Welcome to Airdrie
Located about 25 kilometres northeast of Calgary is the city of Airdrie. With a population of over 74,000, it stands as the fifth-largest city in the province of Alberta. This popular destination for residents and tourists sits at the intersection of Highway 567 and the Queen Elizabeth II Highway. Airdrie boasts a vibrant city centre featuring interesting eateries and charming boutique shops. It is part of the larger Calgary-Edmonton metropolitan corridor, which is home to over 3 million people and stands as one of the most populous regions in the country. There are many drivers in and around this area. Having an Airdrie auto insurance policy is critical.
The Importance of Airdrie Auto Insurance
With so much to see in and around Airdrie, having a vehicle is important. Whether you’re looking to visit the Farmers Market downtown or enjoy recreation at Airdrie Nose Creek Park, you’ll likely need an automobile to get to the places you need to be. There are nearly 75,000 residents in the city limits and you’ll come across other Airdrites on foot, bike and in other vehicles. This is especially true downtown and other areas where road construction and development are ever present. Nearly 87% of the working population has a commute of 15 to 45 minutes.
Airdrites can also experience all four seasons in this area, including mild summers and snowy winters. Temperatures average below 0 degrees in the winter, which often means snow and ice on the roads. The rainy season occurs between May and September, and Airdrites sometimes experience severe thunderstorms that lead to hazardous driving conditions. Torrential rainfall and snow melt can also lead to localized flooding that poses risks to your vehicle. Without an insurance plan, can you afford to pay for property damage and injuries out of pocket?
The Real Scoop on Airdrie Auto Insurance
Most motorists in Alberta don’t have the cash required to cover a car accident, especially if there’s significant vehicle damage and injuries involved. Any resident of the province can purchase car insurance as long as you have a valid driver’s licence and the required paperwork. If you’re caught driving without coverage, you may be subject to a fine of up to $10,000 for the first offence. A second offence within the first five years could result in a fine of up to $20,000.
In Alberta, drivers are required to have the following mandatory coverage:
- Direct compensation for property damage: This covers damages to your vehicle from another insured motorist.
- Third-party liability: If your driving results in property damage or injuries to others, including death, third-party liability coverage protects you.
- Accident benefits: This protection provides benefits to other occupants or pedestrians injured or killed in an accident.
Other Coverage Considerations
You can opt to include the following protections in your Airdrie auto insurance policy:
- Collision: This pays for damage to your vehicle for which you are at fault.
- Comprehensive: Your vehicle is vulnerable to non-collision risks, including theft, vandalism and fire, amongst others. Comprehensive coverage pays for these damages.
- Glass: This option pays for damage to all glass on your vehicle. Some policies have reduced glass coverage, so this coverage is a good supplement.
Please be aware that your Airdrie auto insurance plan won’t cover objects stolen from your car. It also doesn’t cover vehicles used for work besides commuting.