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Always a pleasant visit! Friendly, knowledgeable and efficient staff make for a quick and easy process!
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Alberta Car Insurance
Whether it’s a quick trip for groceries once a week, a daily commute, or anything in-between, the right car insurance can keep you on the road.
Car Insurance
Also called vehicle or auto insurance, car insurance is financial protection for you against physical damage or bodily injury resulting from traffic collisions and against liability that could arise from incidents in a vehicle. Car insurance is insurance for cars, SUV’s, trucks and other road vehicles. It’s a contractual agreement between you, the insured, and the insurer (or the car insurance company).
Everyone who owns, leases, or borrows a vehicle should invest in a car insurance policy. A well-rounded insurance policy provides more protection and assurance when you are on the go, meaning that you can feel secure that your finances are covered even if something unexpected occurs.
Who should get car insurance?
Everyone who owns, leases, or borrows a vehicle should invest in a car insurance policy. The minimum will offer you basic coverage, but a well-rounded insurance policy provides more protection and assurance when you are on the go, meaning that you can feel secure that your finances are safe even if something goes wrong.
What additional car insurance does for you
The right car insurance ultimately protects you and your passengers. Car insurance also covers damage to your vehicle from something other than a collision like weather or theft.
If you’re ever at fault in an accident, you may be required to pay costs associated with it, such as legal fees, an injured person’s medical costs, or even lost income if they are unable to work. Insurance can cover these costs, and without adequate insurance in place, you may be responsible for paying these yourself.
In Alberta, some car insurance policies may also cover medical expenses for you and your passengers, including fees associated with doctor’s visits, surgery, or hospitalization. We can chat with you about coverage options that will help with these types of expenses.
Do you have enough coverage?
Let's find out
What car insurance covers in Alberta
Alberta car insurance covers physical damage to the vehicle and driver liability. You can add more coverage to your policy, including:
- Glass replacement
- Family security coverage
- Additional third-party liability
- Rental vehicle coverage
- Road hazard glass
- Loss of use
- Replacement vehicle coverage for new vehicles
What car insurance does not cover in Alberta
Exclusions in any insurance policy exist. What is or isn’t protected depends on the coverage that you choose and the car insurance provider. Here are some common exclusions:
- Breakdowns
- Tire damage
- Typical maintenance
- Wear and tear
Or if you prefer...
Book an AppointmentFactors that affect the cost of car insurance in Alberta
There are several factors that can increase or decrease car insurance costs in Alberta. To determine your exact cost of insurance you can contact one of our Personal Lines Account Executives by phone or in-office to provide you with a quote or request a quote online.
Factors that increase the cost of car insurance
Several factors increase the cost of your car insurance policy such as choosing a lower deductible which increases the overall cost of your premium.
Your premium will also cost more if you have a history of traffic accidents, tickets, violations, or at-fault claims.
Factors that increase the cost of car insurance
Drivers that have established a clean and safe driving record are more likely to have lower premiums. Your premium is also likely to be lower if you are a “pleasure use” driver and don’t use your vehicle for business. If you have multiple policies with the same insurance company, such as both your home and car insurance, you may be eligible for discounts for your loyalty.
Submitting a car insurance claim with Knight Archer
Every car insurance company requires you to go through similar steps to file your claim. Here’s what you can expect with us.
Collect information to have on hand. Being prepared will make the pocess go much faster. Taking a photo or a video of the damage can be helpful in case the insurance company asks for evidence.
Call your insurer as soon as possible. There’s no such thing as too soon - you can even call from the scene of the accident.
Your insurance company will tell you what documents you need to fill out to support your claim, typically a “proof of claim” form. If you filled out a police report at the scene of the accident, you might also need this.
Determine if your claim has critical deadlines. Depending on what policy you have, there may be a deadline. Know your deductibles and review them with your insurer.
Let your insurer know if you need a rental car - they’ll tell you if it’s covered under your policy.
After reviewing the materials you’ve provided, and possibly bringing your car for assessment, your insurer will give you an estimate.
Complete the claim estimate and repairs needed.
Companies that we work with to find you the best car insurance in Alberta:
Get a car insurance quote
Get started today with a free quote. Just provide some basic information about what type of vehicle you own and how much coverage you want. After that we can give you an accurate quote on a policy that meets all your needs.
If you prefer in-person or over the phone, you can always chat with one of our account executives on which policy is right for you and your home.
Alberta Car Insurance FAQs
Yes, your coverage extends into the 50 continental United States and the rest of Canada. It will not extend to traveling in Europe or Mexico.
No, it will not. Your car insurance only covers the vehicle itself.
Road hazard glass is optional insurance that many drivers choose to purchase as an add-on, and it covers you as an example if another vehicle tosses up a rock and breaks your window. If you buy comprehensive coverage, damage to glass that is caused by circumstances outside your control is covered. These circumstances include but are not limited to windstorms, hail, fire, vandalism, and theft.
If you have purchased a policy that includes coverage of rental vehicle costs, yes, your policy will provide coverage to rent a vehicle while yours is being repaired and that cost will be covered up to the limit selected on the policy.
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Testimonials
I went to this Knight Archer office to get a few important documents notarized. I was received by a staff at the counter and transferred my request to an official who dealt with my request. The notary who helped me with my documents provided me with the best service I've ever received thus far in Canada. She was very much courteous with the service and I just want to point out that Knight Archer staff does very well treating their customers. I appreciate it very much and encourage the management to continue doing the same.
Robin John
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I wanted to get home insurance and was helped by Karen Filleul. Being a first time home buyer, I couldn't have asked for a better person to help me with getting home insurance than Karen. She was extremely thorough, prompt and professional, and was able to get me the best deal. Thanks to her and the rest of the staff at Knight Archer for delivering top notch customer service.
Gagan Gill
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People from a variety of ethnic backgrounds work here making them great at serving and supporting a vast customer base.
Deej Patel
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I was blown away with the service I received here by both Lisa and Vlera. I had a bit of a complicated situation and felt caught between provincial systems but both women worked the problem with me until we had a good solution. Extremely helpful, professional and made what was tricky a good experience.
Tasha Cox
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The team is very good at Knight Archer Insurance, I visited that place first time and it's totally new place for me (New Immigrants In Canada) they explained everything with very easy way and gave me some extra knowledge about the future process as well.
Shail Patel
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