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As the largest city in Alberta — and the fourth-largest in Canada — Calgary has a population of 1,239,220 (2016 census). Located approximately 80 km east of the beginning of the Rocky Mountains, Calgary is a city known for having a high quality of life, access to world-class outdoor activities, and a vibrant, ever-expanding downtown core. The economy of Calgary is based largely on the energy sector, strong technology, manufacturing, engineering, tourism, and entertainment industries. Drivers in Calgary are familiar with cold winters, heavy traffic, and never-ending construction.
Facing some of the country’s highest auto insurance rates, it’s important that Calgary motorists use rate comparison sites to find coverage that doesn’t break the bank. Surex welcomes the opportunity to help Calgarians find just what they’re looking for.
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- Compare your options. One of the most effective ways to lower your car insurance premium is by comparing your options. By visiting a rate comparison site, such as Surex, Calgary motorists can readily compare rates from a number of Canada’s foremost insurance providers. Instead of automatically renewing your car insurance with your current provider, take a couple of minutes and see what else is available. Because rates can change regularly — and because your personal driving situation can change, too — it’s important to get a new quote every year before your renewal. A small drop in your monthly payment can go a long way over the course of a year.
- Bundling discounts. Many Calgary drivers are also homeowners, and therefore hold multiple insurance policies. If you also own a home — or if you rent — speak with your Dedicated Insurance Assistant about bundling your policies with the same insurer. Doing so can save you up to 10% on your home (or condo or tenant’s) insurance, and up to 15% on your vehicle insurance. It’s also an easy way to sync your payments and streamline your finances.
- Complete a Safe Driver Training. Successfully completing a driver’s education course is a smart thing to do for a number of reasons. First of all, it’s a great way to learn the rules of the road and reduce your chances of being involved in a motor vehicle accident. It’s also an easy way to save money on your car insurance premium. For their first three years on the road, Safe Driver Training graduates can expect a discount of up to $1,500 on their annual insurance premium.
- Never miss payments. Insurance companies love low-risk customers, and one of the easiest ways to show them you’re low-risk — in addition to driving safely and avoiding making claims — is by never missing a payment. Whether you automate payments through your bank account, or you provide your banking information to your insurer so they can withdrawal monthly installments, the important thing to do is never miss a payment. Over time, this will result in you being viewed as a valuable, low-risk customer, and eventually you will see falling auto insurance premiums.
At Surex, our three-step process will ensure that you end up with the best car insurance available in Calgary. Here’s how it works:
- Personalized insurance quotes: Surex will capture some of your basic information — either by phone or online — and then shop the market for you. In under 10 minutes, you’ll have up to 10 personalized insurance offers to choose from.
- Customize your offers. Once you receive the initial quote, you can edit your information and compare quotes to find the best overall value.
- Purchase and manage 24/7. Once you’ve selected a quote & reviewed the policy with your dedicated assistant, you can electronically sign documents to receive an instant proof of insurance. If you’d rather speak with with someone we will connect you with a Dedicated Insurance Assistant to walk you through all the options and answer any questions you might have. Once finished, your documents will arrive in the mail and you can manage your policy 24/7 with our ‘My Surex’ login feature.
- Be highway smart. Surrounded by no fewer than five major highways — the Trans-Canada Highway, Highway 1A, Highway 2, Highway 201, and Highway 8 — Calgary drivers are no strangers to congested freeways and speedy throughways. Before setting out on one of these major routes, drivers should be prepared with their route planned in advance, a well-maintained vehicle, a solid understanding of how to handle poor weather conditions, and confidence when sharing the road with large trucks and tractor trailers.
- Get ready for the snow. Calgary is known for their heavy snowfall, so be sure you’ve checked off every item on your winter driving list, including properly inflated winter tires, a fully-stocked emergency kit (including blankets, non-perishable food items, drinking water, candles, matches, and flares), a gas tank that’s at least half full, a fully charged mobile phone, and pre-programmed GPS (never program of your navigation device while operating your vehicle). And remember to drive slowly and with extra caution in wintery conditions; you’ll need more time for stopping, turning, and merging.
- Watch for pedestrians and cyclists. Although Calgary is known as a car city, many people get around on foot and bike. This is especially true in the downtown core and around schools and campuses. Always leave ample room for pedestrians and cyclists, be mindful of crosswalks and intersections, and drive carefully when driving through the city’s many residential neighbourhoods.
- Construction. Like many of Canada’s major cities, Calgary faces ongoing construction. As a driver, it’s your responsibility to pay attention to your surroundings. If you see construction, detours, narrowed lanes, workers, or machinery, proceed with caution. Dealing with construction can be frustrating for everyone in Calgary, but rushing and causing an accident will only make the situation worse.
- Bowness Park
- Edworthy Park
- Prince's Island Park
- CF Chinook Centre
- CORE Shopping Centre
- CF Market Mall
- Studio Bell, home of the National Music Centre
- Fort Calgary
- Calgary Tower
Questions to ask your Dedicated Insurance Assistant:
Auto insurance rates are based on a number of variables, many of which vary from driver to driver. Therefore, it’s difficult to say how much auto insurance will cost. Insurance companies take into consideration the age, sex, gender, marital status, occupation, driving history, and location of the driver, in addition to things such as the make and model of the insured vehicle. From the perspective of insurance companies, the objective to determine how likely you are to make a claim, and if a claim is made, how much that claim will cost them. Based on their calculations, they will determine if you’re a high-risk driver (higher rates), a low-risk driver (lower rates), or somewhere in the middle.
You don’t necessarily need a driver’s licence from Alberta in order to insure a car in Calgary. For instance, you can hold a license from another province or territory, but you do need to be a properly licensed driver in order to obtain auto insurance in Calgary. In addition to a valid driver’s license, you’ll need the following: driver’s education certificate (if you’ve completed a program), vehicle registration information, license plate number, driving history, information regarding all drivers who will regularly drive the vehicle, and payment information (void cheque, credit card information, bank account details).
Comparing your rate with Surex means that in only a few minutes, you’ll be able to get quotes from up to 10 of Canada’s leading auto insurance providers. You’ll not only find the lowest car insurance rates available, you’ll be able to speak with a qualified Personal Insurance Assistant, who can help you determine what coverages you need and what discounts you qualify for.
Although Collision and Comprehensive auto insurance coverages are often spoke about in the same breath — and are often bundled together by insurers — they are in fact different coverages, and you can typically elect to have different deductibles for each. Collision coverage protects the policyholder’s vehicle against damages resulting from an accident, whether or not it was an at-fault accident. On the other hand, comprehensive coverage protects your vehicle to all damages not related to an accident, such as theft, fire, vandalism, and weather-related perils. The two coverages are often bundled together to give vehicles the most robust form of protection available.
If the driver you intend to add to your policy is fully licensed, you can add them to your policy. But whether or not adding them will be cheap depends on a number of variables. Your insurance company will look at the additional driver’s age, sex, driving history, city of residence, frequency of vehicle use (who is the primary driver vs. who is the secondary driver), and vehicle make and model. While it’s tough to generalize, it’s safe to say that adding an inexperienced or high-risk driver to your policy will raise your premium more than adding an experienced, low-risk driver. To be sure, speak with your Dedicated Insurance Assistant about how best to proceed.
Insurance rates in Calgary are on the high side for Alberta. Overall, Alberta residents pay lower insurance rates than other provinces, but Calgary is one of the highest insurance rate cities in Alberta. Your Dedicated Insurance Assistant will help you get a car insurance quote that makes sense for you, based on your vehicle, driving habits, postal code, and previous insurance and driving history.
Surex will help you find an insurance rate that works for you by comparing insurance quotes from our Alberta insurance partners. The best way to find great insurance coverage with a rate that works for you is by comparing insurance quotes from more than one insurance company, and Surex specializes in helping you get all of the best quotes from the insurers in your area.