Auto2022-04-07T14:50:18-06:00

Quick Auto Insurance for Alberta Drivers

Get your no-obligation quote in under five minutes.

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We drive here. We’re insured here.

We saw how others provide insurance. So we decided to do it better. And for less.

When you choose automobile insurance with us, you’re working with Albertans driven to keep service quality high and the prices low.

We drive the same roads as you. And we know how important it is to get from point A to point B.

We will always go the extra mile to get you back on the road as fast as possible.

We may not have an app or a fancy chat bot just yet,

but we do have the most knowledgeable people committed to being there when you need us the most

Life Happens. We Help.

Spitfire gravel cracked
my windshield.

Get it repaired the same day.
The shop sends us the bill. Easy peasy.
Call Us Today to Learn More Asset 2

I was driving and a car
clipped my vehicle.

Millennium Insurance has you
covered for towing, rental and repair.
Call Us Today to Learn More Asset 2

Roof dented by hail nobody saw coming.

As Albertans we know the weather can turn
in an instant. We’ll help get your ride
looking like new.
Call Us Today to Learn More Asset 2

Hit a deer, cow and porcupine.

All three? What a day. We’ve got you
covered and we’ll help you get back
on the road in good time.
Call Us Today to Learn More Asset 2

Still have questions?

My premium went up! Who can I talk to about this?2022-04-07T14:47:39-06:00

We understand that premium increases outside of your control can be frustrating. Millennium Insurance values your feedback. Please contact us at 780-467-1500 (toll-free at 1-866-467-1245) or via email at DCPD-Questions@millenniuminsurance.ca with your questions or concerns

How is Millennium Insurance preparing for insurance reform?2022-04-07T14:46:23-06:00

Millennium Insurance is taking the following steps to prepare for Alberta’s auto insurance reform.

  • Contacting all of our clients potentially affected by the insurance changes.
  • Updating our internal manuals and underwriting/claims guidelines accordingly.
  • Crafting this FAQ for our clients.
Can i now take a deductible for NAF claims, to reduct my premium?2022-04-07T14:44:59-06:00

Yes you can.

DCPD requires that drivers deal with their own insurance company regardless of whether or not they are at fault for an accident. In our clients’ case, they will deal with Millennium Insurance exclusively even if in a not-at-fault (NAF) accident. This ensures that insurance-covered Albertans will have somewhere to file their claim and someone to pay.

This now presents policy holders the option to reduce their premiums by taking a deductible for NAF claims. Please contact Millennium Insuance if you are interested in taking a NAF deductible.

How will this affect my premiums?2022-04-07T14:41:39-06:00

One key change under DCPD is you will pay a premium based on what vehicle you drive. Your insurer pays to repair your vehicle when you are not at fault. This is the main difference from the previous third party liability property damage coverage, where your insurer was responsible for paying to repair someone else’s vehicle if you were at fault. There was no way for your insurer to know what other vehicle may be involved in an accident, so your third party liability property damage premium was based on an average cost of repairs for the vehicle you may have had an accident with.

The certainty of the vehicle covered by DCPD allows for more precise pricing. To accurately price for the costs to repair or replace your vehicle, your insurer will use vehicle rate groups. Vehicle rate groups classify vehicles based on the price of repairs and the likelihood of being involved in an accident. Generally, the lower the vehicle rate group, the lower the DCPD premium.

What is DCPD?2022-04-07T14:37:31-06:00

DCPD, short for Direct Compensation for Property Damage, means policy holders will deal with their own insurance company for both at fault and not at fault accidents. It is a mandatory coverage for your vehicle damage, damage to contents and loss of use in the event you are not at fault for an accident, or a portion of the repairs based on the percentage you were not at fault for an accident.

Collision and loss of use coverages are optional. If you are at fault, Collision covers your vehicle repairs if you have purchased the coverage.

If you are found 100% not responsible (not at fault) for an accident, any vehicle repairs will be paid for by your DCPD coverage.

  • If you have Collision coverage, it will pay for damage to your vehicle even if you are 100% responsible (at fault) for the accident. It also covers the costs of towing, storage and salvage disposal. You will have to pay a deductible—the amount you have to pay toward repairs—before your insurance pays for the rest.
  • If you don’t have Collision coverage, you will have to cover any costs for damage to your own vehicle out of pocket. You will need to pay the percentage of the vehicle repairs, equal to the percentage you are found responsible or at fault. If you are 50% at fault, you will pay 50% of the damages, and 50% will be paid through your DCPD coverage.

If you are 100% not at fault in an accident, accessing your DCPD coverage will not adversely affect your driving record.

If you are responsible for an accident, your basic insurance premiums will likely go up. The costs for any optional insurance you have (Collision, for example) may go up as well. In general, the more accidents you are responsible for, the more you will pay in insurance.

When do these changes take effect?2022-04-07T14:20:49-06:00

The government’s auto insurance reforms take effect on January 1, 2022.

Why are these changes happening?2022-04-07T14:18:20-06:00

The government is implementing these changes in order to make auto insurance more affordable for Albertans and to simplify the claims process. DCPD is already in use in many other Canadian provinces and should lead to a fairer and more efficient claims process.

What reforms are happening?2022-04-07T14:17:14-06:00

The Alberta Government is implementing sweeping changes to automobile insurance that will affect how Millennium Insurance clients deal with not-at-fault (NAF) accident claims. The most notable change is the introduction of DCPD (Direct Compensation for Property Damage) as a more efficient way of dealing with vehicle damage claims.

Client premiums may also be affected depending on how costly their vehicles are to repair. In general, clients with less expensive vehicles may see a premium reduction.

Is windshield insurance worth it?2021-01-11T14:04:21-07:00

Welcome to Alberta where the springtime rock chips and window cracks are plenty and the average windshield replacement is $870. For as low as $14 per month, you can protect your windshield and the rest of your glass on your vehicle.

I can’t drive my SUV because of an accident. Will Millennium cover the rental for a similar vehicle?2020-07-07T10:26:22-06:00

Absolutely. At just over $2/month, our flexible rental levels ensure you’re back on the road without missing a beat. To make life easier, we partnered with Enterprise Car Rental. We do all the booking. All you have to do is drive on.

What kind of insurance do I need?2020-07-02T12:02:52-06:00

If you’re driving, you need Liability Coverage. If you’re at fault and cause damage and/or injury to someone else, you’ll be covered. We also recommend the following:

Collision: If your vehicle gets damaged by colliding with another object, you’re covered. If you slide into a guardrail on an icy road or get rear ended at an intersection, Millennium will cover the damage.

Comprehensive: Protect from the unexpected with “everything else” coverage.  This covers you for damage by hail, theft, vandalism, flying debris, hit and runs, and plenty more.

If my car is a write-off, will you give me a fair price?2020-07-02T12:04:23-06:00

Our appraisers are experts in their field. They determine the value of your vehicle and make you an offer. If you think they’re wrong for any reason, let us know. When we agree, we write your cheque within a day or two.

How does accident forgiveness work?2020-07-02T12:10:05-06:00

If you have an at-fault accident, your premiums will not go up. Get in touch to see if you qualify.

Is it true that if my airbags deploy, my car is a total loss?2020-07-02T12:10:54-06:00

If your vehicle’s value is less than $10,000 and its airbags deploy, it will be deemed a total loss. Airbags are incredibly expensive to replace.

Our local agents can answer your questions

Let’s chat. We’re here for you.