In Alberta and Calgary, you absolutely must obtain auto insurance before operating a vehicle. To not do so is against the law, and can result in hefty fines of several hundred dollars - even thousands - of dollars.
Auto insurance in Calgary is mandatory for many reasons. It protects you in case you are involved a no-fault accident and need to make emergency repairs to your vehicle. Since the other driver is mandated to have insurance, you will be covered. Auto insurance also protects you if you cause an accident yourself and need to compensate for repairs to other vehicles. Essentially, auto insurance works to protect you and all other drivers on the road from financial hardship when accidents occur (which they do often), and can also provide protection should your vehicle be stolen or vandalized.
Key Components of Auto Insurance in Calgary
The most basic components of your auto insurance policy include:
* Collision Coverage - Every auto insurance package comes with collision coverage in case you cause or are involved in an accident. Collision coverage is mandatory in Alberta.
* Comprehensive Coverage - Comprehensive coverage is optional and can provide for damages causes by incidences other than accidents, such as hail or flood damage.
* Liability - All auto insurance packages include liability coverage in case someone is injured in an accident you cause or if you are sued.
Auto insurance in Calgary can also include uninsured (or underinsured) motorist protection, personal injury protection, roadside assistance, full glass coverage and rental car insurance. Speak with your insurance broker to make sure you have all the protection you require.
How to Get the Best Auto Insurance Rates
Getting the best auto insurance rates you can is really rather simple. Drive safe! The fewer infractions you have on your driving record, the better it is for your insurance rates.
Other ways to lower your insurance rates include:
* Raising your deductible
* Insuring all of your vehicles with the same company
* Purchasing a lower-risk vehicle
* Installing an anti-theft devise
* Taking a driver's education course
Auto Insurance Calgary From Godfrey-Morrow
It is often said that driving is a privilege, and not a right. Part of that privilege includes making sure others are safe on the road. Careful driving means you are looking out for everyone else as well as yourself when behind the wheel.
Godfrey-Morrow has personal auto insurance services available in Calgary. Our auto insurance brokers specialize in personalized packages, and our ability to access to a number of providers allows us to shop around to make sure you end up with the exact coverage you want at great rates. We are happy to provide auto insurance quotes to anyone who shows interest. We are sure we can save you money! Our auto insurance coverage incudes options for motorcycles, motorhomes and RVs, recreational vehicles (such as ATVs and snowmobiles), trailer and camper coverage, watercraft and boat insurance and collector car insurance.
