Driving in Calgary is as much about timing as it is about patience – from the TransCanada through the mountains to the slow, icy commute along Deerfoot Trail. At PC insurance, we understand that when you’re driving out on those wild and untamed roads, you want to be carrying the most complete car insurance plan available.
As a car insurance broker, we shop at up to nine car insurance companies to ensure you receive the best rates we can get for your situation. And we are available 24/7 to help you with any claims.
When you pay your PC insurance premium with your PC Financial Mastercard®, you earn 2X the regular PC Optimum points – redeemable for free groceries, fashion and more at participating stores. Minimum redemption is 10,000 PC Optimum points (worth $10 in free rewards).
Visit pcoptimum.ca for details and full store list.
By comparing up to nine insurance providers in the Calgary area, our PC auto insurance brokers have the advantage of being able to choose from several different plans at once. We aim to provide you with a list of comprehensive car insurance options which work for you.
PC insurance works with the following auto insurance companies in Calgary:
Calgary is a big city with a downtown core, tons of different neighbourhoods and a surrounding area made for exploring. How and where you use your car plays a large role in determining your insurance premiums. Here are some of the important things to consider when it comes to your insurance rates:
In Calgary, trucks and SUVs reign supreme. But these giants can be more expensive to repair in the event of an accident. When insuring a vehicle, insurance companies also consider factors such as the likelihood of a vehicle being stolen and the cost of replacement parts.
If you have a long record of good driving behaviour, insurance companies are likely to see you as less of a risk than younger drivers with very little history. So, older drivers tend to pay lower premiums.
Where you live can play a large role in determining the insurance premiums that you pay. More densely-populated urban areas tend to have a higher rate of claims than rural areas. As one of Alberta’s major cities, insuring a car in Calgary may be more expensive than other parts of the province.
When speaking with one of our PC auto insurance brokers, be sure to tell them everything about how you plan to use your vehicle – frequency of use can impact the cost of insurance. Drivers that use their vehicle more frequently or who regularly drive longer distances tend to pay higher insurance premiums.
When determining your rate, an insurance provider will, of course, consider your driving record, along with your experience on the road. Drivers with a clean history tend to enjoy a lower rate than those with an accident on their record.
In Alberta, the Automobile Insurance Rate Boards manages the Grid Rating System which using a grid and a series of variables, sets the maximum premiums that serves as the cap insurers can charge for coverage. Insurance prices will differ based on a variety of reasons, including vehicle, age, gender, amount of coverage driving experience, and even where you live.
Every vehicle driven in Calgary must have at least the legal minimum amount of car insurance. On account of the provincial All Comers Rule, with a few exceptions, an insurer cannot lawfully deny the legal minimum amount of third-party liability coverage to a driver in Alberta. But considering the ever-changing climate and extreme weather conditions that you may encounter in the Canadian Prairies and the Rocky Mountains, high-levels of third-party liability coverage are strongly recommended.
Insurance providers, who offer many incentives to help drivers lower their rates and reduce their risk to insure. Here are some common ways you can take advantage of car insurance provider incentives:
As Alberta’s largest city, crime is an unfortunate reality for those living in Calgary. To help encourage the installation of anti-theft devices such as steering wheel locks, car insurance companies may offer special incentive discounts.
Bundling multiple insurance policies under one company can sometimes award some major savings. At PC insurance, for example, you are eligible Get up to 15% off your combined premium when you bundle home & auto insurance with the same provider.
Winter tires offer more traction and may help make driving safer under sub zero conditions, so some car insurance companies reward drivers who install winter tires on their vehicle. This discount can vary and may not kick in before a policy renewal.
If you own more than one vehicle, you may be eligible for savings on your auto insurance premiums if you insure all vehicles with the same provider.
Your teen just got their license – what now? Adding a new driver to your car insurance policy in Calgary can help better cover you and your teen for all situations. Here are a few things to consider:
Insurance brokers are experts on getting you the best rates they can for your situation. Our PC auto insurance brokers, for example, can consult multiple car insurance providers to help you find the most economical option for you and your young new driver.
If a teen seeks out car insurance on their own in Calgary, they might find themselves paying high premiums without the benefit of an extensive driving record. Providing your child is not listed as a primary driver, you might consider adding them to your existing policy to potentially lower their premiums.
In addition to getting your son or daughter prepared for the perils of Alberta roads, enrolling your new driver in an accredited driver’s education program may help lower their premium.
To insurance providers in Calgary, there is a difference between a teen using your car for a part-time job and using it for weekend excursions into the mountains. If you choose to add a new driver to your existing car insurance policy, provide as much detail as you can to ensure you get the right rates.
High-density traffic corridors such as Deerfoot Trail and unpredictable weather both contribute to greater driving risks for Calgary drivers. While driving risk is a factor in determining premium prices other variables such as vehicle, age, gender, amount of coverage driving experience, and even where you live contribute to how insurers price insurance premiums.
Every driver is different, and the same goes for car insurance policies and their coverage. Choosing the right policy for your situation is important.
Speak with one of our PC auto insurance brokers to see what kind of additional coverage might fit your situation.
In Calgary, there are mandatory types of car insurance which must be present to legally insure a vehicle.
These four types of auto insurance are required by law in Calgary:
In accidents where you are liable, this type of insurance provides coverage for you in the event of an ensuing lawsuit.
Injuries sustained in an accident and their resulting medical costs fall under this type of car insurance.
When your vehicle is damaged and you are either not or only partially at fault, this type of insurance will cover you.
Hit-and-runs happen and so do accidents with uninsured drivers. This insurance covers you in both instances.
These two types of car insurance are optional additions from PC insurance:
Comprehensive: Of particular interest to urban drivers, this type of insurance covers your vehicle in instances of theft, fire or vandalism.
Collision & Upset: This type of car insurance covers damage caused to you vehicle by impact with another car, roadside object, or any damage sustained in a roll-over.
Any damage done to your vehicle during an impact, whether with another car, a roadside object, or any damage sustained during a roll-over, is covered by this type of additional insurance.