Alberta, like any other place in Canada, has plenty of good and bad drivers. Some drivers learn to improve their driving skills, but there are also others who just get worse as time goes by. The types of driver also vary from one Canadian city or province to another. In Edmonton, for instance, many claim that the drivers there are getting worse. There was actually a time when Edmonton topped the list of Canadian cities with the most number of lousy drivers. In Calgary, however, drivers aren't that bad. This is why you cannot really say that all drivers in Alberta are getting better or worse.

What's the effect on car insurance if Alberta has lots of bad drivers?

If Alberta is declared as having the most number of bad drivers in the country, this could have a great impact on local auto insurance rates. The insurance rates will surge up if the drivers in Alberta become reckless and the traffic violations there become worse.

What's the effect on insurance policies if Alberta drivers get better?

If Alberta drivers get better and incur less traffic tickets, auto insurance companies would surely lower their insurance rates. Some companies would probably provide discounts for the drivers. If the drivers get better, there would be less chances of accidents. If this happens, insurance companies would not have to spend much on losses.

The way most people in a certain location drive affects the insurance policies in that area. If drivers get better, the insurance rate would probably spiral down. But if drivers get worse, the opposite may happen.