Calgary Car Insurance Broker

With these tips on driving in Calgary, you can easily reduce your risk of filing a claim.

Be prepared on highway roads

In Calgary, highway driving is nearly inevitable.  Whether you’re heading along Deerfoot Trail or on Stoney Trail, being properly prepared for highway drives will keep you safe. The first thing you should ensure is that your car is properly maintained. 

Weather preparation

Winters in Calgary can be intense. Keep you and your car safe with the proper winter preparation. Winter preparation includes good winter tires, healthy oil, functioning windshield wipers and a well-maintained engine. In the winter months, pay extra attention to the roads and other drivers to avoid accidents. Having an extension cord to plug in your block heater is a good decision too.

Stay alert

When you’re on the road, you’re not alone. Paying attention to the other drivers, cyclists you share the road with, and pedestrians is essential to safe driving. Learn more about distracted driving.

Plan Ahead

Driving routes in Calgary often include construction. Paying extra attention to speed limits and signs can help you avoid accidents and tickets as well.

Learn more about driving safety tips in Alberta during Winter

Finding the best Calgary car insurance isn’t easy, but we sure are good at it! At Leibel Insurance Group, we do all the shopping for you. We begin by finding out your driving habits and understand any unique or specific needs to protect you properly. Next, we sort through all the rates from a number of different providers. We then offer you the best options to meet your needs.

Car insurance in Calgary, like every other Canadian city, varies. Depending on your age, the kind of vehicle you drive, how often you drive, where you live, how often you drive all impact your car insurance cost. With help from a broker like Leibel Insurance Group, we’ll review your needs and identify the best insurance policy at the right price to make sure you are covered.

Yes, where you live will contribute to your insurance rate. Premiums differ from city to city as well in neighbourhoods within the city. If there are more accidents in a certain area, this will be reflective in premiums if you live in that area as the risk of this happening to you is heightened. This doesn’t mean you have to move to save, talk to your broker to find alternative options to help save.

Yes! There are a few ways to save. Having a clean driving record is key. Some insurance companies let you show them how good of a driver you are. Signing up for Telematics – Usage Base Insurance (UBI) if the insurance company has it available can help you save. Another way to save is to put all your insurance together. Combining your car insurance with your home, condominium, or tenants insurance helps you save money too.

The best way to keep your car insurance rates low as a student is to get insured early. This allows you to start building your insurance history and gain driving experience. Next, avoid getting your own car until you’re fully licensed to save even more on primary driver insurance costs.

While auto insurance is a legal requirement in Calgary, some policies won’t cover all perils. At Leibel Insurance, we will discuss the best coverage for your needs, and our team will help you make informed decisions.

Our team will discuss in great detail the insurance options that are not required by law to determine whether or not they are necessary for you. Collision insurance, comprehensive insurance, emergency services and glass damage are examples of insurance options that are not mandatory in Calgary, but a lot of drivers would benefit from these optional coverages. 

If you’re at fault for an accident, you will likely be responsible for covering the costs of repair or replacements. Collision insurance would help tremendously in these situations. On the other hand, comprehensive coverage would help in the event of theft and auto damage, which are quite common in Calgary, and you wouldn’t have to empty out your bank account in these situations. Towing services after an accident would be covered if you select emergency service coverage. Glass damage coverage would protect you if hail, a break-in, or a rock chip were to damage your glass as this type of insurance would help you pay for glass repair and replacement. 

Family protection, loss of use, and rental vehicles are also optional auto insurance coverage types you can consider. 

We are experts when it comes to auto insurance, and our team will always provide you with exceptional service. We will listen to your needs and discuss these options with you to select the best type of car insurance for your situation specifically.  Contact us today to learn more about optional auto insurance coverage in Calgary!

Yes, your Calgary car insurance will cover you while you’re in the U.S., although it’s best to discuss this aspect in advance so that you are aware of all the details. It would be wise to inform the insurance company beforehand regarding your trip south of the border as there may be a few limitations or additional information we may need to discuss.

Speeding tickets will likely affect your car insurance rates in Calgary. Your insurance provider may excuse the ticket for good behaviour if it is your first one, but multiple speeding tickets will impact your rates as you could be viewed as a careless driver.

If you ever happen to be involved in a car accident in Calgary, here’s a comprehensive guide outlining the necessary steps to take and navigating through the car insurance claims procedure:

1. Stop and assess the Situation:

• Bring your vehicle to a stop and move it to a secure location. Leaving the scene of an accident can lead to criminal charges and demerit points.
• If your vehicle is driveable, park it at a safe position, if not driveable turn on hazard lights.
• Following an accident, prioritize the safety of everyone involved. If there are any injuries, promptly seek medical assistance.
• If you are able to, exchange information at the scene, including details about the other parties involved, if there are any witnesses or dashcam recordings, and details pertaining to the accident itself.

2. Report the Incident:

• Contact the local authorities by dialing 911 to report the incident. Depending on the nature of the accident, police presence may be necessary as a police report is crucial for processing your car insurance claim.

• Notify your insurance provider promptly. Many insurers offer 24/7 claims reporting hotlines and online platforms for this purpose.

• Leibel Insurance also makes making claims easy with the MYLEIBEL insurance app.

3. Provide Information:

• When reporting the claim, be prepared to provide all the details about the accident, such as the date, time, location, the cars involved, and your account of the events to your insurance company.

4. File a Claim:

• Your insurer will assist you throughout the claims procedure. This might entail completing a claim form and providing any required documentation.

   
   
• Provide accurate and complete information to facilitate the processing of your claim. When possible, prepare a diagram for your claims adjuster to help show event details.

5. Assessment of Damages:

• Your insurance company may assign an adjuster to evaluate the damages to your vehicle and determine coverage under your policy. They will also review any potential medical claims that may apply.
• You might have to arrange for your vehicle to be inspected at a repair shop for an estimate, or alternatively, the appraiser may visit the site of the incident.

6. Repair Process:

• After the assessment of damages, you have the option to select a repair shop to address the issues with your vehicle. While some insurance companies offer a list of repair shops they trust, you may also have the freedom to choose one that suits your preferences.

• If your vehicle is determined to be a total loss and cannot be repaired, the insurance company will offer compensation based on either the actual cash value or the agreed-upon value of the vehicle.

7. Claim Settlement

• The insurance company’s claims adjuster will work with you to settle the claim. This may involve covering the repair costs, providing a rental car if applicable, and addressing any medical expenses covered by your policy.

8. Resolution and Payment:

• Once all essential information has been collected and the claim has been processed, the insurance company will release payment for the covered losses.