Finding car insurance can be a difficult and stressful process, especially for those who don't have much experience when it comes to average rates and coverage. Luckily, the knowledgeable team at InsurEye knows exactly how to find the best auto insurance in Alberta, and for the best price! With a solid team of professionals on your side, there is no need to worry about finding cheap auto insurance that fits your needs. The Many Ways to Save on Auto Insurance in Alberta There are many factors that affect car insurance rates in Alberta, from the condition of your vehicle to where you drive and park, or even your educational and driving history! The following are just a few of the ways that you may be able to save on your auto insurance rates. By starting with an online comparison, you will be able to check average auto insurance rates in Alberta. If you've been with the same insurer for a long time, it may be difficult to beat their rates (especially if you haven't had any recent claims), but it's always worth looking. If you don't have a good driving record, keep in mind that this will only affect you for approximately three years. At that time, previously incurred tickets will be removed from your history, and your premiums may be reduced. If you haven't done so already, you can complete a driving course in an attempt to reduce your insurance premiums with some insurance companies. If the car you're currently driving isn't worth very much, consider only getting the minimal coverage required by law, without collision damage. This will likely mean that you'll have liability insurance, and will still be protected if you damage someone's vehicle, but the damages on your own vehicle will not be covered. If you're a more experienced driver, you may be able to save by increasing your car insurance deductibles, and thus incurring higher payments for damages in case of an accident. Something as simple as where you park your vehicle can also affect your insurance rates. By parking in a safe location, like a private or secure garage, you will likely receive lower premiums. If you need multiple kinds of insurance coverage (like auto, home, and life insurance), many companies will give you the option to bundle them together for a discounted rate. Graduates of certain Canadian universities may be eligible for a discounted rate from some insurance providers. Some insurance providers will offer a discount to members of certain professional organizations, such as Certified Management Accountants of Canada, or The Air Canada Pilots Association. As a senior citizen, you will also be able to save, since most companies offer discounts to seniors. To discover more ways to save, contact InsurEye today. By filling out our online insurance quote form, you can connect with an experienced insurance professional who will help you find the perfect plan. Understanding Auto Insurance in Alberta When choosing auto insurance, it's important to understand the kinds of insurance available to you. This will ensure that you choose a plan that works best for you, and that you don't end up paying for things you don't need. Although auto insurance is required by law in Alberta, the government only regulates the minimal amount of third-party liability insurance on your automobile, which is $200,000. In contrast, we recommend having at least $1,000,000 to $2,000,000 in liability coverage, to protect yourself and your finances, should an accident happen. Alberta uses an "at-fault" insurance approach for bodily injury and vehicle damage liability. In contrast, the province uses a "no-fault" approach to accident benefits coverage, meaning that each insurer pays the claim of its policyholder. Car insurance rates in Alberta are at an average of $110 per month, which are not the highest in Canada. Still, it is important that you understand what is offered, in order to properly search for the best price. The Types of Automobile Insurance Offered Starting with basic coverage, all drivers within the province of Alberta need personal liability and property damage (PLPD) insurance, which is also referred to as third-party liability insurance. This is legally mandatory in order to drive within the province, as it covers damages caused by your vehicle to another person or their property. Although the minimum is currently $200,000, it is wise to seek a higher coverage amount, as stated above. Alberta also requires drivers to have accident benefits coverage, as this covers the passengers of a vehicle, in the event of injury or death. Regardless of who may be at fault, this kind of insurance will cover medical and rehabilitation costs, funeral expenses, death benefits, and income replacement, depending on the situation. Accident benefits will also give you uninsured motorist coverage, in the event that you are involved in an accident with an uninsured driver. Although third-party liability and accident benefits insurance are the minimum requirements necessary to drive in Alberta, there are other types of coverage that may interest you. Collision coverage, for example, will cover any repairs to your vehicle that have been caused by an accident with another vehicle or an object. Best of all, the repair or replacement of your vehicle is covered, regardless of whether or not you are at fault for the damages. Comprehensive insurance goes a step further, by covering damages to your vehicle that were not the result of an accident or collision of any kind. This insurance protects your vehicle from threats including fire, theft, vandalism, and environmental or weather-related damages. This is the greatest degree of coverage available through an auto insurance policy. If you don't need such extensive insurance coverage, specified perils insurance offers a happy medium. Specified perils insurance offers more protection than collision insurance, but is not quite as extensive as comprehensive insurance. This type of insurance covers damages caused by the perils that you specifically name within your policy, which are not the result of a collision. This way, you can choose what you're insured for, and whatever perils are not named specifically will not be covered. Trust the Team of Experts at InsurEye Auto insurance does not have to be a scary or difficult process. At InsurEye, we are passionate about helping our clients find the best possible insurance prices, for policies that suit their specific needs. Whether this is your first time shopping for insurance, or you've done it multiple times in the past, it is our hope that we can find you a better price, without sacrificing coverage. See how much you can save on auto insurance in Alberta with the help of InsurEye! Article Source: http://EzineArticles.com