Car Insurance

Car insurance provides you with total peace of mind. While driving on the highway, in the city, or even when just parked on your driveway, it offers you protection for collisions, vehicle theft, vandalism, and personal liability. Car insurance cost and coverage is determined by a number of factors including, but not limited to: the age of the vehicle, the overall value of the vehicle, and how much it’s driven.


Minimum Mandatory Required Coverage

Choosing the right car insurance is important. The minimum mandatory required coverage for Alberta car insurance is $200,000 in third-party liability insurance (also known as personal liability and property damage coverage [PLPD]) and accident benefits coverage. This minimum coverage does not, however, cover any damage to your own property when you are at fault, any repairs required on your own vehicle will have to come out of pocket. For this reason, many choose coverage for their own property on top of the car insurance Alberta minimum required coverage.


Optional Car Insurance Coverage

The optional car insurance coverage in Alberta is collision insurance and comprehensive insurance. Collision insurance coverage pays for the repair and replacement of your vehicle, regardless who is at fault. Comprehensive insurance coverage provides protection against the extras such as fire, theft and weather damage.

In addition, choosing to increase the coverage amount of minimum liability insurance is a good idea, because when an accident occurs the cost of damages can easily exceed $200,000. An increase to $1 million to $2 million in coverage is usually recommended to ensure you are covered for the majority of situations.


Our experienced brokers at Insurance Discounts Ltd. have the knowledge you can depend on and trust when it comes to deciding which coverage is right for you. Contact us to receive a car insurance quote at 780-449-1411 or complete an online car insurance quote request and we will be happy to help guide you through your options.