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Message: <blockquote data-quote="klein" data-source="post: 948813" data-attributes="member: 23950">I pay just over $500 per year, but without collision (self fault & damage to my own vehicle).But conservative Alberta also put the following in place to reduce premiums :A $4,504 cap on court awards for pain and suffering also helps to reduce claims costs without reducing the amount of money available to help victims get back on their feet.In the past, minor injuries like strains and sprains could often lead to pain and suffering awards of $20,000, even $50,000. Although this may have been a great comfort to the victims, it was costing everyone in the form of higher premiums.</blockquote>