Car insurance in Alberta? - The Horse Forum
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post #1 of 12 Old 06-09-2010, 12:11 AM Thread Starter
Join Date: Jan 2009
Location: Alberta, Canada
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Car insurance in Alberta?

I am wondering what to expect to pay for car insurance when I get my license. I have my learners right now and can take my driving test in the fall. I am hoping to buy a car of my own next spring. However I'm worried about the cost of insurance! lol!

My mom thinks it might be over a thousand dollars a year. Eeeek! Is there anyone who has any idea what I might be looking at? Maybe if I tell them I will drive ever so carefully they won't charge me as much??!!! I will phone the insurance companies closer to that time and find out for sure.

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post #2 of 12 Old 06-09-2010, 12:21 AM
Green Broke
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take drivers ed if you haven't already! It takes your insurance down quite a bit! :) even just a cheap drivers we will get you the same deal as a good one.

Sorry! That's the only tip I have!
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post #3 of 12 Old 06-09-2010, 01:19 AM
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I know it's different between BC and Alberta, but mine costs me $170/month so if yours only costs $1000/year then you're lucky!
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post #4 of 12 Old 06-09-2010, 10:38 AM Thread Starter
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Thanks for the information! I'm going to hopefully take a driving course soon. I'm not sure on how much I would pay - my mom was just thinking around $1000. I was also thinking that if my mom got the insurance under her name she would probably get better rates. Could I still drive the car? Or would I need special insurance?
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post #5 of 12 Old 06-09-2010, 04:59 PM
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Location: Sundre, Alberta, Canada
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I am 23yrs old, married and took drivers ed, drive a 2006 Jeep Liberty (Fully coveered) and my insurance is over $2000/year.
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post #6 of 12 Old 06-11-2010, 12:02 PM
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You most definitely willbe paying well over $1,600+ a year and to even get that quote you would only get colision on your car. There is NO WAY in heck you're going to be able to have anything under a grand, no way. If you manage to pull that off you're riding on your parent's current insurance.
It's taken me 8+ years of driving accident and claim free to get what I get and I have a brand new truck fully covered AND I'm an emergency health care worker with more driving licensure than your average class 5.

Tiff, you seriously need to go somewhere else for your insurance. What you're paying is outrageous!
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post #7 of 12 Old 06-11-2010, 12:35 PM
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Location: Alberta, Canada
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*puts on lecture cap*
Okay... insurance is one place you do not want to skimp on with your money. Especially as a new driver in Alberta, you do NOT want to skimp out on insurance. Being a new driver, you're more likely to get in an accident just because you don't have the experience, even if you are an above average driver.
Can you get cheap insurance? Oh yes, definitely - but it will only cover the most basic of basics, so if you're in an odd situation or have an accident or a vandalization that isn't covered by your insurance, you're on the hook to pay the full cost.
To give you an idea... I have complete comprehensive insurance so I have glass covered on my car. My car got broken into through the teeeeeeeny little triangular pane of glass on the rear doors (sedan) - I called around and that little pane was quoted to be $600-800 to replace. Since I had coverage, I only paid the $150 deductible, and the insurance company covered the rest.
Is my insurance expensive? Yep, but it is SO worth it. I have peace of mind knowing that I am covered for just about anything that could happen to myself or my car *knock on wood.*

My advice? Talk to a few big insurance companies, and speak directly to some reps. They will discuss all the options with you (that's their job - and they will help you) - that will give you a good idea about what you're going to pay for what where. It's going to be expensive, unfortunately - but you can make monthly payments so you don't have to come up with a few grand right on the spot.

If you take anything away from this, please please please do not go with a plan that is cheap; you'll pay for it in the long run. If you shop around you can find the best deal for you, absolutely, and as a younger woman with a brand new car, I can appreciate the expense and not wanting to pay an arm and a leg.

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post #8 of 12 Old 06-11-2010, 01:43 PM Thread Starter
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Location: Alberta, Canada
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Thanks for all the advice! I really appreciate it. I definatly want a good plan for insurance that will cover me if I get into an accident. However, if I'm listed as a secondary driver under my mom's insurance (I would pay it, she just would put it under her name), I would likely get a better deal - right? I also will be getting an older car and a used one too. I can't afford to buy a new one. That should cut the insurance down too, right?

I'll talk to some insurance companies and find out what they would reccomend for me.
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post #9 of 12 Old 06-11-2010, 05:07 PM
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Originally Posted by Equus_girl View Post
(I would pay it, she just would put it under her name), I would likely get a better deal - right?
Keep in mind that to improve your driving record from a 1 start driver to a 5 start driving holder, you need to have insurance under your name. Yes you would definitely be saving money under your mom, but you are not doing yourself any good.
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post #10 of 12 Old 06-11-2010, 05:20 PM
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Location: Edmonton, AB
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I moved to Alberta from BC were I was paying $125 a month for a 1 ton diesel fully covered. I moved to Alberta and got in an accident and now I pay $365 a month for my Ford Escape fully covered. I got a letter in the mail saying my insurance was going to drop to $165 since I have been ticket/accident free for 3+ years(yaaaaayyy!!!)

I took the drivers ed course in BC and it didnt do any thing for my insurance. It takes 10% off your insurance here but I know I paid $800 to take the course 4 years ago.

Just like JDI said...dont cheap out. I cheaped out when I first moved to Alberta and didnt get collision on my little car that I had. Got in an accident with no collision=your insurance sky rockets like mine did! I cant blame any one but myself for that one...
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