Frequently Asked Questions About Chestermere Auto Insurance
Here are some of our most frequently asked questions about auto insurance in Chestermere.
Is insuring a car different in Chestermere?
Insuring a vehicle in Chestermere is similar to insuring it elsewhere in Alberta. The rates may be slightly lower due to a lower claim and crime rate of the area. Your rates are more dependent on your individual factors like driving records, number of years you’ve been licensed, insurance options and the vehicle you drive.
Can you insure my high-value car?
Yes, we can insure high-value vehicles including collector cars.
How do I insure a teenage driver in Chestermere?
There are two ways to insure a teenager driver in Chestermere:
- Add them to your existing policy.
- Purchase them a separate Chestermere auto insurance policy.
The best option depends on your individual situation. It’s best to discuss your options with a broker directly.
Do I need auto insurance in Chestermere?
Yes, there is mandatory insurance in Chestermere. This is the accident benefits and third party liability insurance. All other coverage is optional. It may be a good idea to purchase additional insurance if you could not pay out of pocket to repair or replace your vehicle should something unexpected happen.
Do photo radar tickets affect my Chestermere auto insurance rates?
No, photo radar tickets do not affect Chestermere auto insurance rates. Any tickets you receive from an officer will count against your record and your insurance premiums.
Who sets the auto insurance rates in Chestermere?
Chestermere’s auto insurance rates are controlled and set by the Automobile Insurance Rate Board and the Office of the Superintendent of Insurance. Insurance companies control pricing on optional coverage as well.
Will I pay higher auto insurance rates because I live in Chestermere?
You may pay slightly higher than Alberta’s average auto insurance rates if you live in Chestermere. However, you will likely pay lower premiums in Chestermere than if you lived in Calgary or Edmonton.
Does my auto insurance cover me if my stuff is stolen from my vehicle?
No, auto insurance doesn’t cover personal belongings. These would normally be covered under your home, condo or renter’s insurance policies.
Am I covered if my vehicle is stolen?
You’re likely covered for theft if you have comprehensive coverage on your vehicle. If you do not have this optional insurance, you may not be covered for theft.