Calgary Car Insurance
Driving in Calgary is very scenic, but before you get behind the wheel, you need car insurance. Insuring your vehicle is a compulsory requirement for driving in Calgary.- Protect Yourself Against Legal Liability for At-Fault Accidents
- Accident Forgiveness Coverage and Rental Vehicle Coverage Options
- Full Replacement Cost Coverage Available for New Vehicle
- Customizable Auto Insurance Policies for Older and Newer Vehicles
Car Insurance in Calgary
If you are looking for reliable car insurance in Calgary, Leibel Insurance can help! Our agents will provide you with detailed information regarding the type of coverage you need and will make sure your policy is suitable for your needs.
Mandatory Auto Insurance Coverage in Calgary
In Calgary, two types of coverage are mandatory for all drivers: Third-Party Liability and Direct Compensation Property Damage (DCPD).
Third-Party Liability
Third-Party Liability insurance covers damages to others’ property or injuries caused by accidents where you’re at fault. The minimum amount of liability coverage in Alberta is $200,000, but it’s recommended to have at least $2,000,000 to adequately protect yourself in case of a serious accident.
Direct Compensation Property Damage (DCPD)
DCPD coverage provides coverage for damage to your vehicle in a collision with another insured driver when you’re not at fault. This coverage is part of your basic auto insurance policy and doesn’t require any additional premium.
Optional Car Insurance Coverage in Calgary
While Third-Party Liability and Direct Compensation Property Damage (DCPD) are mandatory in Calgary, there are several types of optional coverage that can provide additional protection.
Collision Coverage
Collision coverage provides protection for damage to your vehicle resulting from a collision, regardless of who is at fault. This can be particularly beneficial if you have a newer or high-value vehicle.
Comprehensive Coverage
Comprehensive coverage provides protection for damage to your vehicle caused by events other than a collision, such as theft, vandalism, or natural disasters like hail. This type of coverage can provide peace of mind, especially if you live in an area with a high risk of these types of events.
Car Rental Insurance
Car rental insurance provides coverage for the cost of a rental car if your vehicle is being repaired or replaced due to a covered loss. This can be a valuable addition to your policy if you rely on your vehicle for daily transportation.
Why Buy Optional Car Insurance Coverage?
There are several reasons why you might consider adding optional coverage to your insurance policy. Here are a few factors to consider:
The Age and Condition of Your Car
If your car is older or in poor condition, you might decide that the cost of optional coverage isn’t worth it. However, if you have a newer car or one in excellent condition, optional coverage can provide valuable protection.
Your Financial Situation
If you’re in a strong financial position, you might be able to handle the cost of repairs or replacement without insurance. However, if an unexpected expense would be a financial burden, optional coverage can provide important protection.
Whether Your Car is Financed or Leased
If you’re still paying off your car or if you’re leasing it, you may be required to carry certain types of optional coverage. Be sure to check the terms of your loan or lease agreement.
Your Driving Record
If you have a clean driving record, you might feel confident in your ability to avoid accidents. However, remember that not all accidents are preventable, and optional coverage can provide protection in the event of an unexpected incident.
Calgary is one of the busiest cities in Alberta, so there is always the risk of getting into an auto collision, for that reason it’s essential that you are prepared. This is true regardless of whether the collision is minor or severe, and we will make sure your policy protects you in either of these situations. Basic coverage may not provide you with what you need, and you may have to pay for repairs on your own which can be very costly. Additional coverage add-ons will cover such losses, so you can consider collision coverage and comprehensive coverage, which would help you pay for repairs to your own vehicle.
Another aspect to consider is weather events such as hail. Calgary is prone to severe hailstorms which can damage your vehicle. This type of damage would be covered under the comprehensive portion of your policy if coverage was selected.
Both collision coverage and comprehensive coverage will vary from one driver to another in terms of cost. Our representatives will discuss pricing with you in great detail whenever you inquire about your car insurance policy.
What is Basic Car Insurance in Calgary?
Basic car insurance is sometimes referred to as PLPD or one-way insurance. Essentially it’s a liability-only policy that covers any third-party personal injury or property damages you cause to someone while driving. This coverage is often chosen when someone has an older vehicle and is not overly concerned with any damages that they cause to their vehicle.
What kind of Car Insurance do I need in Calgary?
It is the law that every driver carries mandatory third-party liability and accident benefits coverage in Calgary. You can ask for additional coverage based on your needs, and we will gladly discuss your options to provide you with a suitable policy. Optional car insurance coverage can be very beneficial for many drivers, and we will clarify this information whenever you give us a call.
Ways to Save on Car Insurance in Calgary
While car insurance is a necessary expense, there are several ways you can save on your premiums.
Calgary is one of the busiest cities in Alberta, so there is always the risk of getting into an auto collision, for that reason it’s essential that you are prepared. This is true regardless of whether the collision is minor or severe, and we will make sure your policy protects you in either of these situations. Basic coverage may not provide you with what you need, and you may have to pay for repairs on your own which can be very costly. Additional coverage add-ons will cover such losses, so you can consider collision coverage and comprehensive coverage, which would help you pay for repairs to your own vehicle.
Another aspect to consider is weather events such as hail. Calgary is prone to severe hailstorms which can damage your vehicle. This type of damage would be covered under the comprehensive portion of your policy if coverage was selected.
Both collision coverage and comprehensive coverage will vary from one driver to another in terms of cost. Our representatives will discuss pricing with you in great detail whenever you inquire about your car insurance policy.
What is Basic Car Insurance in Calgary?
Basic car insurance is sometimes referred to as PLPD or one-way insurance. Essentially it’s a liability-only policy that covers any third-party personal injury or property damages you cause to someone while driving. This coverage is often chosen when someone has an older vehicle and is not overly concerned with any damages that they cause to their vehicle.
What kind of Car Insurance do I need in Calgary?
It is the law that every driver carries mandatory third-party liability and accident benefits coverage in Calgary. You can ask for additional coverage based on your needs, and we will gladly discuss your options to provide you with a suitable policy. Optional car insurance coverage can be very beneficial for many drivers, and we will clarify this information whenever you give us a call.
Ways to Save on Car Insurance in Calgary
While car insurance is a necessary expense, there are several ways you can save on your premiums.
Choose a Higher Deductible
The deductible is the amount you pay out of pocket before your insurance coverage kicks in. Choosing a higher deductible can lower your premiums, but it also means you’ll pay more out of pocket if you need to make a claim.
Take a Driver Education Course
Many insurance companies offer discounts to drivers who have completed a driver education course. These courses can help you become a safer driver and reduce your risk of accidents, which can lead to lower premiums.
Look for Discounts
Many insurance companies offer discounts for various factors, such as having multiple policies with the same company, having a clean driving record, or installing winter tires. Be sure to ask your insurance broker about any discounts you might be eligible for.
Why Choose Leibel Insurance Group for Car Insurance in Calgary?
You already know you need insurance, it is about choosing the right insurance brokerage to work with. Working with Leibel Insurance is like having your very own personal shopper as our brokers do all the work for you. Our brokers take the time to understand your needs to ensure you have the proper protection, and shop rates from a number of insurance carriers. But shopping your insurance for you, this can help secure you the lowest rate with the best coverage available. Having been in operations since 1981, Leibel Insurance Group is a brokerage that differs from many others. Check out our list of satisfied customers via our Google reviews and on our testimonial page.
MYLEIBEL App
Let’s face it, pretty much everything is on your mobile device these days; why shouldn’t your insurance be any different? Making changes to your insurance policy or coverage is as simple as making a few clicks or sending a few messages 24/7/365. With the MYLEIBEL Insurance app, our responsive team will get back to any of the messages we receive quickly, replying with accuracy and detail.
If you are a driver in Calgary, stop just thinking about car insurance, speak to one of our brokers now and get your policy on the road!
Why Choose Leibel Insurance Group for Car Insurance in Calgary?
You already know you need insurance, it is about choosing the right insurance brokerage to work with. Working with Leibel Insurance is like having your very own personal shopper as our brokers do all the work for you. Our brokers take the time to understand your needs to ensure you have the proper protection, and shop rates from a number of insurance carriers. But shopping your insurance for you, this can help secure you the lowest rate with the best coverage available. Having been in operations since 1981, Leibel Insurance Group is a brokerage that differs from many others. Check out our list of satisfied customers via our Google reviews and on our testimonial page.
MYLEIBEL App
Let’s face it, pretty much everything is on your mobile device these days; why shouldn’t your insurance be any different? Making changes to your insurance policy or coverage is as simple as making a few clicks or sending a few messages 24/7/365. With the MYLEIBEL Insurance app, our responsive team will get back to any of the messages we receive quickly, replying with accuracy and detail.
If you are a driver in Calgary, stop just thinking about car insurance, speak to one of our brokers now and get your policy on the road!
Driving in Calgary
Calgary is a beautiful city in the province of Alberta, and roads can get very busy. Traffic is part of everyday life, especially during the winter months when the weather is harsh and unpredictable. Motorists must drive responsibly, and understanding the rules of the road are a must to ensure Calgary streets are enjoyable and safe for everyone.
Here at Leibel Insurance, we care about our customers and always share tips and advice to help drivers remain safe at all times. We provide auto insurance to motorists in Calgary and will take the time to discuss your car insurance needs and the type of coverage that would be best for you.
The next time you get in your car to go for a drive, keep the following in mind:
Be Extra Cautious At Busy Intersections
Most accidents happen at intersections which is why you must be extra cautious. Be extra careful when approaching the following intersections:
- Deerfoot Trail and 16 Avenue N.E.
- Glenmore Trail and 14 Street S.W.
- Deerfoot Trail and 17 Avenue S.E.
- 16 Avenue and 36 Street N.E.
- Crowchild Trail and Kensington Road N.W.
- Deerfoot Trail and Southland Drive S.E.
- McKnight Boulevard and 68 Street N.E.
- 32 Avenue and 36 Street N.E.
Learn more about other busy and dangerous intersections in Calgary.
Signal Your Intentions
Signal lights are there for a reason, and you need to use them to clarify your intentions to other drivers. This will avoid confusion, and roads will be safer and more enjoyable as a result.
Respect The Speed Limit
Speeding is irresponsible and extremely dangerous. It can quickly lead to an accident because your ability to slow down diminishes and you will not be able to come to a complete stop on time. Speeding causes collisions, and respecting the speed limit will prevent this from happening.
Install Winter Tires
Calgary is known to experience harsh winters, and roads can be slippery and dangerous during these months. Installing winter tires on time will increase safety, and your car can better handle weather conditions. These tires are designed to handle cold weather, and you won’t feel scared when driving over snow or ice.
Avoid Distractions & Disruptions
Never text while driving; put your phone away while you’re behind the wheel. This will allow you to focus on the road, and you will not feel distracted, which can lead to an accident. When driving, you must pay attention to the road and your surroundings at all times.
Calgary Car Insurance FAQ
Despite the ongoing construction, driving in Calgary is generally a great experience. Ensuring you have all your Calgary car insurance questions answered is the responsibility of your local Leibel Insurance Group broker.
What are car insurance rates for high-risk drivers in the city of Calgary?
High-risk drivers may receive higher rates because they will be placed in a high-risk category. Insurance companies will assume that you will file a claim at some point due to your history, which is one of the reasons you will have to pay a higher rate. Finding affordable auto insurance rates in Calgary can be very hard for high-risk drivers, but we will work with you to find you the best rate based on your driving history.
Tips For Driving In Calgary
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.
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
How Do We Find The Best Car Insurance In Calgary
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.
How Much Is Car Insurance In Calgary?
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.
Does Where I Live Affect My Car Insurance Rates?
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.
Can I Save on Calgary Car Insurance?
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.
What Are Car Insurance Rates For Calgary Students?
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.
What is Optional Auto Insurance Coverage in Calgary?
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!
Will my Calgary auto insurance work in the U.S?
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.
Will speeding tickets affect my auto insurance in Calgary?
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.
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