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Car Insurance for Grande Prairie Drivers

Whether you’re travelling along Highway 40 or Highway 43x in Grande Prairie, we want you to feel secure with your auto insurance options. Nothing is foolproof, but we work tirelessly to get you the protection you need to head out another day on the road. 

Why should I choose Sharp Insurance for my Grande Prairie car insurance?

You make hundreds of decisions every day. Worrying about the right insurance shouldn’t be one of them. So, how do you find the options that suit you perfectly? It’s not just our brokers who make the difference but our client care team who understands the concerns at the other end of the phone or email conversation. We take your insurance issues seriously.  We offer several benefits: 

You get the freedom to choose.

We work for you. Our partnerships with some of the best auto insurance companies in Canada give you exceptional customer service and competitive rates.  
 

You benefit from competitive rates.

Our licensed brokers work hard to find you the insurer that works for you.  

You have choices at your fingertips.

We’ve partnered with five major insurance companies to give you a chance to find the best options to suit your needs within your price range. 

We have you covered.

Our brokers are your trusted advisors. We answer your questions and give you the proper digital tools to find information about your claims and policy details anywhere and anytime.  

See for yourself what we can do for you.

Is car insurance mandatory in Grande Prairie?

Yes. If you drive a car in the city, you need proper car insurance coverage. What is the minimum protection required? Below is a guideline to the minimum car coverage. We highly recommend you carry third-party liability of $2 million to $3 million due to a rise in auto repairs and medical expenses. If you don’t have enough protection, you may have to pay for medical and other costs from your savings if you’re in an accident.  

4 Mandatory Options:

  • Third-Party Liability Coverage:  This includes costs for injuries and damage you cause to others, including recouping legal expenses when 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.
  • Property Damage Coverage:  If you’re not at-fault in an accident,  this coverage coverage includes loss of use and damage to your vehicle and its contents. 
     
  • Uninsured Automobile Coverage: If you’re injured, or an uninsured driver kills someone, or it’s a hit-and-run, you or your family members are covered. 

Did you know?

Drivers in Grande Prairie have a higher than average claim rate per person but a lower average number of traffic violations than the provincial average.

Get the Right Auto Insurance Coverage in Grande Prairie

Getting the right car insurance coverage in Grande Prairie is the perfect mix of protection and price.

What are the optional coverages for auto insurance in Grande Prairie?

There are a handful of optional coverages you can choose to include on your car insurance policy.

Collision

Helps cover the cost of repairing or replacing your vehicle if you’re at fault in an accident.

Comprehensive

Covers the cost of repairing or replacing your car if it gets stolen. Also, it includes damages caused by an insured peril, such as hail, fire, or a wind storm.

Emergency Service Expense

Don’t get stuck on the side of the road without proper coverage. This protection includes the cost of towing services after an accident or insured claim.

Emergency Roadside Assistance

If you want roadside assistance as part of your auto insurance policy, we have it for you.

Family Protection

It’s difficult to imagine your family members getting injured in an accident. But if the worst happens and the person at fault is under-insured or uninsured, you’ll be covered.

Glass

Covers the cost of glass repairs or replacement due to a loss, for example, a shattered windshield.

Loss of Use

This optional coverage includes money for public transit, taxis, or a rental car while it’s being repaired or while your claim is being settled.

Rental Vehicles

Extends your car insurance coverage to rental cars while you’re travelling 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 behind the wheel.

Every insurance company offers different options to protect Grande Prairie drivers that go beyond standard coverage. Talk to a Grande Prairie auto insurance broker to figure out what coverage you need and how to make it work with your budget.

Did you know?

Drivers in Grande Prairie have, on average, 2 discounts on their car insurance policy. Discounts include being: claims-free, a loyal customer, or a certain age.

How much does car insurance cost in Grande Prairie?

The seventh-largest city in Alberta as of 2016, Grande Prairie has the highest car insurance rates in the province. On average, it costs $1,602.50 per year, or $134 a month, to insure a car in this northwestern Alberta city. Grande Prairie’s rate compares to the provincial average of $1,235 and the lowest price in Alberta of $925 in Lethbridge. 

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 4WD

$1658.50 Ford Escape SE 4DR 4WD

What affects the cost of auto insurance in Grande Prairie?

If you’re a seasoned driver with a stellar driving record, does this mean your insurance rates will be low? Your personal car insurance rates will depend on many factors, not just your age and driving record. Think about the community where you live and how many claims you have; these factors are always changing.

10 factors that can affect your rates:

  • Claims and Insurance history 
  • Car’s make, model and age 
  • Credit score 
  • Claim/crime rates in your neighbourhood 
  • Adding discounts to your policy 
  • Traffic tickets 
  • Your age, sex, marital status 
  • How often you drive your car
  • Your daily commute and distance 
  • Whether you’re a new or experienced driver 

Did you know?

It’s best to keep one car length distance between you and the car in front of you for every 10 km/h you travel. Following too close could net you a traffic ticket.  

How do tickets impact your Grande Prairie car insurance?

When you see flashing lights behind you, it’s normal to feel anxiety. A ticket may increase your insurance rates by double digits. Alberta’s rising premiums don’t help your situation either. Everyone wants to know: how much does a speeding ticket increase my rates? It depends on how fast you were going and your current policy, but your premium could rise by up to 30 percent with a severe infraction. Be mindful when you drive otherwise you may end up with a rate you can’t afford.

Rear-end collisions are frequent as are car accidents at intersections. Examples of ticket violations, or offences, are listed below.  

Minor Traffic Tickets

  • Speeding 1 – 49km/h + over speed limit
  • Following too close
  • Improper turn
  • Improper passing
  • Failure to share the roadway

A serious traffic infraction will significantly raise your car insurance rates in Grande Prairie. Serious offences can also result in denial of optional coverage and having fewer choices when it comes to payment schedules.

Major Traffic Tickets

  • Speeding 50km/h + over the speed limit
  • Careless driving
  • Stunting
  • Racing
  • Driving under the influence of drugs or alcohol

How to Get the Cheapest Car Insurance Rates in Grande Prairie

As Grande Prairie is the most expensive city in Alberta to insure your car, you’ll benefit from learning how to get a lower rate. No one wants to pay a sky-high premium but you want to have the top coverage to drive around feeling secure and stress-free. Follow our quick tips to get the best bang for your insurance buck.  

  • Keep a clean driving record
  • Pay for the damage and avoid making a claim
  • Take a defensive driving course
  • Let your insurer know you use winter tires
  • Install a safety device to prevent thefts/vandalism
  • Drive less often: take transit or walk to work 
  • Drive an older car on the road – omit comprehensive insurance 
  • Choose a higher deductible   
  • Avoid missed payments  

Did you know?

In Alberta, driving under the influence includes driving with cannabis and alcohol in your system. 

How to Get a Grande Prairie Car Insurance Quote

There are a few ways to get a car insurance quote in Grande Prairie:

Often, getting a quote is online is trouble-free and faster than through email. A reminder the more information you give to your broker or insurance company, the more precise it will be.

What do you need to get an auto insurance quote in Grande Prairie?

It’s practical to have your personal information at your fingertips before you contact your insurer to get an auto insurance quote. Here is some information you’ll need:

  • Name
  • Contact information
  • Address
  • Make, model and year of your vehicle (or VIN)
  • Car’s purchase price
  • Registration
  • Driver’s license number
  • Birthdate
  • Current insurance company, policy number, and coverages

If your car is financed, you’ll also need to provide information about the loan and lender. You’ll need to provide the above information for each car you have registered and each insured driver. You’ll also likely be asked the following questions when getting a Grande Prairie auto insurance quote:

  • Do you use your car to get to work? How far?
  • Do you use your car on the weekend?
  • Are you a ride-sharer driver?
  • Did you buy your car new or used?
  • Is your car financed?
  • Does your car have any damage?
  • Have you been in an accident 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 the following decisions about your insurance coverage:

  • The level of protection you want
  • Policy limits (maximum amount of money you’ll receive after your claim)
  • Your deductible (the amount you pay out of pocket if you have a claim)

Did you know?

One way to keep a clean driving record is to minimize traffic violations of any kind. Why? In Alberta, a major ticket violation stays on your driving record for three years.

Why do I need to provide so much information for a car insurance quote?

The more information you provide for an auto insurance quote, the more accurate your quote will be. Insurance companies look at the risk and
or how likely it is that you’ll have a claim or accident in the future based on your history.

Did you know?

An employer can request a commercial driver report for current and potential employees in Alberta. To get a report, go here:  

How do car insurance claims work?

Whether you’re involved in an accident or your auto is damaged or stolen, you’ll need to do the following for a car insurance claim in Grande Prairie:

  1. Make sure everyone is okay. Call 911 if there are any injuries, damage, or you’re blocking a roadway.
  2. Make sure you’re somewhere safe (the shoulder of the road or a parking lot).
  3. Get the following information about all other drivers and vehicles involved:
    1. License plate
    2. Make, model, and year of the vehicle (the VIN works, too)
    3. Insurance information like insurance company and policy number.
    4. Driver’s license number
    5. Name
    6. Phone number
  4. If there are witnesses, get their contact information.
  5. Document the damage, if possible.
    Take pictures and video.
    You should also write down:

    1. What happened/how the damage occurred
    2. Time of day
    3. Date
    4. Weather conditions
    5. Anything else related to the damage.
  6. Get a copy of the police report.
  7. 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 is undriveable or needs to go in for repairs.

You’ll be assigned a claims adjuster who investigates and manages your 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 your payment has been settled.

Frequently Asked Questions About Car Insurance in Grande Prairie

If you’re in an accident with an uninsured driver in Grande Prairie, 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 Grande Prairie as fault determines which driver’s insurance company pays for injuries or damage. Fault isn’t always assigned 100% to one driver.

Yes, you need a ride-sharing endorsement or commercial vehicle insurance if you’re a ride-sharing driver in Grande Prairie. Your coverage will depend on your insurance company and which ride-sharing company you drive for.

Everyone who owns a vehicle needs car insurance in Grande Prairie. As a driver, you’re legally required to carry third party liability and accidents
benefits coverage.

In Grande Prairie, 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 Grande Prairie drivers based on their driving record.

No, photo radar tickets don’t affect your car insurance rate in Grande Prairie.

Yes, speeding tickets affect your car insurance rates in Grande Prairie. 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 behavior.

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.

Certain insurance companies offer monthly payment plans for car insurance in Grande Prairie. But, your payment schedule will depend on your credit rating, insurance history, and insurer – if this option is available to you.

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 Grande Prairie 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 US and be covered.

Yes, your vehicle must be registered in Alberta to get car insurance in Grande Prairie.

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