Compare Cheap Calgary Car Insurance Quotes

Calgary car insurance rates vary from driver to driver. In general, premiums in Calgary tend to be higher than other Alberta cities. The population, amount of traffic, and risk all play a role in how rates are determined by insurance providers.

The best way to know how much your car insurance premium will cost is to a quote from multiple insurers.

The average car insurance premiums in Alberta are about $1,250 annually, or about $105 per month. Since rates tend to be higher in Calgary than in other regions, drivers can expect to pay at or above the average rate for their car insurance premiums.

Car insurance in Calgary is divided into two types of coverage :

Mandatory Auto Insurance Coverage

Drivers are required to have a mandatory amount of coverage. At a minimum, you must carry $200,000 in third party liability and accident benefits coverage. Mandatory coverage is determined using the grid rating program.

Optional Auto Insurance Coverage

The majority of drivers in Calgary have more than the minimum car insurance. Optional coverage rates do not apply to the grid rating system. Drivers are free to get quotes for optional or additional coverage. The amount of optional coverage you get is up to you.

Insurance coverage needs vary based on where you live in Calgary. Unpredictable weather makes it important have more than the basic amount of coverage required to legally drive in Alberta.

• Increase third party liability coverage : Most drivers in the province carry $1 million in third party liability coverage.
• Get comprehensive coverage : Get added coverage to protect your vehicle against wind, hail, flooding, and flying objects.
• Make sure you have windshield coverage : Cracked or chipped windshields are common in Calgary. Frigid temperatures and flying rocks are threats to your windshield.

Calgary drivers have some of the highest insurance rates not only in Alberta, but in all of Canada. As a major city, large traffic volume and unpredictable weather in the region increase risk.

The city also has one of highest rates of vehicle theft in Canada. These factors, among others such as age, vehicle type, and driving record, increase the cost of car insurance in Calgary.

There are many factors that impact premiums :

• Personal information : Age and gender.
• Driving experience : Number of years you’ve had a driver’s licence.
• Driving record : Tickets, driving convictions, lapse of insurance coverage,
• Location : Where you live within the city of Calgary,
• Driver training : Completion of an accredited driver training program.
• Vehicle : Type of vehicle you drive and what it’s used for.
• Deductible : Insurance deductible amount.
• Coverage : Insurance coverage limits.
• Drivers : The number of drivers included on your policy.

These and other factors are used by insurers to determine the cost of your insurance premium.

Auto insurance rates in Alberta are set by the Automobile Insurance Rate Board (AIRB). They manage the Grid Rating System to set the maximum premiums insurance providers can charge drivers.

All drivers in Calgary want to get the best auto insurance rates. Here are some tips to get the best coverage in Calgary:

• Use a car insurance calculator : An Alberta car insurance calculator can help you get a better grasp on costs.
• Know how the grid rating program works : The grid program is designed to help you save on premiums as you gain more experience.
• Keep a clean driving record : Be a safe driver – obey traffic laws, get winter tires, avoid texting and driving, don’t drink and drive.
• Choose coverage limits wisely : Choose coverage that meets your personal needs.
• Compare rates with a Calgary insurance expert : Comparing rates and coverage options will help you get the best policy and price.
• Get insurance quotes for optional coverage : Always get quotes for extra coverage you may need to make sure you are getting the best price.

• Bundle coverage : Combining policies for other types of insurance will immediately save you up to 15% or more on all coverage.
• Install winter tires : Using winter tired will not only qualify you for a discount, they will make driving safer.
• Install an anti-theft device : Theft rates are high in Calgary. Installing an anti-theft device will qualify you for a discount and make it less likely your vehicle gets stolen.
• Choose an insurance friendly vehicle : The vehicle you drive matters. Choose one that is not a target for thieves, has a strong safety rating, and is affordable to repair.
• Shop around : Comparing car insurance quotes in Calgary is always the most effective way to find the cheapest car insurance premiums.

ThinkInsure helps you compare quotes and save on the coverage you need. We offer many advantages :

• We work for you : Our auto insurance experts are on your side. They work for you. Their job is to help you save on premiums and get the best coverage.
• Expert insurance knowledge : Our experts stay on top of the car insurance industry. They are licensed professionals. They make impartial coverage recommendations.
• Access to the cheapest car insurance : We compare rates to give you the best chance to save. We have access to coverage and rates from many insurance providers.
• Assistance with insurance issues : We will help you with claims, policy changes, payments and more. We can act as an advocate for you and answer all your insurance questions.

• Winter tires are a must : Calgary is known for its significant snowfall and treacherous winter road conditions.
• Winterize your vehicle : With temperatures getting as low as -30 degrees, it’s very important to winterize your vehicle.
• Watch out for lane reversals : There are a number of areas where lane reversals are in effect. Pay attention to which lanes are open.
• Avoid hitchhikers : Hitchhiking is not allowed on major highways or within Calgary city limits.
• Drive safe on Deerfoot Trail : Expect delays and traffic on Deerfoot Trail, Calgary’s busiest road.
• Watch out for wildlife : Wildlife frequently cross busy streets and highways in and around the city.
• Check the road conditions before driving : Get traffic report and road closure information on the City of Calgary website. This will help you avail congestion, accident scenes, and get to your destination quicker.