Edmonton Car Insurance Broker
Looking for reliable and affordable car insurance in Edmonton? Leibel Insurance is here to help! Since Originating in Edmonton, Alberta in 1981, our goal has been to provide drivers and their families we protect with the perfect coverage at affordable rates.- Third-Party Liability Coverage Edmonton
- Rental Car Insurance in Edmonton & Accidents Benefits
- Custom Car Insurance that fits your needs for your Vehicle
Get an Edmonton Car Insurance Quote today with Leibel Insurance
Insuring your car is an essential step to driving. In fact, it is required to register your vehicle with the province. Regardless of the type of car, SUV, truck, or motorcycle you own, insurance is a necessity. With the right car insurance, you can ensure that claims costs are associated with accidents that happen while driving. If you get into an accident while driving and don’t have insurance, you are personally liable for paying for damages out of pocket. You may also be subject to lawsuits or injury claims from anyone in other vehicles that you hit. Your own car insurance may also cover damages to your vehicle in the event that the person that collided with you has no or too little insurance.
Mandatory Car Insurance Coverage in Edmonton
As is the case with every city in Canada, there are certain minimum requirements you require to legally be allowed to drive.
Third-Party Liability
Third-Party Liability will cover any damages and legal liabilities that you are responsible for if you are found at fault in an accident.
Accident Benefits
Accident Benefits are also automatically included and required as this will cover any damages done to passengers that were in your vehicle at the time of the accident.
Direct Compensation (DCPD)
DCPD will cover damages and repairs to your vehicle if you are found not at fault for an accident, and you would deal directly with your insurance provider for compensation.
Optional Car Insurance Coverage in Edmonton
Certain types of auto insurance coverage are not required by law in Edmonton, but knowing about these options will help you make informed decisions regarding your policy. The experts at Leibel Insurance will discuss optional car insurance coverage because we care about our clients and want them to be informed.
We will discuss your options in great detail to ensure you have the best coverage for your needs. A lot of drivers choose to add additional coverage because they are looking for peace of mind. Our team is ready to provide you with the protection that you need.
Optional Auto Insurance coverages include: uninsured automobile coverage, comprehensive and accident forgiveness.
Uninsured automobile coverage
Uninsured automobile coverage protects you in the event in which you are in an accident with an uninsured driver and they are found at fault. Sadly, while insurance is mandatory in Edmonton, there are people who will drive without an insurance policy, and this type of coverage would protect you in these situations.
Comprehensive coverage
Comprehensive coverage will cover damages that happen to your car outside of a car accident. These can include things such as:
- Fires
- Car Theft
- Animal Hazards
- Weather Hazards
- Vandalism
Accident Forgiveness
Accident forgiveness would provide you with a second chance if you are involved in your first at-fault accident, this way your insurance premiums will not increase after your first at-fault accident.
Elements that impact the cost of your Edmonton car insurance:
Auto Insurance rates are based on many factors including historical and current vehicle crash statistics as well as driving statistics. Some variables that impact your car insurance rates include;
Elements that impact the cost of your Edmonton car insurance:
Auto Insurance rates are based on many factors including historical and current vehicle crash statistics as well as driving statistics. Some variables that impact your car insurance rates include;
Age
Statistically, younger drivers tend to get into more accidents, which results in their insurance being higher than older drivers. Regardless if you are a perfectly safe driver, young drivers will have to age out of the “teen driver” category to see a drop in your rates. Maintaining continuous insurance and a good driving record can help improve rates.
Gender
Once again, male drivers tend to get into more road collisions than female drivers. Insurance companies see this as a concern and premiums will be generally higher for male drivers.
Driving experience
The more experience you have driving, the lower your rate. If you can prove that you are a safe driver, insurance companies will be more likely to offer you a lower rate. Using telematics can help improve your result as you share your good driving habits with the insurance company.
Vehicle make and model
When it comes to insurance rates, having a common make and vehicle model can work against you. Statistically, if there are more of a certain vehicle type on the road means that vehicle make/model may get into more accidents than others.
Why is Leibel Insurance the best option for Car Insurance in Edmonton?
Experience
Our experience speaks for itself. We’ve protected and insured thousands of people for 40 years. With all of our experience, we can share our expert knowledge of the industry and help you find the best policy for your needs.
Reputation
We care immensely about our customers, this is evident from all the Google reviews, customer testimonials, and our consistent customer satisfaction for over 40 years.
Easy-to-use app
Control and simplify your insurance with our easy-to-use MyLeibel Insurance app. If you have questions, chat with us through the app and get the answers you need. If you have changes you want to make to your policy, our team of experts can quickly make the necessary changes on the spot.
Great rates
We’ll work with and for you while doing all the shopping on your behalf. Leibel Insurance Group secures low rates. We even review the various insurance options with you so you know what coverages you get to stay protected!
Call Leibel Insurance Group today to talk about your car insurance options!
Why is Leibel Insurance the best option for Car Insurance in Edmonton?
Experience
Our experience speaks for itself. We’ve protected and insured thousands of people for 40 years. With all of our experience, we can share our expert knowledge of the industry and help you find the best policy for your needs.
Reputation
We care immensely about our customers, this is evident from all the Google reviews, customer testimonials, and our consistent customer satisfaction for over 40 years.
Easy-to-use app
Control and simplify your insurance with our easy-to-use MyLeibel Insurance app. If you have questions, chat with us through the app and get the answers you need. If you have changes you want to make to your policy, our team of experts can quickly make the necessary changes on the spot.
Great rates
We’ll work with and for you while doing all the shopping on your behalf. Leibel Insurance Group secures low rates. We even review the various insurance options with you so you know what coverages you get to stay protected!
Call Leibel Insurance Group today to talk about your car insurance options!
Driving in Edmonton
Here at Leibel Insurance, we are passionate about helping our customers secure the best Edmonton car insurance rates. We also provide practical advice and valuable tips to ensure your safety and that of others while you’re on the road.
The right information will reduce the chances of collisions and will make the roads in Edmonton more enjoyable for everyone. Safety must always be prioritized, and you must remain alert when driving.
Learn more about the driving tips that we tell all of our Edmonton customers.
Edmonton Car Insurance FAQ
Leibel Insurance Group can help you get the Edmonton car insurance you need for the best price. Our team knows how important it is to have the right Edmonton auto insurance to suit your needs, and there are a number of questions we can answer before starting your local insurance quote.
I Have a New Car. What Insurance Do I Need?
It depends. If you are leasing or financing your new vehicle, the lender will require full coverage. If you own your car outright, then you can choose different levels of coverage and add or remove coverage options.
Can I Lend My Car To Someone?
It’s your car, and you can provide consent to someone to borrow it. Just keep in mind that when you lend your car out, you are also lending your insurance. That means that if they have a car accident, your insurance policy would be liable if they cause any damages.
What Coverage Do I Need For Hail Damage?
Great Question! Alberta is certainly known for its hail storms. Comprehensive coverage is the portion of your insurance policy that would respond to a hail claim. Comprehensive coverage also covers you from other losses such as fire, theft & vandalism.
Learn more on how to protect your car from hail.
How Can I Save on Edmonton Car Insurance Rates?
This is one of the more common questions we get. There are a number of ways to save. First, having a clean driving record is key. Other ways include signing up for Telematics – Usage Base Insurance (UBI). Many car insurance companies put you in the driver’s seat and let you prove how good of a driver you are. This will help generate additional discounts when you renew your policy. And of course, bundling your car with your home, condominium, or tenant’s insurance helps you save money too.
How Do I Make A Car Insurance Claim In Edmonton?
If you ever find yourself in a motor vehicle accident in Edmonton or Calgary, here is a general guide on what to do and the car insurance claims process:
1. Stop and assess the Situation:
- Stop your vehicle and get it to a safe position, failure to stay on site of an accident will result in a criminal charge and demirit points
- If your vehicle is driveable, park it at a safe position, if not driveable turn on hazard lights.
- After an accident or incident, ensure everyone’s safety. If there are injuries, seek medical attention immediately.
- If it’s safe to do so, exchange information at the scene, including details about the other parties involved,if there are any witnesses or dashcam footage, and the accident itself.
2. Report the Incident:
- Contact the local authorities by dialing 911 to report the incident. Depending on the accident, police may attend as a police report will be essential for your insurance claim.
- Notify your insurance company as soon as possible. Many insurers have 24/7 claims reporting hotlines and webpages
3. Provide Information:
- When reporting the claim, be prepared to provide details about the accident, such as the date, time, location, the cars involved and your recollection of what happened to your insurer
- Provide information about other parties involved, including names, contact information, and their insurance information if possible
4. File a Claim:
- Your insurance company will guide you through the claims process. This may involve filling out a claim form and submitting any necessary 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:
- An adjuster from your insurance company may be assigned to assess the damages to your vehicle and see if the damages are covered by your insurance policy. They will also see if there are any applicable medical claims.
- You may need to take your vehicle to a repair shop for an estimate, or the appraiser may visit the location of the incident.
6. Repair Process:
- Once the damages are assessed, you can choose a repair shop to fix your vehicle. Some insurance companies have a list of approved repair shops, but you may have the flexibility to choose.
- If your vehicle is deemed a total loss and is unable to be repaired, the insurance company will provide compensation based on the actual cash value or 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 necessary information is gathered, and the claim is processed, the insurance company will issue the payment for the covered losses.
Making an insurance claim is easy with Leibel Insurance’s MYLEIBEL app. Simply request to file a claim in the app, and one of our representatives will follow up with you. Alternatively, you can call the team directly, and we will help you through the process with a dedicated claims advocate.
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