Car Insurance
Reliable protection, flexible options to save.
Working with a wide range of insurance providers, our auto advisors will help you get the lowest rates on the right coverage for the road ahead.
Your guide to car insurance.
Your car is important and having the right protection is a must. Our advisors are here to simplify the process and give you peace of mind. You have many options when it comes to choosing your auto insurance coverage. We’ll walk you through your choices and help you decide on the coverage that suits you best.
Get yourself covered.
Get your car insurance online, by phone or in person at your nearest branch.
You’ve got options
There are a range of optional coverages available to enhance your protection.
Third Party Liability
This protects you from the financial risk of an at-fault accident. It covers expenses such as repair costs, legal fees, and medical costs. While having this coverage is required, you can choose an amount beyond the minimum ($200,000 in most provinces).
Collision
Just like it sounds, this coverage protects your vehicle from collisions. For example, an at fault collision with another vehicle or an object.
Comprehensive
This is coverage for damage caused by something other than a collision. It includes coverage for damage caused by vandalism, fires, falling objects, or extreme weather.
Why choose Acera Insurance for car coverage?
Auto expertise and dependable service when you need it most, that’s us.
Auto Insurance Experts
Based on your unique needs, our expert Advisors recommend the right coverage options for you.
Multiple Way to Save
We offer car insurance from a wide range of insurers, so we can always find the best rates on the perfect 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.
Helpful tips from our advisors.
Car insurance can be complex but it doesn’t have to be. Take it from our advisors, they’ll tell you everything you need to consider to get on the road with confidence.
Answering your most common questions.
What is a deductible?
A deductible is the amount that you’re responsible for paying in the event of a claim. Deductible amounts can vary and they affect the cost of your insurance. Your advisor can help you choose the right deductible for your policy.
Can I use my personal vehicle for business?
Commercial auto coverage is necessary for personally owned vehicles that are used for business purposes – such as ridesharing or food delivery.
If you’re using your vehicle for business purposes, talk to your advisor to make sure you’re properly covered or contact one of our branches for more information.
How are car insurance rates determined?
When calculating your insurance premium, some of the factors that auto insurers may consider include:
- Vehicle make, model, year and safety features
- Your age and gender and marital status
- How long you have had your licence, your driving history including convictions and driver training.
- Your insurance history, which includes claims and how long you’ve had continuous insurance
- Where you live
- Other drivers in your household who are listed on your auto insurance policy
- How frequently you drive/how many kilometres per year
- If your car is also used for commercial purposes
- Market conditions and provincial regulation
Can I bundle my auto and home insurance together to save money?
Yes, also called a multi-line discount, some insurance companies offer discounts when you buy multiple types of insurance policies from the same provider. Ask your advisor about available multi-line discounts.
Personal insurance insights for your everyday.
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Alberta Auto Insurance Rate Pause
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