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Frequently Asked Car Insurance Questions

Leibel Insurance Group

Toll Free: (855) 906-6351
Edmonton Local: (780) 484-8880
Calgary Local: (403) 910-1848
Fax: (780) 484-7879
Email: [email protected]

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Mary Jarvina
Mary Jarvina
18:49 22 Aug 18
Krista Wilson is super duper awesome! She got everything done in a timely manner and I am so impressed with her customer service. I've dealt with the run around with other insurance brokers and she was straight to the point. Thanks Krista 😀
Gillyn Parker
Gillyn Parker
22:00 30 Aug 18
I had issues with my previous insurance provider so I went looking for a new one. Found Sarah Milenbach from Leibel Insurance Group Edmonton was amazing! She is kind, thorough, and incredibly helpful! I am very impressed and happy with the service and my new policy. I highly recommend!!
Danny Greenbank
Danny Greenbank
19:25 17 Aug 18
Jessica was amazing to deal with! From getting quotes to answering questions to finalizing paperwork she was prompt and attentive. I put a high value on professional and quality service and I believe as long as she is in the business I will be dealing with her. Thank you so much for everything!
Kristina Free
Kristina Free
22:55 30 Aug 18
Tracey Leblanc gives excellent service. No matter what my questions are or the time of day I email/contact her, she is always prompt with her reply. Extremely prompt customer service! Best Insurance I have ever delt with! Thanks Tracey !! Highly Recommended !!
Ryan Maas
Ryan Maas
16:48 17 Sep 18
Amazing group! They always look after my needs and are informative and prompt. Keep up the great work! Thanks!
Allie Morris
Allie Morris
17:13 13 Oct 18
I was at my wits end with my previous insurance broker as I got 3 business day notice before my policy (which is suppose to automatically renew) was no longer offered with my current insurance broker. So my rates have tripled and they just wanted me to settle with my new policy and didn't help me get a lower rate with another insurance company. Krista Wilson with Leibel was a breath of fresh air she was super helpful, quick and found me the best rate that almost matched my current rate and she even assisted me letting me know the paperwork I needed to find to get an even lower rate. You can tell she really loves and enjoys her job and helping people out.
Zeeshan Jamil
Zeeshan Jamil
16:53 30 Oct 18
I recently purchased my commercial van Insurance through Leibel Insurance Group. I was helped by Monique Bradley. I usually don't write much reviews, But her service inspired me to go and write a comment as people like her needs to be appreciated because I believe she stands out in her skills. She was very knowledgeable, she listened to me very carefully and understood very clearly what I wasnt in my policy and then tailored it with perfection. Therefore I highly recommend Leibel Insurance group and especially to ask for Monique Bradley... Cheers!!!!!
VK Marquez
VK Marquez
16:58 23 Oct 18
Dealing with Krista was fantastic!! I called in on behalf of my mother in law with hopes of getting her insured. Krista was attentive and on top of it all. She was thorough, kind and courteous from beginning to end. She replys quickly to your questions via email or phone. She was busy at a convention, left so that she could help us with finalizing our policy. Thank you Krista for all of your. Come January, I will be contacting Krista directly to obtain a policy of my own.
Allan George
Allan George
16:47 30 Oct 18
Monique at LIG has been more than helpful and polite on every occasion/interaction. I've never had such exceptional service. She is extremely organized, punctual, and personable. I would recommend Monique to anyone looking for insurance help in a heartbeat.
Rae Shungur
Rae Shungur
19:02 22 Oct 18
Travis and his team were amazing! Understanding my insurance needs didn't have me in tears...for the FIRST TIME EVER! They were timely, caring and I felt like I was their number 1 priority. Thanks again!!!
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We are back with more questions answered, learn more about Car Insurance. You asked, we answered! Here are some frequently asked questions about car insurance.


If I lend my vehicle to my neighbour or friend do they have coverage? If the person borrowing your car gets into an at fault accident, this loss will go against the vehicle owner’s insurance. However, if you have claims forgiveness, this loss will not affect your premiums unless you have another at fault accident within a 6 year time frame.

Why is my car insurance going up? Auto insurance is based on a few factors, driving record, rate increases due to government revised rating. As well as any claims that occur during the previous year.

Should I package my home and auto insurance together with the same carrier? Yes, because this provides you with up to 20% of savings for having multiple policies.

If I have my home and auto with the same company but different brokers, do I get the discount? No you must have all policies at the same brokerage to receive multiple policy discounts.

Does my credit rating influence my car or home insurance premiums? Companies now will use a soft credit check to apply additional discounts to clients, credit score and details are not provided to the insurance company or brokers. Good credit scores can obtains additional savings.

Will I have to pay more insurance because I am under 25? Yes, the likelihood of an individual having claim in the first 2 years of having driving insurance are at a higher risk than at a later age with more experience.

Do I need to add my child who is under 25 to my auto insurance? Yes, if they reside in the same household.

With all insurance companies it is advised that if any changes occur in the house hold, they should be notified. This includes new drivers having access to the keys and vehicles of the house hold. An underage driver would normally be added as an occasional driver to one of the vehicle’s in the house hold. In the event of a loss the company will be able to see that the driver had consent to drive the vehicle and assign the claim to the underage driver that was driving at the time.

Does the color or body style of my vehicle effect my rate? Body style yes, color no. Insurance is based off of the VIN of the vehicle. Based off of a rate group, govt assigns rates based off of collected data, and applies those to the insurance companies.

Do I have glass coverage on my auto insurance? You can have the coverage, normally the coverage through the insurance company will be with a higher deductible and higher premium compared to AMI Glass.

Does how I pay for my insurance effect my premiums? Yes, if you choose to pay in full there is no financing charge. Most companies will charge a finance fee of approximately 3 % for monthly or a service charge for 2-4 payment options.

Can I get coverage to replace my brand new if it is written off? Yes, you can! With any vehicle that is purchased brand new within the first 3 years they qualify for Waiver of deprecation can be purchased which will pay out based on what you paid or MSRP whichever is least of the two.  Another coverage that can be purchased is replacement cost, this coverage is available for 5 years and gives the client the ability to get a brand new vehicle of that make and model.

My car has aftermarket rims, how do I ensure that? It is advisable that you let your broker know of any aftermarket materials added to your vehicle.

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