Customized Auto Insurance Plans in St. Albert
You may drive a minivan, a delivery truck, or a luxury car; regardless of your automobile's make, model, or purpose, it's an investment that matters to you. A vehicle is a valuable asset, and you must look into protecting it with auto insurance. When you’re ready to explore auto and car insurance in St. Albert, consult with Grandin Agencies. We provide you with a comprehensive range of insurance products to provide maximum coverage for your vehicle in case of any loss or third-party liability.
Understanding your car insurance properly and what it covers is crucial to making an informed and safe decision. Since 1963, we have been serving the area of St. Albert and the surrounding area with our reliable insurance brokerage services that have helped us become the sought-after leading insurance providers. Our insurance broker works with you to find and explain the right auto insurance plan with the best options for you and your specific vehicle. They will connect you with various insurance providers and offer insurance plans with flexible payment options. We are proud to work with Intact Insurance, Canada's largest home, auto and business insurance company that will process the claims faster.
More Than Car Insurance: Grandin Agencies Insurance Covers All Your Vehicles
One moment of distraction, a small patch of ice or a sudden stop ahead of you – that's all it takes to cause a collision. To protect you, your passengers, and your vehicle, the province of Alberta requires drivers to have a minimum of $200,000 of Personal Liability and Property Damage (PLPD) insurance. As you consult with a broker, you learn more about the different types of car insurance in St. Albert available to you. As members of the Insurance Brokers Association of Canada and the Provincial Brokers Association, we at Grandin Agencies can help you find the affordable insurance coverage that protects you, your family and your business in case of accidents. We work with several insurers to provide appropriate coverage and reasonable deals for:
Company fleets and commercial vehicles
Recreational vehicles
Trucks
SUVs
Antique cars
Personal vehicles
Know Your Car Insurance
When it comes to insurance, there is no one size fits. Every automobile owner has his own requirements and requires car insurance that suits his needs. Being the second-largest city in the Edmonton region, St. Albert's roads are packed with traffic during office hours. The roads in St. Albert also become a little more challenging to drive in the winter months with the heavy snow. You should have insurance that protects your vehicle under these conditions. Our team at Grandin Agencies understands your concerns and offers you insurance coverage that suits your needs. Our auto insurance includes:
Liability coverage
We make payments on your behalf if you injure someone or damage property.
Direct compensation
If you are not at fault in a collision, this will cover your vehicle's damages.
Accident benefits coverage
If you are in a collision, your medical expenses will be covered.
Get in touch with our team of insurance brokers, who will patiently explain to you the insurance product you should choose for complete auto protection. We also cater to commercial insurance needs. Our team has years of experience in this industry and henceforth knows which insurance providers they need to connect you with.
Company vehicles
Your company vehicles are a substantial investment. We can advise you on what insurers look for to help get cost-effective coverage for any make or model of car. Some of the factors that insurers consider include:
Regular inspections and maintenance of your vehicles
Your screening, hiring, and training process for drivers
Safety procedures to restrict drivers from driving too fast, too long or too late
Let Grandin Agencies help protect your company vehicles!
Driving Off the Beaten Track: Insurance for Trucks, RVs and SUVs
If you drive a truck or an SUV, you know that they were built with rough terrain in mind. Accidents that occur in remote areas can be especially dangerous, and vehicle recovery in these accidents can be an expensive challenge. Grandin Agencies' team of experienced insurers knows the risks St. Albert drivers face; we ensure you are adequately covered. Our knowledge and relationship with our insurers get you insurance that works for you and your budget.
Antique Cars
Antique car buffs know that, with the amount of work they put into fixing up and restoring a ride, insurance is a great way to protect their investment in an antique car, both financially and emotionally. Before you take your vintage vehicle out for a spin, make sure that you have insurance that protects your vehicle from damage on the road.
Ask for a Quote
If you would like to compare insurance options, simply request a quote on auto or car insurance in St. Albert. Your insurance broker provides an estimate and answers any questions you may have. In addition to auto insurance, we also offer motorcycle and RV insurance. Don’t forget to check our available discounts and enjoy savings on our insurance products.
Call us to learn which coverage plan is appropriate for your needs. No insurance project is too big or small. Whether you own a large fleet of delivery vehicles or one small car, your insurance broker provides you with the necessary car insurance coverage.
FAQs
Clear all your doubts now!
How Much Liability Should I Get?
The general rule here is whatever the insurer is willing to sell you. Most companies will sell up to $2,000,000 in coverage on an auto insurance policy. The premium difference between $1,000,000 and $2,000,000 is usually only about $25.00 or less.
What Basic Coverage Am I Legally Required to Have?
You can decide how much insurance coverage you want. But, at the very least, you should have the following auto insurance coverage:
Statutory Accident Benefit: This covers your medical expenses as well as income replacement benefits if you are injured in a car accident, regardless of who is at fault.
Minimum third-party liability of $200,000: This protects you if you or anyone else driving your car injures or damages someone else's property.
Direct Compensation-Property Damage: The insurance company, in this case, directly pays you if someone else damages your vehicle and its contents.
Uninsured Motorist Protection: This protects you if you are injured or killed as a result of an uninsured or hit-and-run driver. It also covers you if an uninsured driver causes damage to your vehicle or its contents.
While the above coverages are required, at the very least, you can purchase additional coverage to obtain additional protection.
How Can I Save Money on Car Insurance While Still Getting Comprehensive Coverage?
The following are some key examples of how to lower your premiums:
Choose higher deductibles: The deductible is the amount you agree to pay towards a claim. The more the deductible, the lesser the premium in most cases.
Try not to file for small claims: Another way to save money is to avoid filing numerous small claims. The more claims you file, the more insurance companies will view you as a risk.
Our staff at Grandin Agencies will assist you in determining the best way to save money on your auto insurance.
