such as car and home insurance, can help you save on auto insurance.
Take an Advanced Driving Course: If you are a young driver under 25, we recommend you take an advanced driving course. You will eventually qualify for affordable premiums with a driving license and a clean driving record for six consistent years.
Capitalize on Usage-Based Insurance (UBI): Signing up for UBI can help you avail yourself of greater discounts by monitoring your driving habits.
Ask for Discounts: You may be eligible for discounts if you are an alumni of the University of Alberta or a union member. So consider asking your provider for eligible discounts.
Shop Around: Compare car insurance quotes from top auto insurance providers in Edmonton to find the best rates for car insurance.
Contact CarGenie: Contacfor a customized and affordable car insurance policy tailored to your needs.
Factors That Affect Car Insurance Premiums in Edmonton
When it comes to determining auto insurance premiums in Edmonton, there are factors that providers consider. The following are some of the major factors that can affect your car insurance premiums in Edmonton:
Driving Experience
Younger drivers, in general, pay more premiums when buying insurance because of inexperience. On the other hand, long-term driving experience with a clean driving record helps drivers lower their insurance premiums.
Location
The place where you live in Edmonton will also affect your insurance premiums. As an example, drivers in higher-density areas with more traffic and the risk of high crime rates pay higher premiums.
Driving Habits
The more you drive in Edmonton, the more you are going to pay for car insurance. In addition, keeping your driving record clean and staying safe can help you lower your premiums.
Vehicle’s Make and Model
The make and model of your vehicle are also going to impact your premium. Vehicles with greater safety features reduce premiums, and expensive cars increase premiums as the latter are costly to repair.
Gender
Unfortunately, younger males are considered riskier drivers than younger females. So, they usually pay more than their counterparts.
Your Insurance Provider
Based on your provider, insurance rates can fluctuate. Besides, your provider may offer discounts if you have an excellent long-term relationship with your provider.
Mandatory Car Insurance Coverage in Edmonton
If you live in Edmonton and drive, you need to buy car insurance. Besides, purchasing car insurance in Edmonton is required by the law as it is throughout Canada. In addition, there is mandatory auto insurance, which you must buy mandatory car insurance coverage to drive in Edmonton, that covers the following:
Third-Party Liability - If you are at fault in the event of an accident, third-party liability coverage will cover your legal costs. You must have at least $200,000 in third-party liability insurance. However, you can increase your benefit with this coverage up to $2 million.
DCPD(Direct Compensation Property Damage) - This coverage will cover the cost of repairing or replacing the vehicle, provided that you are not at fault in the event of an accident
Accident Benefits - Accident benefits will cover your medical expenses up to $50,000, which Medicare won’t. You can increase your accident benefits to more than $50,000 at an extra cost. This coverage will also cover some funeral expenses plus provide you with income replacement in circumstances of disability.
Optional Car Insurance Coverage in Edmonton
Optional car insurance coverage for Edmonton drivers includes the following:
Collision - This optional coverage will compensate for repairing or replacing your damaged car with an accident you are responsible for.
Comprehensive - This optional coverage will compensate when your vehicle encounters damage by something other than collision, like a falling tree, vandalism, etc
All-Perils - All-perils is an optional coverage that combines collision and comprehensive coverage.
Specified Coverage - This optional coverage covers you for insurable perils you specify and only against what you specify in your policy. It works, similar to la carte insurance
Furthermore, you can add insurance endorsements (optional coverage) to add or remove your insurance overage. For instance, a “loss of use” endorsement will provide you with compensation for an alternative transport to a limit when your car is not in any condition to drive.
How Much Does Car Insurance Cost in Edmonton, Alberta, On Average?
Statistics from 2020 reveal that Edmonton's average car insurance rates were 85 percent higher than throughout Alberta. Edmonton's average auto insurance rates surpass Calgary and Fort McMurray, respectively. Comparing rates of different auto insurance providers is the simplest way to find the cheapest car insurance in Edmonton.
No Matter if You're an Experienced or a New Driver in Edmonton, CarGenie Has Something for Everyone
At CarGenie, we understand Edmonton drivers, including seniors, students, and others, want to feel secure on the road. For the same reason, our team is dedicated to helping customers find affordable car insurance in Edmonton. We ensure our customers get savings with auto insurance without compromising on our service quality.
Discounts maximize savings for drivers with safety features, such as antitheft systems and winter tires. Whether you are a safe, high-risk, or experienced driver, we can help you find the right insurance policy to save on auto insurance.
CarGenie Provides Complete Coverage & the Lowest Rate Search
Drive a minivan, delivery truck, or a luxury car in Edmonton? No matter what vehicle you drive, we can help you find auto insurance coverage at the lowest rates. At CarGenie, we help you find complete coverage to protect your cars. Coverage options we provide include liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
Liability coverage protects you from at-fault accidents. Collision coverage will protect your car in the event of a collision. Comprehensive coverage will protect you in non-collision instances, like theft, fire, etc. Moreover, uninsured/underinsured motorist coverage covers you in the event of an accident with a driver without enough auto insurance coverage.
Knowing and understanding your situation, we can help you find cheap car insurance in Edmonton.
We Guarantee Affordable Auto Insurance in Edmonton
Tailored to Your Needs: Personalized Car Insurance in Edmonton
A little distraction from the road or a small scar of ice can lead your car to collide in Edmonton. By law, drivers in Edmonton need a minimum of $200,000 worth of Personal Liability and Property Damage(PLPD) insurance. Nevertheless, finding cheap auto insurance in Edmonton is challenging, as insurance premiums are the highest in Alberta.
At CarGenie, our team of insurance underwriters guarantees affordable rates for auto insurance in Edmonton. We can help you find cheap car insurance tailored to your needs to protect you and your vehicle.
FAQs
Still have questions, reach out, we would love to answer them!
How Can I Find The Cheapest Car Insurance in Edmonton?
The easiest and the quickest way to find the cheapest car insurance in Edmonton is comparison. That is, you compare car insurance rates from different providers in Edmonton. In addition, you or other Edmonton drivers can ask their providers if they are eligible for discounts. Besides, discounts are available for experienced Edmonton drivers, bundling policies, and installing anti-theft vehicle systems.
Why Does Auto Insurance in Edmonton Cost More Than Other Cities in Alberta?
Edmonton has a lot to offer its residents and visitors. Plus, it is the capital of Alberta, with a population of around $1 million. Due to its dense population with more cars, it has more collisions, thefts, and insurance claims. Consequently, getting cheap auto insurance in Edmonton becomes challenging, and drivers pay more for car insurance.
Is Ride Sharing Insurance Available in Edmonton?
Ridesharing is available in Edmonton, a large metropolitan city with companies like Uber, Lyft, etc. We are providing it. Many companies offer insurance coverage to their drivers. However, if you choose to become a driver for a ridesharing company in Edmonton, you must inform your insurance provider of your plan.
Otherwise, you will void your car insurance policy. Not to mention, having one car insurance policy is a prerequisite for ride-share drivers.
Can I Get Month-to-Month Car Insurance in Edmonton?
No, as in Alberta, you cannot get month-to-month car insurance (a temporary option) in Edmonton. Currently, there are not any providers in Edmonton and throughout Alberta offering car insurance for less than a six-month term.
How much can you save with CarGenie in Edmonton?
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