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Teen Drivers and Your Insurance

teenage driver When a teenager in your home reaches the big milestone of obtaining a driver’s license, there can be a great deal of excitement and apprehension. Along with the responsibility a young driver takes on when behind the wheel of a car, there is also the financial responsibility of having a teen driver to be considered. Read more »

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Do You Have a Great Rate? How To Save on Car Insurance Now

Save money on car insurance quotesDoes your car insurance rate make you feel like you’re getting a great deal, or do you worry you could be overpaying? InsuranceHotline.com users know the answer to that question, and so could you. The only way to know for sure if you’ve got a great rate is to shop and compare; if you don’t know what is out there for you... Read more »

Get Your Alberta Car Insurance Quote Online-Start Saving Today.


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1: Complete An Alberta Car Insurance Quote

The first step to getting your extra savings is to fill out our easy, step by step quote form. The entire process can be completed in 5 minutes and at the end you instantly receive the lowest Alberta car insurance quotes available from our network of licensed insurance professionals. It really is that simple! Our objective search technology takes your information to compare your rate against more than 30 Canadian insurance companies and help find you a lower Alberta auto insurance rate. Shop your rate today & join more than 1 million Canadians who have used our service to lock in car insurance savings.


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2: Lock In Your Insurance Savings

Once you have your Alberta insurance quote, the next step in is to lock in your savings – by speaking to a professional insurance broker or agent directly to secure your rate. InsuranceHotline.com connects you with a licenced professional in your area who can help get you setup with your new policy. We make the entire process of shopping for insurance quick and easy so that you can get back to your day. Life can be busy and complicated. Shopping for the best car insurance in Alberta doesn’t need to be. Not anymore.


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3: Stay Informed All Year Long

Saving money on your Alberta car insurance today is great, but why not extend the benefits beyond your initial quote? At InsuranceHotline.com we can actively monitor our network to alert you when a better rate becomes available to you. Our rate alert service is free, non-intrusive and occurs every 3 to 6 months depending on your preference. Just like mortgage rates, Alberta car insurance premiums can change frequently. We will make sure you stay informed for no cost, and we will even remind you when it’s time for your next auto insurance renewal.

Car Insurance In Alberta: Things You Should Know

Shopping for Auto Insurance Quotes

Different car insurance companies charge different rates to insure the same car and driver in Alberta. These rates can vary by hundreds and even thousands of dollars, so it pays to shop around. The key is to find the insurance company that has the lowest rate available, but with so many Alberta car insurance companies, calling around to get comparative quotes can be very time consuming, and a lot of work! This is where instant online car insurance quotes, comparing the rates across a broad cross-section of Alberta insurance companies can make your life easier!

Auto Insurance in Alberta

Auto insurance in the province of Alberta is mandatory for all vehicles. The minimum third party liability limit that you must carry on your car in Alberta is $200,000. Without this minimum coverage on your vehicle, you will not be able to register your automobile. It is illegal to drive uninsured and unregistered automobiles in Alberta.

Like the other provinces in Canada, Alberta has no-fault insurance. No-fault car insurance is a type of insurance contract where the policyholder makes a claim of financial benefits to their own insurance company. Both parties involved in the automobile accident are required to go to their own insurance company regardless of who is at fault in the accident.

Auto insurance in Alberta is regulated by the Automobile Insurance Rate Board (AIRB) and the Office of the Superintendent of Insurance.

The AIRB's mandate is to regulate premium level for basic coverage, third party liability limits of $200,000 to $2,000,000 and accident benefits, monitor premiums for optional coverage and review and approve rating programs for new insurers entering the Alberta market. The board annually sets the maximum premiums for basic insurance coverage that all insurers can charge.

The Alberta Government developed and implemented The Premium Grid in October 2004. The Grid sets the maximum premium car insurance companies are permitted to charge for basic coverage for a private passenger vehicle.

Car Insurance Alberta Grid Rate Calculator
The premium grid calculator is designed to assist you in learning more about your auto insurance premiums on the premium grid.

The calculation of your maximum premium for basic coverage is dependent on the following factors:

  1. Level of third party liability coverage;
  2. Where you live;
  3. Number of years licensed - this includes the date you received your license until now, rounded down to the closest number of years;
  4. The number of at-fault claims in the last six years and of that number, how many occurred in the last three years;
  5. The number of driving convictions, which include traffic safety and serious convictions in the last three years and criminal code convictions in the last four years

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