As with everything else in life, car insurance coverage is rarely simple. If you are a new driver in Edmonton, then chances are that you've heard of the many different types of car insurance coverage available in the city. As a result, you're probably wondering if you need to buy them all... or really, which one(s) you absolutely need to buy.
Let's begin by keeping things simple. Under Canadian law, you are required to purchase car insurance coverage before hitting the road.
But here's the thing: Just because you are required to purchase coverage doesn't mean that you need to purchase them all. You see, the most basic type of insurance is known as Edmonton liability insurance coverage. This is the coverage that you absolutely need to purchase before hitting the road. Quite simply, this policy pays for injuries to others as well as damage to their property in the event of you causing an accident.
With that being, it is up to you to decide whether or not you would benefit from purchasing additional coverage. If you only use your car to drive to work and then drive back home, chances are that you don't really need to purchase additional coverage. But if you own a really expensive car and you enjoy taking long road trips every once in a while, then it might be a different story for you.
Keep in mind that your insurance broker always know best, so don't hesitate to give them a call before making any decision!