Auto Insurance

Get your free Alberta Auto Insurance quote from Leibel Insurance Group. For great coverage at competitive rates, visit us online or call 780-484-8880

Alberta’s Best Auto Insurance Provider

  • Auto Insurance quotes tailored to your needs
  • Over 30 years experience
  • Qualified and respected brokers

Driving in Alberta presents its own unique set of challenges, so you need insurance that is suited for the environment.

Personal auto insurance is an important consideration in Alberta, and it can be a major expensive. You are legally required to have certain types of insurance, but at the same time there are options that can affect your preimums and coverage.

We will work with you to find the insurance options that protect your unique lifestyle and family best. The end result is a policy that helps you feel safe, secure and protected for both you and your family.

To contact us for a car insurance quote, fill out the free quote request form above or call our office today!

To contact us for a car insurance quote, fill out the free quote request form above or call our office today!

Frequently Asked Questions about Auto Insurance in Edmonton, Alberta

Here are some commonly asked questions with the answers, concerning insurance for your motor vehicle in Edmonton.

Q. What is Car Insurance?

A. When you insure your vehicle, you are covering your financial and personal risk factors. For example, if anything happens to your car, you’ll want to make the necessary repairs (or replacement) with minimal out of pocket costs. In addition, you must be sure that all your legal liabilities will be paid. You also need insurance to cover injuries to yourself and others. This is why you should have an automobile policy on every vehicle you own.

Q. Who needs Automobile Insurance?

A. In Alberta, every vehicle owner must have insurance. This is the law. Types of vehicles to insure are cars, trucks, SUVs, recreational vehicles, and motorcycles.

Q. Is there mandatory Auto Insurance in Alberta?

A. Alberta drivers must have certain coverage items on their insurance policies. For example:

  • 3rd party liability insurance – suppose you are at fault in a traffic accident. You could be responsible for damage to other vehicles and injury claims for people in the other car. Liability coverage is there to pay for these expenses, and in Alberta you must carry at least $200,000 in coverage. Insurance companies have standard Liability coverage set to $1,000,000 and many recommend increasing your Liability to $2,000,000 as costs with claims have increased.
  • Accident benefits – this pays for expenses related to auto accidents, like income loss, medical bills, physical therapy, death and funeral expenses.

Q. What things can affect my Vehicle Insurance premiums?

A. Several factors influence how much you pay for insurance, such as:

  • Driving record – do you have several accidents or tickets on your record. This can raise your rates considerably.
  • Driving experience – young people under 25 are the highest risk group, so their premiums are higher, especially teenagers.
  • Coverage options – full coverage is more expensive, but covers more things.
  • Bad credit – you could be penalized for having poor credit rating.
  • Driving distance – shorter driving distance means lower premiums.
  • Number of vehicles you own.
  • Who you have your Homeowners Insurance with, combining policies can save money.
  • Deductible amounts.
  • Available discounts.

Q. What Automobile Insurance options do I have?

A. Your options depend on your situation. However, here are some of the available options:

  • Collision – pays for your vehicle damage when you are the driver at fault.
  • Uninsured motorists – suppose someone hits your car and they have no, or too little insurance. This options covers that gap and also covers hit and run incidents.
  • Comprehensive – covers non-auto accident damages like hail, wind, storms, fire, vandalism, and theft.
  • Deductibles – raising or lowering your deductible is an option. Higher deductibles lower premiums but at the same time, increase your financial risks.
  • Additional liability protection – you can raise your liability limits, and this is a good idea. In fact, with the high cost of accidents, many people are taking out one million dollars in coverage, to be safe.

Q. I have an older car that is paid for. Should I drop all Auto Insurance coverage except mandatory insurance, to save money?

A. This can sometimes be an effective strategy for lowering your premiums, but it depends on your situation. For example, for a car worth only a thousand dollars or so, you are probably better off with only liability and medical benefits insurance coverage. However, comprehensive insurance is fairly inexpensive and will pay for many types of damages so it may be worth keeping. Here is an example:

Jason R had an older car he drove back and forth to work. The car was worth about $2500, so to save money he dropped all coverage options he could. This worked out fine for six months, until a very large tree limb fell on his car during a wind storm. The car was demolished and if Jason had carried comprehensive insurance, he would have received the value of his vehicle in a settlement. But because he had no coverage, it was a complete loss.

Q. What should I do if I am involved in a traffic accident?

A. According to Alberta law, here are your requirements:

  • Stay at the scene of the accident
  • Render assistance or aid if possible
  • Provide information such as:
    • Name and address
    • Drivers license
    • Vehicle owner info
    • License plate number
    • Proof of insurance

More info is available at the Edmonton Police Service website.

Q. Should I use an Insurance Broker for my Car Insurance?

A. Brokers are independent agents who deal with a number of top insurance companies in Alberta. They can comparison shop policies on your behalf and find you the lowest possible rates and the best coverage options. This is a great way to get the right insurance without paying too much for it.

Q. Where are the best independent agencies for Automobile Insurance?

A. Leibel Insurance Group is a trusted and respected independent insurance agency. We have been serving Alberta residents for over 30 years and offer a wide range of personal lines insurance for your needs. We offer custom-tailored insurance and we have access to a number of insurance markets. We are licensed insurance professionals here to serve your needs.

Leibel Insurance Group offers flexible communications options. For example, we can be reached by email, phone (780-484-8880), fax, online, or you can drop by our office at #102, 17415 – 102 Ave in Edmonton.

To contact us for a Car Insurance quote, fill out the free quote request form above or call our office today!

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  • As I have been a customer for more than 10 years I can honestly say that I have never been disappointed by the customer service that the well trained staff at Leibel .I would recommend anybody I know to give them a try.

    Michael Ross