Auto Insurance Services
How We Work
We learn about your insurance needs
We shop insurers for the best deal
Select the best offer - Done!
Policies to Protect Your Vehicle
Your vehicle needs to be insured before you can drive it, but shopping for insurance isn’t always as straightforward as the road ahead. Get behind the wheel with confidence knowing you’re covered for the kinds of situations you’ll face as a driver. Let us give you the green light to find a policy that works.
What Makes Us Great
Local to Alberta
No 1-800 call centre numbers or impersonal customer experience encounters…
with us—we don’t outsource anything at Insureline Complete. Our team understands how insurance in Alberta works because we are local and understand how our market works.
Commodity Driven
Our unparalleled market access gives us a wider variety of providers and products to choose…
from. More variety makes it easier for us to find you the best deal on the coverage you need.
Price Sensitive
Choosing your coverage carefully can save you thousands of dollars—which is why we work…
hard to find you the most cost-effective policies for home, auto, and commercial insurance.
Service Oriented
We build relationships with our clients. In addition to finding the best policies for your insurance…
needs, we can educate you about different kinds of coverage. We also partner with other local professional providers (like mortgage brokers and realtors). We are very well connected in the community and like to consider ourselves a central hub for our clients who need access to other financial products and services.
Frequently Asked Questions
Do I Have to Get Auto Insurance in Alberta?
Driving an uninsured vehicle on public roads in Alberta (and anywhere else in Canada, for that matter) is illegal. So unless you plan to drive your car exclusively up and down the driveway, you’ll need to purchase coverage for your vehicle and update it each year.
However, buying vehicle insurance in Alberta can be complicated. More than 60 companies in Alberta offer some type of vehicle insurance—unlike provinces like BC, where all car insurance goes through a public corporation. Let Insureline show you your options so you can choose the best possible policy.
What Factors Affect Auto Insurance Costs in Alberta?
Vehicle insurance costs can be impacted by many factors, including:
- Your claims history
- Your credit rating
- Your driving record
- The type of car or truck you drive
- The age of your vehicle
- The mileage on your vehicle
- The colour of your vehicle
Because of this, estimating the costs of auto insurance without talking to a broker is extraordinarily difficult. We recommend using our online tool to get a general idea of the price range you might be looking at, but once you do, it’s best to speak with one of our members so they can collect the necessary details and find you a more accurate quote.
What Will Auto Insurance Cover?
Auto insurance can cover a wide variety of situations and damages. Here are some of the most common:
- Basic third-party liability coverage: this is the minimum required type of coverage for drivers, and covers potential damage your vehicle causes to another party or their property.
- Collision coverage: this covers damage to your vehicle incurred during impacts with other vehicles or objects.
- Comprehensive coverage: this covers damage to (or losses of) your vehicle from other situations, including theft, vandalism, fires, earthquakes, and more.
- Accident benefits: this kind of coverage can pay out for things like medical expenses, funeral costs, and income replacement for passengers in your vehicle if they are injured in an accident.
The exact details of how much coverage you receive for any of the situations above and what conditions must be met before a claim can be honored vary between providers and policies. Use Insureline to understand the differences between the policies available to you and find the most cost-effective option for your needs
How Is Auto Insurance Structured?
Most auto insurance policies are structured in one of the following ways:
- Actual cash value: this type of insurance covers the value of your assets after accounting for depreciation. Premiums for this type of coverage are typically lower than for other types, but you may not receive as much money for damage to older vehicles.
- Replacement cost: this type of insurance covers the value of your assets without taking depreciation into account. This makes restoring your vehicle to its original condition (or replacing it in the event of a total loss) easier, but may come with higher premiums than actual cash value policies.
Understanding what type of coverage will be best for you can be challenging—some vehicle owners may find that actual cash value insurance covers their needs, while others may find that paying for replacement cost insurance offers more peace of mind. When you work with Insureline, we’ll make sure you understand your options and help you choose the kind of insurance that works best for you.
How Do I File a Claim for Auto Insurance?
Filing a claim through Insureline is easy—just use our online claims tool to share key details with us and let one of our team members follow up. We’ll help you by determining:
- Whether filing a claim is a good idea. It’s not always advisable to file an insurance claim, even if you’re eligible to do so. Remember, every time you file a claim, your history changes and your premiums go up. We’ll help you figure out if the amount you’re eligible to receive justifies this added cost.
- The contact information for your claims adjuster. By referring you to the claims
department with your insurance provider, we can monitor the status of your claim and make sure all necessary documentation is filed appropriately. - How to move your claim forward. In cases where you’ve filed an insurance claim, we’ll provide support and guide your claims adjuster so that you can get the payout you deserve.
Do I Have to File an Auto Insurance Claim Through Insureline?
We strongly recommend filing your claim through us instead of contacting your insurance provider directly. There’s no benefit to not alerting us (we get notified when clients file with one of the providers in our network anyway)—but it’s easier for us to help you when we know what’s going on.
Remember, we’re not just your insurance brokers at Insureline—we provide support for your claims from start to finish. That’s what you get when you work with us.
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