Auto Insurance in Alberta – Auto insurance is a crucial aspect of vehicle ownership in Alberta, ensuring that drivers are protected against financial losses resulting from accidents, theft, and other incidents. Alberta’s auto insurance market is diverse, with numerous providers offering a variety of coverage options. This article provides an in-depth overview of auto insurance in Alberta, covering at least 20 companies, their contact information, offers, pros and cons, customer reviews, comparisons, and answers to common questions.
Introduction to Auto Insurance in Alberta
In Alberta, auto insurance is mandatory for all drivers. The province follows a private insurance model, meaning that multiple companies compete to offer coverage. This competition can benefit consumers by providing a range of options and potentially lower rates. However, choosing the right insurance provider can be challenging due to the numerous factors to consider, including coverage options, premiums, customer service, and more.
Types of Coverage
Alberta’s auto insurance policies typically include the following types of coverage:
- Third-Party Liability: Covers legal responsibility for injury or damage to others.
- Accident Benefits: Provides medical and rehabilitation expenses, income replacement, and other benefits if you’re injured in an accident.
- Collision Coverage: Covers damage to your vehicle from a collision with another vehicle or object.
- Comprehensive Coverage: Covers non-collision-related damage, such as theft, fire, or vandalism.
- Specified Perils: Covers damage from specific risks listed in the policy, like theft or weather events.
- All Perils: Combines collision and comprehensive coverage.
Overview of Auto Insurance Companies in Alberta
Here are 20 auto insurance companies operating in Alberta, along with their contact information, offers, and customer reviews:
1. TD Insurance
- Website: TD Insurance
- Contact Info: 1-877-777-7136
- Physical Address: 3500 Steeles Ave E, Markham, ON L3R 0X1
Offers:
- Discounts for bundling home and auto insurance
- Flexible payment options
- Accident forgiveness
Pros:
- Comprehensive coverage options
- Strong financial stability
- Wide range of discounts
Cons:
- Higher premiums for high-risk drivers
- Limited online tools
Customer Reviews:
- Positive: Customers appreciate the comprehensive coverage and discounts.
- Negative: Some complaints about customer service wait times.
2. Desjardins Insurance
- Website: Desjardins Insurance
- Contact Info: 1-877-699-9923
- Physical Address: 6300 Boulevard Guillaume-Couture, Lévis, QC G6V 6P9
Offers:
- Multi-policy discounts
- Good student discount
- Roadside assistance
Pros:
- Strong customer service
- Extensive discount options
- User-friendly mobile app
Cons:
- Higher premiums for young drivers
- Limited physical locations
Customer Reviews:
- Positive: Excellent customer service and user-friendly mobile app.
- Negative: Higher rates for younger drivers.
3. Co-operators Insurance
- Website: Co-operators Insurance
- Contact Info: 1-855-446-2667
- Physical Address: 130 Macdonell St, Guelph, ON N1H 6P8
Offers:
- Discount for hybrid and electric vehicles
- Winter tire discount
- Claims forgiveness
Pros:
- Environmental focus with green discounts
- Strong community involvement
- Comprehensive coverage options
Cons:
- Limited online services
- Potentially higher premiums in rural areas
Customer Reviews:
- Positive: Appreciated for their green discounts and community involvement.
- Negative: Limited online services can be a drawback.
4. Intact Insurance
- Website: Intact Insurance
- Contact Info: 1-866-464-2424
- Physical Address: 700 University Ave, Toronto, ON M5G 0A1
Offers:
- New car protection
- Disappearing deductible
- Winter tire discount
Pros:
- Extensive coverage options
- Strong financial stability
- Innovative features like disappearing deductible
Cons:
- Higher premiums for some drivers
- Mixed customer service reviews
Customer Reviews:
- Positive: Comprehensive coverage and innovative features are appreciated.
- Negative: Some customers report issues with customer service.
5. Wawanesa Insurance
- Website: Wawanesa Insurance
- Contact Info: 1-800-640-2920
- Physical Address: 191 Broadway, Winnipeg, MB R3C 3P1
Offers:
- Multi-policy discount
- Safe driver discount
- Loyalty discount
Pros:
- Competitive rates
- Strong customer service
- Wide range of discounts
Cons:
- Limited online tools
- Coverage options vary by region
Customer Reviews:
- Positive: Customers appreciate competitive rates and strong customer service.
- Negative: Limited online tools can be inconvenient.
6. Aviva Canada
- Website: Aviva Canada
- Contact Info: 1-800-387-4518
- Physical Address: 2206 Eglinton Ave E, Scarborough, ON M1L 4S8
Offers:
- Multi-vehicle discount
- Claims service guarantee
- Accident forgiveness
Pros:
- Wide range of coverage options
- Strong financial stability
- Good claims service
Cons:
- Higher premiums for young drivers
- Limited discount options
Customer Reviews:
- Positive: Strong claims service and financial stability.
- Negative: Higher premiums for younger drivers.
7. Economical Insurance
- Website: Economical Insurance
- Contact Info: 1-800-265-2180
- Physical Address: 111 Westmount Rd S, Waterloo, ON N2L 2L6
Offers:
- Comprehensive and collision coverage
- Roadside assistance
- Multi-policy discount
Pros:
- Competitive rates
- Strong customer service
- Wide range of coverage options
Cons:
- Limited online services
- Mixed reviews on claims handling
Customer Reviews:
- Positive: Competitive rates and strong customer service.
- Negative: Mixed reviews on claims handling.
8. RSA Canada
- Website: RSA Canada
- Contact Info: 1-800-319-9993
- Physical Address: 18 York Street, Suite 800, Toronto, ON M5J 2T8
Offers:
- Multi-policy discount
- Accident forgiveness
- Winter tire discount
Pros:
- Comprehensive coverage options
- Strong financial stability
- Good customer service
Cons:
- Higher premiums for some drivers
- Limited online tools
Customer Reviews:
- Positive: Customers appreciate comprehensive coverage and good customer service.
- Negative: Higher premiums for some drivers.
9. Allstate Insurance
- Website: Allstate Insurance
- Contact Info: 1-800-255-7828
- Physical Address: 27 Allstate Pkwy, Markham, ON L3R 5P8
Offers:
- Safe driving discount
- Multi-policy discount
- Accident forgiveness
Pros:
- Wide range of discounts
- Strong customer service
- Comprehensive coverage options
Cons:
- Higher premiums for high-risk drivers
- Mixed reviews on claims handling
Customer Reviews:
- Positive: Wide range of discounts and strong customer service.
- Negative: Mixed reviews on claims handling.
10. Belairdirect
- Website: Belairdirect
- Contact Info: 1-844-757-2922
- Physical Address: 3 Robert Speck Pkwy, Mississauga, ON L4Z 3Z9
Offers:
- Bundling discounts
- Safe driving discount
- Claims forgiveness
Pros:
- Competitive rates
- Strong online tools
- Wide range of discounts
Cons:
- Higher premiums for some drivers
- Limited physical locations
Customer Reviews:
- Positive: Competitive rates and strong online tools.
- Negative: Higher premiums for some drivers.
11. AMA Insurance
- Website: AMA Insurance
- Contact Info: 1-800-615-5897
- Physical Address: 10310 G.A. MacDonald Ave NW, Edmonton, AB T5J 2M4
Offers:
- Multi-vehicle discount
- Claims forgiveness
- Roadside assistance
Pros:
- Strong customer service
- Competitive rates
- Comprehensive coverage options
Cons:
- Limited online tools
- Higher premiums for some drivers
Customer Reviews:
- Positive: Strong customer service and competitive rates.
- Negative: Limited online tools.
12. CIBC Insurance
- Website: CIBC Insurance
- Contact Info: 1-888-393-1110
- Physical Address: 199 Bay St, Toronto, ON M5L 1A2
Offers:
- Bundling discounts
- Safe driving discount
- Accident forgiveness
Pros:
- Competitive rates
- Strong financial stability
- Wide range of discounts
Cons:
- Limited online tools
- Higher premiums for some drivers
Customer Reviews:
- Positive: Competitive rates and strong financial stability.
- Negative: Limited online tools.
13. BrokerLink
- Website: BrokerLink
- Contact Info: 1-855-771-9438
- Physical Address: 20 Bay St, Suite 600, Toronto, ON M5J 2N8
Offers:
- Multi-policy discount
- Claims forgiveness
- Roadside assistance
Pros:
- Wide range of coverage options
- Strong customer service
- Competitive rates
Cons:
- Limited online tools
- Higher premiums for some drivers
Customer Reviews:
- Positive: Wide range of coverage options and strong customer service.
- Negative: Limited online tools.
14. Johnson Insurance
- Website: Johnson Insurance
- Contact Info: 1-800-563-0677
- Physical Address: 10 Factory Lane, St. John’s, NL A1C 6H5
Offers:
- Multi-policy discount
- Roadside assistance
- Accident forgiveness
Pros:
- Competitive rates
- Strong customer service
- Wide range of coverage options
Cons:
- Limited online tools
- Higher premiums for some drivers
Customer Reviews:
- Positive: Competitive rates and strong customer service.
- Negative: Limited online tools.
15. Peace Hills Insurance
- Website: Peace Hills Insurance
- Contact Info: 1-800-272-5614
- Physical Address: 300, 10709 Jasper Ave, Edmonton, AB T5J 3N3
Offers:
- Multi-policy discount
- Safe driving discount
- Claims forgiveness
Pros:
- Competitive rates
- Strong customer service
- Comprehensive coverage options
Cons:
- Limited online tools
- Higher premiums for some drivers
Customer Reviews:
- Positive: Competitive rates and strong customer service.
- Negative: Limited online tools.
16. Western Financial Group
- Website: Western Financial Group
- Contact Info: 1-866-245-2779
- Physical Address: 2000, 1040 – 7th Ave SW, Calgary, AB T2P 3G9
Offers:
- Multi-policy discount
- Safe driving discount
- Roadside assistance
Pros:
- Wide range of coverage options
- Strong customer service
- Competitive rates
Cons:
- Limited online tools
- Higher premiums for some drivers
Customer Reviews:
- Positive: Wide range of coverage options and strong customer service.
- Negative: Limited online tools.
17. Pembridge Insurance
- Website: Pembridge Insurance
- Contact Info: 1-877-497-4938
- Physical Address: 3 Robert Speck Pkwy, Mississauga, ON L4Z 3Z9
Offers:
- Bundling discounts
- Safe driving discount
- Accident forgiveness
Pros:
- Competitive rates
- Strong financial stability
- Wide range of discounts
Cons:
- Limited online tools
- Higher premiums for some drivers
Customer Reviews:
- Positive: Competitive rates and strong financial stability.
- Negative: Limited online tools.
18. Sonnet Insurance
- Website: Sonnet Insurance
- Contact Info: 1-844-766-6384
- Physical Address: 111 Westmount Rd S, Waterloo, ON N2L 2L6
Offers:
- Online-only platform
- Bundling discounts
- Safe driving discount
Pros:
- User-friendly online platform
- Competitive rates
- Wide range of discounts
Cons:
- No physical locations
- Limited customer service options
Customer Reviews:
- Positive: User-friendly platform and competitive rates.
- Negative: Limited customer service options.
19. Square One Insurance
- Website: Square One Insurance
- Contact Info: 1-855-331-6933
- Physical Address: 2121 2nd Ave, Vancouver, BC V6K 1J3
Offers:
- Customizable coverage options
- Bundling discounts
- Safe driving discount
Pros:
- Flexible coverage options
- Competitive rates
- Strong customer service
Cons:
- Limited online tools
- Higher premiums for some drivers
Customer Reviews:
- Positive: Flexible coverage options and strong customer service.
- Negative: Limited online tools.
20. SGI Canada
- Website: SGI Canada
- Contact Info: 1-800-667-8015
- Physical Address: 2260 11th Ave, Regina, SK S4P 0J9
Offers:
- Multi-policy discount
- Safe driving discount
- Roadside assistance
Pros:
- Comprehensive coverage options
- Competitive rates
- Strong customer service
Cons:
- Limited online tools
- Higher premiums for some drivers
Customer Reviews:
- Positive: Comprehensive coverage options and competitive rates.
- Negative: Limited online tools.
Comparison of Companies
Here’s a comparison of the 20 auto insurance companies based on various factors:
| Company | Coverage Options | Discounts | Customer Service | Online Tools | Rates | Claims Handling |
|---|---|---|---|---|---|---|
| TD Insurance | Comprehensive | Extensive | Good | Limited | Higher | Good |
| Desjardins Insurance | Comprehensive | Extensive | Excellent | Good | Higher | Good |
| Co-operators | Comprehensive | Extensive | Good | Limited | Higher | Good |
| Intact Insurance | Comprehensive | Extensive | Mixed | Good | Higher | Mixed |
| Wawanesa Insurance | Comprehensive | Extensive | Good | Limited | Competitive | Good |
| Aviva Canada | Comprehensive | Limited | Good | Limited | Higher | Good |
| Economical Insurance | Comprehensive | Extensive | Good | Limited | Competitive | Mixed |
| RSA Canada | Comprehensive | Extensive | Good | Limited | Higher | Good |
| Allstate Insurance | Comprehensive | Extensive | Good | Good | Higher | Mixed |
| Belairdirect | Comprehensive | Extensive | Good | Excellent | Competitive | Good |
| AMA Insurance | Comprehensive | Extensive | Excellent | Limited | Competitive | Good |
| CIBC Insurance | Comprehensive | Extensive | Good | Limited | Competitive | Good |
| BrokerLink | Comprehensive | Extensive | Good | Limited | Higher | Good |
| Johnson Insurance | Comprehensive | Extensive | Good | Limited | Competitive | Good |
| Peace Hills Insurance | Comprehensive | Extensive | Good | Limited | Competitive | Good |
| Western Financial | Comprehensive | Extensive | Good | Limited | Competitive | Good |
| Pembridge Insurance | Comprehensive | Extensive | Good | Limited | Competitive | Good |
| Sonnet Insurance | Comprehensive | Extensive | Limited | Excellent | Competitive | Mixed |
| Square One Insurance | Comprehensive | Extensive | Good | Limited | Competitive | Good |
| SGI Canada | Comprehensive | Extensive | Good | Limited | Competitive | Good |
FAQs
1. What is third-party liability coverage?
Third-party liability coverage protects you from legal responsibility if you’re at fault in an accident that causes injury or damage to someone else’s property.
2. How can I reduce my auto insurance premiums?
You can reduce premiums by maintaining a clean driving record, bundling policies, installing safety devices, and opting for higher deductibles.
3. What should I do after an accident?
After an accident, ensure everyone’s safety, contact the authorities, exchange information with the other driver, document the scene, and report the incident to your insurance company.
4. How is my auto insurance premium calculated?
Premiums are calculated based on factors like your driving history, age, location, vehicle type, coverage options, and credit score.
5. Can I switch my auto insurance provider mid-policy?
Yes, you can switch providers mid-policy, but it’s essential to understand any potential cancellation fees or penalties with your current insurer.
