Proper car insurance at affordable rates

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Our insurance offerings are best suited for:

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Car Insurance for North and West Edmonton

What We Specialize In:

As a local independent brokerage, we know that we can’t be everything to everyone – and we don’t try to be. At this time, our lineup of insurance products are most competitive for:

If you don’t fall into one of the categories above, we’d still be happy to quote you, but know there may be better options for auto insurance available online or through larger carriers.


Auto Insurance Info

Owning and operating any type of vehicle is a privilege that gives you more freedom. At the same time, driving is a responsibility, and that is why vehicle insurance is required by law. But what insurance plan is right for you? There are many plans, and your premiums can depend on your vehicle’s make, model and year, your driving record, and even where you live.

At Capital Insurance Brokers in Edmonton, we can help you with all your vehicle insurance questions and provide you with the right coverage, including:

What Does an Auto Insurance Policy Need to Include?

Insurance policies can vary from one person to another. Here, Capital Insurance Brokers has gathered information on some of the most common insurance coverages you will need in order to legally drive your vehicle:


Liability refers to the total amount of money (according to your policy) your insurance company pays out when you have been in a vehicle accident and are held legally liable for the other driver’s and their passengers’ injuries, as well as the damage to another person’s vehicle or property. Above the money limit in your liability policy, you are responsible for paying. That’s why, nowadays, most Albertans’ liability insurance is for $1 million or above. Furthermore, policies with higher limits ($2 million or more) are gaining in popularity.

Accident Benefits

Accident Benefits cover certain medical and death expenses not covered by your provincial health plan. This type of insurance also includes loss of income that resulted from your vehicle accident. Depending on which province you live in, you may find yourself entitled to additional benefits if you are a caregiver. Accident Benefits are paid no matter who was at fault for the accident.


Additional Coverages

You may want additional coverage to ensure you’re fully protected in the event of an automobile accident, fire, theft, or collision with an animal. Below are brief summaries of some of the most popular coverage options to consider.

Family Protection Endorsement

If you’re involved in an accident, Family Protection Endorsement is a benefit you receive when the other driver has less insurance coverage than you and cannot pay a claim for injury or death.


In the event of a collision where you are partially or totally at fault, this insurance coverage handles the cost of repair or replacement of your vehicle.


With this option, you’re covered for a myriad of perils other than collision, including fire, theft*, vandalism, hail, and impact with an animal running across the road. The important thing to remember is that this coverage applies to your vehicle only, not you or your passengers or any personal contents left in the vehicle.

Please note that comprehensive coverage does not cover theft of your vehicle by a member of your household or an employee whose job involves using or maintaining that vehicle.

Loss of Use

If your vehicle is damaged, stolen, or destroyed, Loss of Use covers temporary transportation costs including renting a vehicle or taking a bus. Your coverage is up to the maximum amount specific in your policy until your vehicle is repaired, recovered, or replaced.

Legal Liability for Damage to Non-Owned Automobiles

If you damage a rental vehicle in your care or control, this type of endorsement covers the expenses.

Accident Forgiveness

Accident Forgiveness is a type of coverage on your policy that forgives your first accident. This means that the rates for your car insurance in Edmonton won’t rise. Please note that this is only for individuals who have been licensed and accident-free for six years.

Limited Waiver of Depreciation

If your new car has been damaged in an accident beyond repair and has to be replaced, Limited Waiver of Depreciation protects you against the value loss or depreciation of your new vehicle. This type of coverage is only offered during the first two years of your vehicle lease or ownership. With this waiver, you may receive an amount up to the price paid to purchase or lease the vehicle or an amount based on the manufacturer’s suggested price.



That You May
Be Eligible For:

  • Multi-policy discount
  • Claims-free discount
  • Conviction-free discount
  • Discount for long-term drivers
  • Discount for good credit rating
  • Continuous insurance

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Excellent coverage, personal service

Price is just one part of what sets apart Capital Insurance Brokers from our competitors. The real difference comes when you get to know us.

Each broker has a direct line, personal voicemail, and email – which means that you don’t have to worry about repeating the same story twice when you call in. In fact, most of our clients are on a first-name basis with us.

All of our brokers live and raise our families in Edmonton and surrounding areas – just like you – so we understand the challenges faced by Albertans as auto and home insurance rates continue to rise. That’s why we’re proud to have been able to help thousands of homeowners and business owners save money and protect their assets since we started in 2005 as small corner office in a Castledowns strip mall.

We can’t wait to meet you!

Auto Insurance FAQs

Your policy covers most licensed drivers who have permission to drive your car, however, there may be exceptions. In some cases, your insurance premiums may be affected.
No. A parking ticket will not affect your driving record and insurance rates. Keep in mind that you must pay your parking tickets, or else you may not be able to get a renewal sticker for your license plate.

Speak to your broker regarding available discounts and incentives for eco-friendly cars.

Here are some ways you may be able to lower your auto insurance premiums:
  1. Bundle your home and auto insurance policies.
  2. Maintain a clean driving record.
  3. Opt for a higher deductible.
  4. Remove collision coverage from older vehicles.
  5. Inform your insurance broker if your driving circumstances change (ie. vehicle is being used for business/work purposes).

Here are some reasons to why the premium may be higher on older vehicles:
  1. Different levels of coverage.
  2. Usage type (ie. driving or commuting more often with one vehicle, but not the other).
  3. Replacement cost, or cost of repairs.
  4. Statistically, how often this type of vehicle is involved in claims (ie. one vehicle may be statistically more likely to be stolen or involved in an accident).

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Here's what our clients are saying about us:

“Mackenzie never fails to impress”
Capital Insurance has been a dream to work with over the past two and a half years. When I purchased my first home, Mackenzie was extremely knowledgeable and thorough in getting the right coverage for me. I appreciate him taking the time to walk through all the options and not pushing unnecessary coverage! On his suggestion, we even found a way to combine my auto coverage and save a decent amount of cash.

On top of that, Mackenzie never fails to impress when handling change requests (often within a couple hours) and with follow-up calls if there are any changes made by my insurance provider.

10/10 would recommend!

- Matthew K.

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