Fort-MacMurray Car insurance
Affordable Car Insurance for Fort McMurray Drivers
You use your car every day, so a solid auto insurance policy should be top of mind for Fort McMurray residents. While the many choices range from the bare bones coverage to a comprehensive policy, it’s hard to keep track of what you need. Even for weekend drivers, having an advisor, i.e. our brokers, by your side is the key to saving you time and money.
How to Get a Fort McMurray Car Insurance Quote
There is more than one route to get a car insurance quote. It may seem intimidating to call to give personal details, but you’ll be glad you did. Choose one of the options below:
Sharp Insurance for your Fort McMurray Car Insurance?
We work hard to find you competing rates and always listen to your concerns. We understand you have unique needs, and this calls for specific terms on your insurance policy that are only yours. We provide you with benefits, including:
We’re independent.
We partner with insurance companies – but we work for you.
We’re competitive.
We work with five major insurance companies to get you the best coverage for the ideal price.
We’re experts.
Our staff is experienced and never stops learning. We can answer all your questions and help you with claims.
We’re digital.
Our MySharp app and online portal helps you manage your insurance when and where it’s convenient for you.
We’re here to work for you.
Is car insurance mandatory in Fort McMurray?
Located in the Wood Buffalo region of Alberta, Fort McMurray residents must deal with treacherous driving conditions during the winter. As a motorist in Fort McMurray, you require basic car insurance coverage to head out on the road. But what level of insurance do you need? Sharp’s brokers will help you find optimal insurance rates to suit your lifestyle and pocketbook.
Mandatory Coverage
- Liability Coverage: Coverage includes costs for injuries and damage you cause to others, including recouping legal expenses if you’re sued
Accident Benefits Coverage: If someone is hurt in an accident, the driver will receive income replacement, rehabilitation, and medical benefits. It doesn’t matter who is at-fault.
Optional Coverage
- Property Damage: If you’re not at-fault in an accident, you’re covered for loss of use and damage to your vehicle, and its contents.
- Uninsured Automobile: If you’re injured or someone is killed by an uninsured driver, or it’s a hit-and-run, you or your family members are covered.
We highly advise drivers to get third-party auto liability of at least $2 million due to a rise in car repairs and medical expenses.
Did you know?
The average number of claims in Fort McMurray is 0.93 per person, the highest in Alberta. The provincial average is 0.70 per person.
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What are the Optional Coverages for Auto insurance in Fort McMurray?
There are a variety of optional coverages for Fort McMurray motorists, including:
Collision
Helps cover the cost of repairing or replacing your car if you’re at-fault in an accident
Comprehensive
Covers the expense of repairing or replacing your car if it gets stolen or damaged by hail, vandalism, or a fire.
Emergency Service Expense
Helps cover the cost of towing services after an accident or claim.
Emergency Roadside Assistance
Some insurance companies offer roadside assistance as part of the insurance policy.
Family Protection
Helps cover expenses if you or your family are hurt in an accident and the person at-fault is under-insured or uninsured
Glass
Helps pay for the cost of repairing or replacing your car’s glass, such as a damaged windshield.
Loss of Use
If you make a claim on your car insurance, you can get money for transit, Uber, or a rental car while your car is being repaired or your claim is settled.
Rental Vehicles
Extends your car insurance coverage to rental cars in the U.S. and Canada.
Ride-Sharing
If you plan to drive for a ride-sharing company, you need this type of endorsement to ensure you’re covered while you’re driving.
Did you know?
In Fort McMurray, the average cost of insurance for a male driver is $1,326 per year, compared to $1,374 for a female.
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How much does Car Insurance cost in Fort McMurray?
Car insurance rates are quite high in Fort McMurray, as are most cities in Alberta, so it’s important to find the insurance company that works for you. On average, the cost to insure your car is $1,344 per year, or $112 a month. Drivers in Fort McMurray are paying higher rates than the provincial average rate of $1,235 annually, or $103 per month.
Car Insurance Prices:
- $1545 F150 XLT Supercrew 4WD
- $1293 F350 SD Lariat Crew Cab 4WD Diesal
- $1396 Toyota Corolla CE 4DR
- $1886 Dodge Ram 1500 Sport Crew Cab
- $1658.50 Ford Escape SE 4DR 4WD
What Affects the cost of Car insurance in Fort McMurray?
There are many elements that impact how much you’ll pay for your car insurance rates. Your car’s age, value, and how often you use your car are a few factors.
10 Factors that Impact your Car Insurance Rates:
- The make, model and year of your car
- The MSRP or purchase price of your vehicle
- Your driving record
- Your insurance and claims history
- Where you live
- How you use your car
- How often and how far you drive
- Who else drives your car
- Your demographics
- Your insurance coverage and options
Did you know?
The make, model and year of your car affects your Alberta auto insurance rates. Get a few insurance quotes to see how much it will cost you before you buy the car.
Read More:
- 5 Biggest Reasons Alberta Auto insurance rates are Increasing
- How to Lower your Alberta Car insurance Rates
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How do Tickets impact my Car insurance rate?
Traffic tickets can increase your car insurance rates, but by how much depends on the extend of the ticket offence (minor to major) to the number of tickets. Your insurance company will see you as a riskier driver if you have multiple infractions under your belt.
There are two different types of traffic violations that can impact a driver in Fort McMurray: minor and major.
Minor Traffic Tickets
- Speeding 1 – 49km/h over the speed limit
- Following too close
- Improper turn
- Improper passing
- Failure to share the roadway
A major traffic violation can hike your auto insurance rates in Fort McMurray. They can also result in you being denied optional coverage and having fewer choices when it comes to payment.
Major Traffic Tickets
- Speeding 50km/h or more over the speed limit
- Careless driving
- Stunting
- Racing
- Driving under the influence of drugs or alcohol
How to Get the Cheapest Car Insurance in Fort McMurray
Sharp has a wide selection of auto insurance options available, including collision, theft, vandalism, hail, and wind damage. But how do you get low rates for these options? Whether it’s specialty liability coverage for your truck or contents coverage for your work tools or weekend gear – we find you the price that matches your needs.
11 tips to get the cheapest auto insurance rates in Fort McMurray:
- Pay for losses out-of-pocket, avoid making a claim
- Your driving record
- Pay your insurance bill on time
- Take a defensive driving course
- Have a good credit score (or work at improving yours)
- Use winter tires in the colder months
- Follow the rules of the road
- Drive safely and defensively
- Drive less often: take transit or walk to work
- Drive an older car on the road
- Install a safety device on your car to prevent thefts or vandalism
- Be aware of insurance fraud and scams
- Try usage-based insurance
- Choose a higher deductible
- Review your insurance at least once a year with an insurance broker
Did you know?
In Alberta, it can take up to 6 years to clear your drivers record of a high-risk label. Convictions stay on your record for 3 years.
Get a Quote
Usually, the easiest and fastest way to get a quote is online. The more information you have written down ahead of time, the more accurate your quote will be.
What do you need to get an auto insurance quote in Fort McMurray?
It pays to shop around for the best deal for your car insurance. You get the rate that works for you and your life. Access to several insurers allows us to get you multiple insurance quotes.
- Personal information (names of the drivers, birth date, phone number, address)
- Registration
- Make, model and year of your vehicle (or VIN)
- Car value
- A copy of your driving record
- Name of your insurance company, policy number, coverage, limits
When you’re stressed out and need to make a call to your insurance company, it’s good to have a list on-hand with key details for your insurance company. Make a list with the below information and stick it in your glove compartment and a copy in your home for easy access.
- Do you commute with your car? If so, how far?
- Do you use your car for work (other than commuting)?
- Are you a ride-sharing driver?
- Was your vehicle bought new or used?
- Is your car financed?
- Does your vehicle have any existing damage?
- Have you been in any accidents in the last 6 years?
- Have you have had any claims?
- Have you gotten any tickets in the last 3 years?
Finally, you’ll need to make some decisions about your insurance coverage. This includes what protection you want, your policy limits (the maximum amount that you’ll get if you have a claim), and your deductible (the amount you pay out-of-pocket if you have a claim).
Did you know?
- Your driver’s abstract is a public record, meaning that your employer or your insurance company can request the report.
- In Alberta, a serious traffic infraction can stay on your drivers record for 3 years.
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Why do I need to provide information for a car insurance quote in Fort McMurray?
The more information you provide for an insurance quote, the more accurate your quote will be. Insurance companies price the rate based on risk – and how likely it is that you’ll have a claim or accident.
How do car insurance claims work in Fort McMurray?
Whether you’re involved in an accident, or your car is damaged or stolen, you’ll need to do the following for a car insurance claim in Fort McMurray:
- Make sure everyone is okay. Call 911 if there are any injuries, damage, or you’re blocking a roadway.
- Make sure you’re somewhere safe (the shoulder of the road or a parking lot).
- Get the following information about all other drivers and vehicles involved:
- License plate
- Make, model, and year of the vehicle (the VIN works, too)
- Insurance information like insurance company and policy number.
- Driver’s license number
- Name
- Phone number
- If there are witnesses, get their contact information.
- Document the damage, if possible.
Take pictures and video.
You should also write down:- What happened/how the damage occurred
- Time of day
- Date
- Weather conditions
- Anything else related to the damage.
- Get a copy of the police report.
- Contact your insurance company or broker (phone number is on your pink card).
Your insurance company or broker will collect information and help you through the next steps. For example, if you have loss of use coverage, they’ll explain how arranging a rental car or getting repayment for public transit works if your car doesn’t work or needs to go in for repairs.
You’ll be assigned a claims adjuster who investigates and manages the claim. The adjuster will contact you to discuss what happened and keep you updated. The adjuster also negotiates for a settlement, whether your car is being repaired or if it’s a write-off.
A claim is closed when the repairs are complete or payment has been settled.
FAQ’s: Car Insurance in Fort McMurray
If you’re in an accident with an uninsured driver in Fort McMurray, you’ll be covered if you have Family Protection on your car insurance policy. You may also have coverage if you have collision and comprehensive protection on your vehicle.
Otherwise, you would go through Alberta’s Motor Vehicle Accident Claims Program.
Yes, fault matters in car accidents in Fort McMurray as fault determines which driver’s insurance company pays for injuries or damage. Fault isn’t always assigned 100% to one driver.
No, your personal items are covered by your home insurance policy, not your car insurance policy, if stolen.
Everyone who owns a vehicle needs car insurance in Fort McMurray. As a driver, you’re legally required to carry third party liability and accidents benefits coverage.
In Fort McMurray, the insurance industry follows the all-comers rule, meaning you can’t be denied the legal minimum level of car insurance. But an insurance company can select your car insurance rate and choose to deny you optional coverage, if you have a serious traffic conviction(s) or a history of non-payment.
The all-comers rule requires insurance companies operating in Alberta to insure any driver for the legally required minimum level of coverage.
Grid rating is how insurance companies determine car insurance rates for Alberta drivers based on their driving record.
No, photo radar tickets don’t affect your car insurance rate in Fort McMurray.
Yes, speeding tickets affect your car insurance rates in Fort McMurray. Your insurance rates will go up if you get a speeding ticket (unless it’s a photo radar ticket). If it’s your first ticket, an insurance company may excuse the ticket for good behaviour.
Your car insurance coverage depends on the insurance options you chose when you set up your policy. Mandatory third-party liability and accidents benefits coverage will help cover damage and medical expenses of other drivers and passengers involved in an accident where you’re at-fault. Mandatory coverage can also cover legal expenses if you’re sued after an accident.
No. Women and men pay fairly comparable insurance rates across all of Alberta. Gender has no relevance to your insurance premium.
Replacement cost is a loss settlement option where you’ll receive the replacement cost of your vehicle if it’s a write-off after a loss. The replacement cost becomes the price to get the same or very similar car.
Actual cash value is a loss settlement option where you’ll receive the market value or purchase price of your car, minus the depreciation, if it’s a write-off after an accident. It’s the price you’d get if you had sold your auto as-is right before the claim.
Yes, your Fort McMurray car insurance should cover you in the US. Make sure to inform your insurance company that you’re driving south of the border. Some insurers require you to tell them you’re in the US or may have a limit on the number of days you can travel in the U.S. and be covered.
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