Get the Right Coverage For Your Ride
Driving with Confidence
Auto expertise and dependable service when you need it most.
Your car is important and having the right protection is a must. Our advisors simplify the process and give you peace of mind. We work with a wide range of insurers so we can always find the best rates on the perfect coverage for you.
Get StartedAlberta Coverage
What Does Auto Insurance Cover?
Third-Party Liability
Mandatory in Alberta, this protects you from the financial risk of an at-fault accident — covering repair costs, legal fees, and medical expenses for third parties.
Accident Benefits
Financial support if you or your passengers are injured in a collision, regardless of fault. Covers medical and rehabilitation expenses, income replacement, and caregiver benefits.
Collision
Covers the cost to repair or replace your vehicle if it's damaged in an at-fault collision. Usually required by lenders on financed or leased vehicles.
Comprehensive
Protects your vehicle from non-collision damage — hail, storms, vandalism, fire, theft, and falling objects. Essential in Western Canada, where hail season can be severe.
Direct Compensation (DCPD)
Mandatory since January 2022, your own insurer covers your vehicle damage when another driver is at fault. No deductible by default.
Loss of Use
Provides rental car coverage while your vehicle is being repaired. With rental costs upwards of $50/day in Alberta, this endorsement pays for itself quickly.
We do it all
Tips to Lower Your Premiums
Auto insurance rates in Alberta have been rising due to accident costs, fraud, and natural disasters. Here are some smart ways to keep your premiums manageable while maintaining the protection you need.
Smart moves for Western Canada drivers:
01
Drive Safely
A clean driving record is the single best way to lower your premiums. Obey speed limits, avoid distractions, and follow all traffic rules.
02
Raise Your Deductible
If you can afford to pay more out of pocket in the event of a claim, choosing a higher deductible will reduce your monthly premiums.
03
Bundle Your Policies
Combine your auto and home insurance for a multi-policy discount. It's one of the easiest ways to save without sacrificing coverage.
04
Review Annually
Your needs change. Review your policy yearly with a local broker to ensure you're getting the best value for your situation.
Ready to Hit the Road?
Get a free, no-obligation auto insurance quote from a local Acera Insurance advisor who knows Western Canada's roads.
Get Started