Alberta Auto Insurance

We work to find you the best auto insurance options for your situation.


How do we determine what auto insurance is right for you? We ask questions about you, your vehicle, your driving record (including any accidents or charges), your credit record, and your expectations in the event of a claim. The more we know about you and your needs, the better options we can find. The right company or coverage package for one driver may not be the right one for another. We have access to many insurance markets for auto insurance clients. And it’s our job to the right insurance option for you.

DCPD

The Direct Compensation Property Damage system in now in place for Auto Insurance in Alberta. As your trusted insurance broker, we want you to know:

  • This new system doesn’t change your current auto insurance policy at all – only how claims are processed.
  • You don’t have to do a thing.

You can download “The Top 10 Things to Know about DCPD” here.


Liability Insurance

Think of this as your insurance for the things that could happen to other people or other people’s property. That’s why it’s sometimes called Public Liability and Property Damage or third-party liability. And that’s why it’s mandatory.

In Alberta, the minimum requirement for auto insurance is $200,000 liability insurance. If you’re looking for the minimum coverage possible, we aren’t who you should be working with. And you should probably just talk directly to an insurance company yourself.

Professional brokerages like ours understand that carrying only the minimum liability coverage is not in the best interest of anyone. Advice is the biggest part of our value and we could never advise someone to make that decision. In fact, our basic liability insurance option always includes both accidental benefits coverage and family protection because they just make sense.


 

Coverage options to consider when putting together your auto insurance package

If you want to be able to walk away from a collision and not worry about the damage done to you or your car, you need collision insurance. If you want to not worry about how you’re going to pay to fix damage to your car from vandalism, fire, hail or theft, you need comprehensive insurance. If you rent cars or drive vehicles other than your own often, you'll probably want non-owned auto insurance.

The truth is, there are many insurance options available to you and that’s where we come in. We translate the insurance speak into real life scenarios to see what you need and then we shop the insurance marketplace to find the right coverage at the best price.


Your auto insurance rate explained

It might seem random at times – especially with all the legislative changes regarding auto insurance in Alberta – but your rate is determined by four things:

  1. Your sex and age
  2. Your vehicle choice
  3. Your driving and insurance history
  4. Your location (different communities can have different ratings)

Once you understand what impacts your rates, you can see that the best way to control your insurance costs is by keeping a clean driving record and good insurance history.


Leasing or financing? Your insurance options are determined for you

Before you decide to lease or finance a vehicle, you should talk to us. Often, when you’re shopping for a vehicle, you’re only thinking about what monthly vehicle payment you can afford. But every lease or finance agreement requires very specific coverage types and levels that you can’t opt out of. And the cost to insure one vehicle or another can be very, very different.

For example, you might be able to afford the monthly payments on that 2020 Mini but can you afford the full liability, collision and comprehensive insurance payments the financing company requires too?


We’re here to answer your questions

You don’t need to know everything about auto insurance, that’s why we’re here. If you’re looking for auto insurance and want to work with someone to make sure you have the right coverage at the best price, we’d love to help.

Contact us.



  • David Chan
    ...No need to find another broker for your insurance needs. 10/10 recommended!
    David Chan
  • Marlene Arnold
    Julie is super. There are never any long delays in getting back to me. Super in advising what is the best deal for my needs.
    Marlene Arnold
  • Melanie Wiebach
    I am over the moon with the service I’ve been experiencing from them! Strongly recommend.
    Melanie Wiebach
  • Carrie Stone
    I use CJ Campbell for my personal as well and business insurance needs. The team members specifically Dave Parker & Boun Chou have been absolutely amazing to work with. I highly recommend this company for all your insurance needs. They are extremely professional and attentive; they are always prompt and getting back to me.
    Carrie Stone
  • Vacuum Specialists
    We have had the pleasure of dealing with Boun for many years, and her exceptional assistance and dedication have consistently exceeded our expectations. She consistently goes above and beyond to address our needs promptly and efficiently. Her professionalism is unparalleled, and we highly recommend her services.
    Vacuum Specialists
  • Patricia Wiebe
    We have dealt with CJ Campbell for over 50 years and their quality of service has been consistently excellent. We feel very secure knowing Keisha McCarthy is looking out for us. DO NOT HESITATE to use this company for all your insurance needs!
    Patricia Wiebe
  • Sid Tolchinsky
    I am very pleased having just worked with Julie David of CJ Campbell to restructure our house and car insurance under one company’s umbrella policy which saved us money and simplified our policies. Thank you Julie.
    Sid Tolchinsky
  • Brooke Siebert
    Keisha is so good at her job, I cannot stress this enough! She is patient, kind and really helped me out finding the best deal for insurance when I moved to Alberta. It's the little things in life and the fact that I don't have to stress out about insurance was an immense help. I cannot thank her enough!
    Brooke Siebert
  • Nicole D.
    I have been with CJ Campbell for almost 30 years. In those 30 years I have received exceptional service! Boun has been supporting me with competitive rates for home, auto and motorcycle insurance, always with my best interests at heart. I continue to refer my friends and family to Boun and CJ Campbell because they work hard to find the best rates and her client service is second to none.
    Nicole D.
  • Amin Ziarati
    ...What sets CJ Campbell apart from other insurance companies is their personalized approach to each client. Boun takes the time to understand your specific insurance needs and works tirelessly to find the best coverage options at the most competitive rates. I have always felt like a valued customer with CJ Campbell, and I appreciate the high level of customer service they provide...
    Amin Ziarati
  • Shelley Thurber
    I have been dealing with this company since 2010. Keisha McCarthy has always been so professional, helpful, and timely with all of my insurance needs. I can't recommend CJ Campbell and Keisha enough!
    Shelley Thurber
  • Lara
    Fantastic service every time! Everyone is super helpful and knowledgeable and will get you the best deal on insurance.
    Lara
  • Alexandrea Currie-Bell
    We have worked with Boun at CJ Campbell for years. She has always been extremely helpful in assisting us, as well as helped us in a timely manner. I would 100% recommend her!
    Alexandrea Currie-Bell
  • Gemma B.
    I've been with this company for 10yrs and never had a problem. The staff are very helpful, especially Boun.
    Gemma B.
  • Andrea Patterson
    I’ve had the pleasure of now dealing with Boun a few times for my insurance needs and she is an absolute delight to talk to. I would definitely recommend dealing with CJ Campbell as I know of others who also use them and love the service they receive.
    Andrea Patterson
  • Arnel Rante
    They're very helpful.
    Arnel Rante
  • Russell Motha
    If you want to get the best service from them, you need to talk to Boun Chou at CJ Campbell, got the best rates across 12 different companies for my house and my car and the service was excellent.
    Russell Motha
  • Theresa Hendricken
    My husband and myself have been with company for at least 25 years. They never disappoint always best rates.
    Theresa Hendricken
  • Jonathan Howlett
    Highly recommended and always delivers the best service for home and auto insurance. Able to navigate for best value, and listens to our needs.
    Jonathan Howlett
  • Dom L
    I have been a client of C.J Campbell Insurance for over 16 years. I would like to express my gratitude to Joel White. Joel is absolutely amazing to work with. His professionalism, understanding and willingness to go above and beyond for clients is very commendable! When ever I have a question or if there is an issue he’s instantly working on how to resolve or answer my question. I highly recommend him for all your insurance needs.
    Dom L
  • Ken Moffatt
    My wife and I moved our insurance to CJ Campbell after Royal Bank started demanding annual payments from customers. We have been very happy for the past few years. Customer service is exceptional and staff work to help you get a fair deal. I would highly recommend CJ Campbell Insurance.
    Ken Moffatt