Car Insurance in Edmonton - What You Need to Know
Are you tired of overpaying for the best car insurance in Edmonton? Compare affordable car insurance quotes today!
When you think of the city of Edmonton, the first thing that likely comes to mind is shopping and sports. While it’s true that Edmonton is home to the largest shopping mall in the country and has no shortage of professional sports teams to watch, these attractions are the tip of the iceberg. Edmonton is also just a short drive from a number of famous parks and wildlife preserves in Alberta, making it a fantastic destination for an adventure, regardless of the season.
Before buckling up for your next road trip in the Edmonton area, make sure that you car insurance is in proper order. Driving without the best car insurance in Edmonton is a serious risk for yourself and other drivers. Not to mention, if you get into an accident and don't have the right type of insurance, you won’t receive any coverage.
If you're looking for the best car insurance in Edmonton, you should start by getting affordable car insurance quotes from the Surex team! At Surex, we work with the top car insurance companies in Canada that offer coverage in Edmonton; this gives you access to the cheapest, most competitive car insurance quotes on the market.
At Surex, our three-step process will ensure that you end up with the best car insurance in Edmonton. Here’s how it works:
- Personalized insurance quotes: Surex will capture some of your basic information when you get insurance online or over the phone and then shop the market for you. In under ten minutes, you’ll have up to ten personalized auto insurance offers to choose from.
- Customize your offers: Once you receive the initial quote, you can edit your information and compare insurance companies to find the best overall value.
- Purchase and manage 24/7: Once you’ve selected a quote and reviewed the policy with your dedicated assistant, you can electronically sign documents to receive an instant proof of insurance. If you’d rather speak with someone we will connect you with a dedicated personal assistant to walk you through all the options and answer any questions you might have about the final steps of acquiring car insurance in Edmonton. Once finished, your documents will arrive in the mail and you can manage your policy 24/7 with our ‘My Surex’ login feature.
- Be bridge-smart: The North Saskatchewan River cuts right through Edmonton, meaning that local drivers need to be familiar with their route, and be comfortable navigating the city’s 15 spans. Bridge construction and maintenance can mean road narrowing, lane closures, and frequently changing detours, so look out for temporary signage when approaching a bridge.
- Be highway-savvy: Edmonton is encircled by a vast network of highways, including Highway 216, Highway 28, Highway 2, Highway 14, and Highway 16. When taking one of the city’s many throughways, Edmonton drivers should avoid distraction, leave extra time for congestion, leave enough braking distance (especially in poor conditions), merge carefully but swiftly, and ensure their vehicle is in proper working order before getting on a highway.
- Winter driving 101: When it comes to winter, Edmontonians don’t get spared! When driving in the city’s brutal winter conditions, drivers should be prepared for all situations. Installing winter tires is a must (and will save you on automobile insurance in Edmonton); so is an emergency kit with blankets, a flare and matches, winter-rated windshield washer fluid (with an extra container in the trunk), at least a half-full tank of gas, a fully charged mobile phone, a snow scraper, and a mindset of caution and patience. You’ll get to your destination — it just might take a little longer than you hoped.
- Watch for students: Edmonton is home to three public school boards (for elementary and secondary schools), a handful of private schools, and a number of post-secondary institutions, including MacEwan University, the University of Alberta (U of A), Concordia University of Edmonton, The King's University, and the Northern Alberta Institute of Technology (NAIT). That means Edmonton drivers need to be mindful of students on foot, on bicycles, using public transit, and operating vehicles as student drivers.
- Compare your options: One of the most important ways to find competitive auto insurance rates in Edmonton is to get an online car insurance quote from the top rated providers. By comparing offers from many of Canada’s leading insurance providers, Edmonton drivers can find a policy that suits their needs without breaking their budget. So instead of simply re-upping with your current insurance provider, take a few minutes (before your policy automatically renews) and visit a rate comparison site like Surex to see what’s available. Even saving a few dollars per month can add up over the course of your 12-month insurance policy.
- Winter tires: When you start to notice the weather getting (and staying) cold — the rule of thumb is 7℃ — it’s time to put winter tires on your vehicle. The softer rubber compound of cold weather tires is proven to reduce stopping distance and give you extra traction in cold weather and slippery conditions. Not sure if your tires are actually winter-rated? It’s simple — just look for the symbol on the sidewalls of the little snowflake inside of the mountain. That means your winter tires have met the standards laid out by the Rubber Tire Association of Canada, and therefore you qualify for a 5% discount.
- Telematics: Telematics — or Usage-Based Insurance — means that you grant your online auto insurance company permission to track your driving behaviour, and you’ll be rewarded with a discount of up to 30% if you demonstrate safe driving patterns. The driving behaviour that gets monitored (through a small digital device mounted in the vehicle) includes speed, braking, fuel consumption, trip distance, and driving smoothness. And don’t worry, online insurance companies don’t penalize drivers with increased rates if they fail to meet the 'safe driving’ criteria.
- Bundling discounts: One of the most common ways for Edmonton motorists to save on car insurance is by bundling their auto and home insurance policies with the same company. Even if you rent, you can bundle your car and renters insurance. Customers who bundle policies should expect to see savings of up to 15% on their auto insurance, and up to 10% on their property (home/condo/tenant) insurance. We can connect you with the best insurance companies who can help you find Edmonton car insurance and also help you find other types of relevant insurance for you to bundle together so that you can get a rate that works for you.
The factors that determine how much the best car insurance in Edmonton will cost are different for every driver, therefore it’s difficult to say exactly how much car insurance costs. Insurance companies look at factors such as vehicle make and model, driver information (e.g. sex, age, occupation, marital status), driving history, the city in which the driver lives, and government regulations (which vary by province).
Because so many factors are considered, and because each insurer arrives at their rates slightly differently, it’s important for Edmonton drivers to shop around in order to find the cheapest rate. Edmonton has its own special factors that will affect insurance rates, including weather, the density of traffic, and how frequently Edmonton drivers make insurance claims.
Allow us to help you find the best car insurance in Edmonton that best aligns with your needs and includes the auto insurance coverage that works for you. Whether you're looking for the cheapest insurance policy in Edmonton or just a policy that has great coverage at a car insurance rate that works for you. We can help you compare quotes and different coverage options to make sure that you're getting an automobile insurance quote in Edmonton you're happy with.
In order to insure a vehicle, Edmonton motorists need the following: a valid driver’s license (this doesn’t need to be from Alberta — it can be from different province or territory), a driver safety training certificate (if you wish to qualify for a safe driving discount), vehicle registration information, record of driving history, license plate details, payment information (banking details, credit card details, etc), and details of all drivers who will be operating your vehicle on a regular (or semi-regular) basis.
Once you’ve received a free auto insurance quote from a comparison site like Surex, you’ll speak with a dedicated insurance assistant over the phone to confirm your information, provide additional details as required, learn about any discounts you may qualify for, find out exactly what your rate will be, discuss payment options, learn about the claims process, and finalize your policy.
A deductible is an amount you’re required to pay before collecting on certain coverage. In other words, it’s the portion of the insurance payout that you — the policyholder — is responsible for paying for. For example, if you decide to include Comprehensive coverage to your car insurance policy, and your vehicle experiences a covered peril (ie. vandalism), you may decide to make a claim. However, if your Comprehensive coverage has a deductible of $1,500, you will need to pay that amount before your insurance company covers the rest of the damage. Keep in mind, if you request to raise the amount of your deductible, insurance companies will often grant you a discount (but be ready to pay it out in the event of a claim!).
Yes. According to Canadian law, you have 14 days to cancel your policy after it starts. This gives you time to change your mind if you find a better deal, or if you no longer require the policy. But remember, if you wait beyond 14 days, you will be on the hook for your insurance company’s cancellation policy. Cancellation penalties in Edmonton vary by company, but are usually a percentage of your full policy — so do the math and be sure it’s worth it to switch to a different provider (the amount you save may not outweigh the amount you’ll be penalized for switching).
Submitting a car insurance claim in Edmonton is a fairly straightforward process. You want to make sure you have all the information about any damages, including any other involved driver's. Your car insurance coverage will determine what types of damages are covered, so make sure you understand your car insurance coverage. You want to communicate with your auto insurance company to make sure that they have all the insurance information they need. A claims adjuster will likely help you with the next steps you need to take.
Car insurance premiums in Edmonton are some of the most expensive in all of Alberta, as is consistent with the way rates are calculated. As the best insurance broker, Surex can help you find low cost auto insurance rates from the top car insurance companies in Canada that are consistent with your budget but offer the coverage you need.
The mandatory forms of Alberta auto insurance are accident benefits and third-party liability. Other types of insurance coverage like comprehensive and collision are not mandatory, but might still be a good idea for you. A Surex advisor can help you to understand the best insurance coverage for your situation.
- Hawrelak Park
- Rundle Park
- Terwillegar Park
- West Edmonton Mall
- Southgate Centre
- South Edmonton Common
- TELUS World of Science
- World Waterpark