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Edmonton Car Insurance

Quality auto insurance in Edmonton

We know that for an Edmontonian, your vehicle is part of your lifestyle. Whether you use it to tow your trailer for a weekend out in the Rockies, load it up with your kid’s hockey equipment or helping a friend move – you need to be sure that your auto insurance meets your needs.

Acera Insurance has been insuring vehicles of all types for more than a half-century. Our auto insurance broker’s provide comprehensive coverage on a variety of vehicles for all types of owners and have the experience to recognize your protection needs and tailor your car insurance quote to your budget.

Why do I need car insurance in Edmonton?

Vehicle insurance is mandatory for all drivers in Edmonton by law and requires accidental benefits and third-party liability insurance. A lot can happen in the blink of an eye – and auto insurance can save you a lot of money and stress in the event of an accident.

Car or auto insurance helps protect you from:

  • Liability claims if you are found responsible for an accident that causes damage to another person’s vehicle or injuries because of the collision
  • The cost of repairs to your car or others if it’s in an accident or damaged

If you are unsure about the coverage you need, our auto insurance brokers at Acera Insurance can help you find the right vehicle insurance.

Edmonton auto insurance coverage options

You should know what you are paying for when it comes to your auto insurance coverage. No two drivers are the same so your coverage shouldn’t be.

When deciding on your auto insurance you should know what these types of insurance coverage apply to:

  • Third-party liability – protects you from being sued for causing an accident or damage to somebody else’s property. A scenario for a claim like this could include if you had a collision with a cyclist that injured the person and bike.
  • Property damage liability – helps to pay for the damage caused to another’s property or vehicle. It typically covers the cost for repairs if you are found at fault for an accident.
  • Comprehensive coverage – includes repairs for damage to your vehicle outside of collisions. This can include vandalism, fire, flood, windshield damage and an Alberta favourite, hail.
  • Collision insurance – coverage that helps pay to fix or replace your vehicle if it’s damaged by another vehicle or an object. This is usually optional if your vehicle is paid off. However, financed or leased automobiles usually require collision insurance by the lender.
  • Accident benefits – provide support and compensation (regardless of who is it at fault) if you, one of your passengers or a pedestrian is injured in a car accident.

There are many options available for vehicle insurance. Talk to an Acera Insurance auto insurance broker for more details.

Direct Compensation Property Damage Auto Insurance in Edmonton, Alberta

Alberta has changed how vehicle damage claims are handled after accidents.

As of January 1, 2022, your auto insurance policy will now include mandatory Direct Compensation Property Damage (DCPD) coverage. The goal is to simplify the claims system, making the process faster and easier for you.

DCPD does not change your overall coverage, only who pays for the physical damage.

  • If you’re involved in an accident where another driver is at fault, your own insurance company will pay for repairs to your vehicle.
  • If you’re partially at fault, your DCPD coverage will only cover a percentage of repairs.
  • If you’re at fault, you will not have coverage under DCPD, and you’ll need collision or all-perils protection to have repairs to your vehicle covered.

Edmonton DCPD FAQs

Why choose Acera Insurance for your Edmonton car coverage?

Auto expertise and dependable service when you need it most, that’s us.

Auto Insurance Experts

Based on your unique needs, our Edmonton car insurance brokers recommend the best coverage options for you.

Multiple Ways to Save

We offer auto insurance from multiple insurers, so we can always find the best rates on the right coverage.

Emergency Claims Reporting

Our claims reporting line is available 24/7 if you need to report a claim. Our in-house claims adjusters are available to act on your behalf.

Understanding Edmonton auto insurance rates and how to save on your premiums

At Acera Insurance, we believe in making insurance easy to understand. Below, we outline the key determining factors which influence auto premiums in Edmonton. We also share advice on how Edmonton drivers like you can reduce your car insurance premiums.

What impacts the cost of car insurance in Edmonton?

There are several factors that can impact the price of your auto insurance. While some of them are within your control such as your driving record – others, like your age, are not.

Factors impacting your car insurance can include:

  • Your vehicles make and model.
  • Your age, gender, marital status, credit history and address.
  • How much annual mileage you put on your vehicle.
  • Your driving record and whether you have received high-risk violations such as driving under the influence.

Rates can be calculated differently depending on the insurance company which is why it’s a good idea to talk to an Acera Insurance auto insurance broker about finding coverage that works with your budget.

Tips for reducing your Edmonton car insurance premiums

Looking to save on auto insurance in Edmonton? Here are practical ways to help lower your car insurance costs:

  • Maintain a clean driving record by practicing safe, defensive driving.
  • Install anti-theft and security devices in your vehicle to reduce risk.
  • Explore usage-based insurance programs that reward safe driving habits.
  • Consider alternative commuting options like public transit, cycling, or walking when possible.
  • Avoid lapses in coverage, as gaps in insurance history can increase your premiums.
  • Bundle your Edmonton car insurance with home, tenant, or life insurance to unlock multi-policy discounts.
  • Equip your vehicle with winter tires during colder months to lower risk and qualify for discounts.
  • Complete a certified driver’s training course to demonstrate low-risk behavior, especially for new drivers.
  • Stay alert to insurance fraud or staged accidents, which can raise rates for everyone.
  • Avoid minor claims if you can afford to pay out-of-pocket—this can help keep your premium down.
  • Review your policy annually with a knowledgeable Edmonton insurance broker to ensure you’re getting the best value.

For more helpful advice, connect with one of our friendly, local insurance brokers.

We have been assisting our clients in finding the right auto insurance coverage for over 60 years. Our team of auto insurance brokers will listen to and work with you to find a quote that fits your budget and provides the coverage for your lifestyle.

As one of Alberta’s Top Employers, Acera Insurance is committed to ongoing professional development and fostering a positive workplace culture—so you receive exceptional service every step of the way. Here’s how our Edmonton insurance brokers can support you:

  • Assess your unique car insurance needs in Edmonton.
  • Provide competitive Edmonton auto insurance quotes.
  • Serve as your trusted advisor and insurance expert.
  • Advocate on your behalf throughout the claims process.

We also offer all of our clients a 24/7 self-serve option through our online portal and mobile app. You can view the details of your car insurance policy, view and print your pink cards, request a policy change, submit a claim, and more.

You can request an Edmonton car insurance quote online, by phone, or stop by one of our offices.

Find an office near you

Phone: 1.800.565.8132

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