Contact us

1 (587) 410-7455

Send us an email!

Contact details:


Your message has been sent successfully. Close this notice.

Home insurance Quote

Building Value (if a homeowner) $

Contents Value (if renting or a condo) $

Your house:

Contact details:

Your Quote Form has been sent successfully. Close this notice.

Auto insurance Quote

Collision Deductible Requested: $

Fire Theft and Vandalism Deductible $

Contact details:

Your car:

Your Quote Form has been sent successfully. Close this notice.

Commercial Property & Liability Insurance Quote

Building Amount (if owned)

Contents Amount

Liability Amount $

Contact details:


Your Quote Form has been sent successfully. Close this notice.

Farm insurance Quote

Amount of Liability: $

Contact details:

Your Quote Form has been sent successfully. Close this notice.
24/7 Anytime Access
3 years ago · by · 0 comments

Car Insurance For Young Drivers: Facts You Must Know

You have just passed your driving test, and your parents are making you choose a car. When you have completed both, it is time to deal with the car insurance. If you think you can drive away without buying car insurance, you are breaking the law. When caught, your car will be impounded, you’ll be issued a penalty fine, and you will have to pay a considerable amount to get your vehicle released.

What’s worse is that when you get into an accident without car insurance, you will be liable to cover the expenses of everyone’s injury and damages to property, even if you are not at fault. The mere fact that you have been driving around Edmonton without car insurance is already thought of as an irresponsible thing to do. You could lose your license and your chance to drive home your dream car.

So while it may seem all too overwhelming to pick just one car insurance policy among the many that seem to outweigh the others before it, you just have to deal with it. The cost of insurance today is nothing compared to the amount you lose if you drive your car around town without it.

Car insurance sold for young drivers are usually the most expensive. As a new driver, one must know the difference between coverage levels and how various factors affect the amount of money you need to pay. What are the details that you must know about car insurance for young drivers like yourself? How do you get your hands on the best deals with the lowest premiums?

Apart from your age, other factors come into play when the cost of your car insurance is calculated. The choice of your car as well as what you do for a living. How much you drive and the area where you live are all included in the computation of the risks that you come with. Insurance companies look at the dangers because ensuring your car is an investment for them. They could lose a lot if they charge you less than all the calculated risks combined.

But the good news is that your insurance rate becomes lower as you age. The impeccable driving record that you made for yourself will help you get less insurance. The less parking or traffic tickets you get, the better driver you become as you age. The insurance rates will drop significantly. If you are not sure if the policy you are looking at provides that protection you require, it is best to consult with an insurance advisor. They can answer all the questions you may have and may even provide insight on what you can expect.

Read more

3 years ago · by · 0 comments

How To Choose The Right Level Of Coverage For Your Car

Everyone who wants to own a vehicle is legally obliged to buy car insurance. There are various considerations to make before you find the right policy that best fits your needs and covers the risks that you may find yourself in. In fact, most insurance experts qualify that car insurance may be classified into three distinct levels and the most comprehensive one is usually the most affordable. It pays to know what you need and what you can afford.

What Type Of Car Insurance Do I Need?

Your need for coverage may depend on how often you use the vehicle and for what. Yes, you are legally bound to buy at least the most basic of insurance policies. It is often referred to as the third party insurance. This type of insurance covers the damages that an accident may incur on the third party. Even if you don’t drive the car, you must have this insurance, at the least. Perhaps the only time you are excused from buying car insurance for your vehicle is when you officially register your car as off the road. Even this will come with a certificate.

What Are The Three Levels Of Car Insurance?

·         Third party insurance

·         Third party, fire and theft car insurance

·         Comprehensive car insurance coverage

What’s The Difference Between These Three?

The third party insurance is the most basic you need to buy. This coverage includes all the other people and properties involved in the accident except you. If you have injured somebody during a crash, their medical expenses will be covered. But if your car gets damaged or stolen, you will have to pay for everything yourself. Although at a glance, this type of insurance may be the cheapest, but not in the long run.

A third party, fire, and theft car insurance is much like the first level insurance because it only covers other people. The only difference between the two is that it includes damages to your vehicle. It also covers the replacement of your car in case it gets stolen.

Fully comprehensive insurance coverage is the highest level of all types of car insurance. In the beginning, it seems like it’s the most expensive, but in truth, it is actually where you can get all the savings. With this insurance, you can claim for:

·         repairs to your vehicle after the accident

·         accidental damages

·         vandalism to your car

Whichever you end up choosing, it is best to consult with an insurance advisor. They can help you calculate your risks and decide on the best policy that will cover all your needs.

Read more

3 years ago · by · 0 comments

How Much Car Insurance Do You Need?

You probably think all car insurance policies are the same. Nobody could blame you for feeling such considering that most insurance companies promote their policies in the most exciting way they know how. Some of them highlight the benefits that you can avail of if you purchase your insurance coverage from them, while others will speak to you about the savings you can get when you buy from them. However, what most car owners should realize is that every car insurance provider has got a different set of benefits to offer. All you need is to find the one that suits you and your needs.

Every car insurance program is different. There are those that offer higher personal injury coverage while others include the damages that may be caused to the other car or property involved in the accident.  And then some programs provide a comprehensive coverage. When dealing with various types of car insurance programs, it is reasonably easy to find one’s self-confused as to which of these programs are perfect for your needs.

How much car insurance coverage do you need? The best way to know is to talk with an insurance advisor. You can talk to them about your concerns. They can give you advice on the most efficient way of getting yourself covered. The next best step to take is to talk with your insurance providers. It is probably wise to ask your home insurance or personal insurance coverage provider if they will cover own injury protection. You won’t need to spend much on personal injury protection if the other insurance programs that you have will include it.

However tempting it may be to get yourself underinsured, it is always best to get an adequate coverage when it comes to car insurance. Whether you travel across town or mostly go on out-of-town trips for your work, it is best to purchase insurance that will cover your needs. Being underinsured may mean lower monthly premium, but it could mean more cash-out for you in case of an accident. That would not mean big help at all. Instead, it will cause more problems on your end.

If you have to choose which type of coverage you should require, then, it is best to get collision and comprehensive insurance to make sure that your car will be repaired or replaced in case of an accident. These policies come with a deductible. Make sure to consider the many factors that come into play when buying car insurance. Ask your insurance advisor about it to get the most out of the policy you are buying.

Read more

4 years ago · by · 0 comments

Car Insurance Myths Explained!

How much of your car insurance policy do you understand? If you hadn’t read the policy itself but signed up for it anyway, then you are much like everyone else. Most car owners have not read their policy before they signed up for it. Some of them trust their insurance advisor about the details of the policy that they no longer go through it until they get in a car accident and they need to know if the insurance covers it or not.

Here are some of the most popular car insurance myths that every car owner should understand more:

· You can only shop for a new car insurance policy when the old one has expired.

In truth, buying new car insurance when the old one has expired might be a bit too late. Considering the paperwork that needs to be done to process the insurance coverage might take a few days to process, which means you might be driving your car around town without insurance. This is putting your car and yourself at risk. The best time to look for new car insurance is about three months before the old one expires. If you don’t have plans of renewing the old insurance coverage, make sure the new one is ready when the old one’s coverage ends.

· Buying insurance direct from the company instead of talking to an insurance advisor is much cheaper.

While insurance companies offer a slightly different rate for car owners who directly make the purchase from them instead of going through an insurance agent, this doesn’t necessarily mean savings from your end. Most insurance companies use such money for more marketing and branding their insurance products. However, going through an insurance advisor might mean more understanding on your end about the product you are buying. With more knowledge of what you are buying, you get to enjoy more of what it has to offer.

· If your friend who borrowed your car gets in an accident, the insurance company will not cover it.

Unless stipulated in the insurance policy, insurance companies are required to cover accidents when the vehicle insured is involved. Comprehensive and collision coverage are just two of the essential components of a car insurance policy, regardless of who is driving the car at the time of the accident.

Unlocking the truths in these car insurance myths makes buying car insurance so much more comfortable. When you know what you are looking for, finding it won’t be that hard.

Read more

4 years ago · by · 0 comments

Car Insurance Mistakes That Will Cost You

Did you know that you can buy a car and home insurance from the same company? Although this may not be new to you, very few people know that insurance companies give discounted rates for those who choose to buy more than one policy from them. More than the convenience in the paperwork that comes with buying from the same insurance provider, it is the actual financial savings that you can be after. If you are looking at buying car insurance from a different insurance company, you might be missing out on some real savings.

How much do you spend on your car insurance each year? Do you feel like you are overspending? Here are some helpful techniques you can avail of to get the best car insurance rates possible.

· Choosing to lower your deductible. If you plan to reduce your deductible thinking that it will save you on costs should be one of the mistakes you are making. Lower deductibles mean higher risks for insurance companies. So if you want to save on costs, increase your deductible to lower your insurance premium. Though your out-of-the-pocket expenses would be much higher in case of an accident, it will mean savings for you monthly.

· Not taking advantage of the discounts that insurance companies provide. It is relatively easy to lose money on insurance policies, especially when you don’t know which rates to go for. If you have your own business or are buying insurance coverage for your home, it is best to ask the insurance provider for discounted rates. If they can offer you an exceptional price, then that would mean real savings from your end.

· Not presenting your excellent driving record. Did you know that not being involved in an accident in the past could not only mean a flawless driving record but it could mean savings on your monthly premium? Responsible driving does not only save you from untoward road accidents, but it could also help you save on insurance costs. The next time you look for the right car insurance policy, make sure to talk about your driving record and how clean it is.

· Choosing vehicle models with safety features should help you save on insurance costs too. The airbag, Anti-lock for brakes, as well as daytime running lights,  are all safety features that not all vehicles have. If your car has it, your car insurance company can offer you the same insurance program for much less. The safety features help reduce the risks making insurance investment on your vehicle a breeze.

Now, which car insurance shopping mistake are you guilty of?

Read more

4 years ago · by · 0 comments

Car Crash: What Do You Do Right After?

At some point, people who own vehicles find themselves in an auto accident. No matter how careful you are in driving or how skilled you are at it, there will come a time when other people’s lack of knowledge in driving could put you in a difficult situation. Whether they are big or small, being in a car accident is no fun at all. Not to mention the discomfort and inconvenience that comes soon after. What should you do first? Who should you call first? Should you leave the scene immediately after?

Car crashes are all too common. Although you try your best to avoid being in one of them, it is still best to educate yourself on what to do soon after. There is approximately about 5 million car crashes each year. Sadly, more than half of this number involve people suffering from car injuries. If not fatal, those who are involved in car accidents can suffer much that they need immediate medical attention. And because the cost of car repair or restoration and medical expenses can put quite a toll on you, auto insurance is what makes the problem go away.

A car insurance can be incredibly stressful, but not for those who have auto insurance coverage. It is important to keep your cool to avoid the worst from happening. More than that, it is important that you relax so that you can think straight. What should you do immediately after the accident? Remember these points:

· Check your Injuries

Determine if there is anyone else involved in the crash that needs immediate medical attention. Call for emergency services. If you are in doubt, it is best to call emergency, so that everyone involved in the accident is safe and sound and cleared from any injuries.

· Get to the Safe Spot

It may be best to leave the vehicle where it is until the authorities get to the scene and write the official report of the accident. However, as for you, it is best to get down from the car and get to safe ground. Whether it is a minor accident or a major one, it is important to get yourself away from the vehicle in case something gets wrong (like the car starting fire)

· Take Down Notes

When everything seems to be alright, don’t forget to write down the name, contact information as well as insurance information of the persons involved in the accident. The information that you have may be used for the repair and maintenance of your vehicle. Keep calm even after the crash to get the information that you require.

As soon as everything has been settled, call your insurance provider. Their representative will be able to help assess the situation and help you start the claim too.

Read more

4 years ago · by · 0 comments

Affordable Car Insurance: Is There Something Like It For College Students?

You’re a college student struggling to survive financially. However, you are aware that you are required by law to purchase a car insurance coverage. So to make ends meet, you are tempted to get only the minimum need coverage for car insurance. If you are thinking of getting the most affordable policy in the market, perhaps you are unaware of the discounts that may be available for you specifically because you are a college student.

Cheaper is not always better, and that applies perfectly when it comes to buying car insurance coverage or any insurance policy for that matter. It is not only important that you get the policy at the right price, but is a good idea to get a plan that meets your needs exactly. When you’re a college student, and you are shopping for insurance, here are some tips to help you out:

•    Consider the amount of driving you will be doing? If you will be driving every day to commute to and from school and perhaps your part-time job as well, then it is best to get full and comprehensive insurance coverage. However, if your car will only be parked in the garage in your parent’s house because you will be living in the dormitory on campus, then perhaps you can get the one that offers less.

•    Check out campus security for that could get you unbelievable discount in car insurance. It gives you a pretty good idea about the surroundings you can expect. If you can get the rate of the crime scene and the local statistics, it would help you establish security when you talk to the insurance representative. Doing so may give you the likelihood of getting insurance for less.

•    Did you know that insurance companies provide discounts for students who buy insurance with good grades? Don’ be afraid to ask about it with your insurance representative. It is one of those discounts that will make you glad you’re still a student and that you are doing your best in school.

There isn’t one type of car insurance program that fits everyone. You have to find the one that’s tailored fit to your needs. To get it, you must talk to your insurance provider representative. They will know what you need.

Read more

4 years ago · by · 0 comments

What To Do In Case Of A Car Accident

Getting involved in a car crash can be a very stressful time. It is like you have a dozen of questions you’d like to ask all at once, but you don’t know whom it asks them from. Should you call the police first or should you move your car to the side of the street so as not to bother the traffic in the area? Or perhaps you should call medical the help first? Should you call the insurance representative for the claim or should you wait until the police release their report?

The following list of tips should guide you through one of the most difficult times in your life. Hopefully, you’ll be able to make sound decisions despite the accident that you’ve been involved in.

First, conduct a health check. Here are the things you need to do:

•    Check yourself. Do a health check of yourself first. If you have injuries, ask someone to call 911, or you can do it yourself if you can. If you are seriously injured, remember to try not to move. Wait until the emergency response team comes and helps you.

•    Conduct a health check of the people you’re with in the car. If any of them are injured, make sure to call for medical help immediately.

•    If you and every other passenger in your car are only suffering from minor injuries, it is best to get out of the car and walk to the side of the road where you are much safer.

•    Wait for help to come. If you can turn on the hazard lights so that the other vehicles behind you will know that you’re not moving because you are involved in an accident. You should also set up the road warning devices in the front and at the back to make the other motorists informed of what happened.

Then, notify the authorities of the accident. What does it mean?

•    Whether it is a minor accident or a big one, it is important that you call the police. In fact, it is legally required. They will be the ones conducting the report of what happened. Their report will be used in filing a claim for your car insurance.

•    Notify your insurance representative about what happened. Some companies immediately send their representatives to the scene of the accident. When they do, it is best to ask them about the process for filing a claim, what you need to prepare and whether or not the company will cover the accident.

Being involved in an accident can indeed be very stressful. Not only because you’re life has been put in danger, but because you don’t know what to do first. With these tips, you can hopefully file an insurance claim without worries.

Read more

4 years ago · by · 0 comments

Homeowners Can Save From Car Insurance: How Is It Done?

Are you a homeowner looking at getting savings with the car insurance policy you intend to buy? Since the crisis that hit the housing industry, a number of real estate companies have revised their strategy to encourage people to invest in the homes they are selling. However, despite efforts, millennials seem to have their eyes on something else.

But every car owner needs to buy insurance and they fail to see the benefit of having home insurance in the rate of their car insurance policy. In essence, when you are a homeowner, you are perceived as someone who is a reliable borrower than those who are merely renting. Since homeowners are likely paying for their mortgage monthly, it means they are seen as more responsible payers than those who are not.

Home ownership does matter when it comes to insurance policies and the cost of the coverage. It can mean a huge discount especially when the homeowner choose to buy their home insurance and car insurance policy from the same company. The homeowner discount is specifically offered by insurance companies to homeowners who purchase their car insurance from the same company. It is their way of giving back to clients who have entrusted them with their coverage.

There are a number of other factors that are considered by car insurance whenever they give you the estimate of the coverage you intend to buy. One of which is the parking space for the vehicle. If you own a house that has a garage where the car will be kept if it is not used on the road, the insurance company is likely to charge you less. A good parking space for the vehicle also means less risks for damage or theft.

The credit score of the car owner also affects the cost of the insurance. If you are currently paying for the mortgage of your own house and make timely payments, there is no doubt that your credit rating is good. Because of this, you can expect to be offered car insurance for much less than what others may be paying for their coverage.

Having both car and home insurance has become an essential part of the lives of a lot of people. Who wouldn’t want to have both when they mean financial safety and security of their owners. Both car and home insurance provides its owners with the best kind of support to keep them moving forward to success.

Read more

4 years ago · by · 0 comments

Car Insurance: Why Are You Charged More?

When you renewed your insurance coverage from last year, you expected to pay as much as the amount you paid the last time or at least something around that figure. However, when you got your billing statement, you were taken aback by the huge difference in the premium you were charged with last year and this year. In hindsight, you tried to figure out what was it about the year that passed that brought the insurance company to charge you more.

Can insurance rates be computed based on a number of factors? When you were a student driver, your rates a cheaper especially when you have good grades. When you got out of school and started working, your insurance rates changes too. Insurance companies take a good look at you and assess how responsible you are as a driver as well as the likelihood of getting into an accident.

The increase and decrease in insurance rates are practically normal, but some of the factors they consider can be quite surprising. Read through to find out:

  • You’re not married so you pay a bit more than those who are married. According to studies conducted by insurance companies, married people are likely to be more careful because they think about their spouses and kids who are waiting for them at home. Single people have higher injury rates than married people because they are found to be a bit more reckless and hot headed when stuck in traffic.

  • When you are renting out your house or an apartment space, the car insurance company might charge you more. They look into the possible liability coverage that you may require. Insurance companies are very particular with the parking space. Most houses and apartment spaces for rent do not have safe parking spaces; putting your vehicle at higher risk for damage or theft. The risk in the security of the vehicle is the main reason why insurance companies charge renters more.

  • Your loyalty to the insurance company can get your rates lower. It is one of the ways the insurance company can show you how grateful they are for the trust and confidence that you give them and their services. Most insurance companies even offer huge discounts if you choose to buy both your home and car insurance coverage from them. When you bundle those programs up, you can get them for much less.

These reasons might be surprising but they usually are the ones that pull your car insurance rates down or sky high. Drive safely every time!

Read more