When it comes to car insurance, many drivers wonder if owning an older car means lower insurance rates. While it's true that some aspects of insuring an older vehicle can be less expensive, it's not always the case. This article will help clarify the difference between older cars and classic cars and some of the other factors that go into your car insurance premium.

DCPD is an insurance acronym that stands for Direct Compensation for Property Damage. DCPD was introduced in Alberta on January 1, 2022, as a part of the Alberta governments auto insurance reform measures. DCPD is used in several Canadian provinces including, Ontario, Quebec, New Brunswick, Nova Scotia, Prince Edward Island, and Newfoundland. The results of DCPD have been faster claims response, consistent treatment during claims, and drastically lower litigation costs.

As a driver, it's important to have insurance to protect yourself and others in case of an accident. In Alberta, the legal minimum car insurance is third party liability coverage. In this article, we'll cover what auto liability insurance is, what it covers, whether it's enough, and how much liability insurance you need.

If you’ve ever gotten a quote on auto insurance in Alberta, you may have heard the agent or the broker talk about insurance grid rates. If you’re not an insurance professional, the term “grid rate” probably doesn’t mean that much to you. Today we want to provide a short guide to understanding what “grid rates” are, what they do, and what it means for you.

When it comes to protecting your car, comprehensive car insurance is an essential coverage to consider. It provides coverage for your vehicle in case of theft, fire, vandalism, or other types of damage that are not caused by a collision with another car.

Driving convictions can have a significant impact on your auto insurance premium and driving record. It is important to understand what constitutes a driving conviction and the different infractions on the road. In this article, we will explore the various types of driving convictions in Alberta, from minor to major infractions, criminal code convictions, and what they ultimately could end up costing you on your insurance. 

Most people are familiar with the term “road rage” and have an idea of what it means. They would likely associate it with someone swearing and/or yelling at other drivers from their vehicle, honking unnecessarily, or generally driving unsafely out of agitation. This behaviour is actually more in line “aggressive driving”. You might be thinking that those sound interchangeable, but there is an important distinction between them.

If you've ever had an auto insurance claim you may have heard on of the drivers in the claim referred to as the "at fault" party. That's because most car insurance claims are paid by the at fault party's insurance company. So what happens if you don't know who the at fault party is? What happens in a Hit and Run. We sat down with Tammy Moody, Armour Insurance's, personal line's manager to find out if a hit and run accident will leave you high and dry.