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Cost-Effective Car Insurance for Lethbridge Drivers. 

While Lethbridge’s transit system is decent, you may prefer to drive to work or do errands. Despite the rise in car premiums for the province, Lethbridge’s small city status has led to low claim and conviction rates – and thus steady insurance rates over the last year. 

Why should I choose Sharp Insurance for my Lethbridge car insurance?

Choices are important to you as a driver in Alberta. At Sharp, we understand that searching for the premium that is just right for you can be daunting. We help you shop around for the best rates on the market. We take the frustration out of finding a great insurance policy that matches your lifestyle and budget. Find out for yourself. Here are a few other ways we can help you out:  

You get the freedom to choose.

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

You have a variety of options.

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

We have you covered.

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

You have access to digital tools that make insurance easier.

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 Lethbridge?

Yes. If you drive a car in this southern Alberta city, you’ll need to get a secure car insurance policy to abide by the law and have peace of mind. Read through our mandatory car coverage options below. We highly recommend you carry third-party auto liability between $2 million to $3 million due to a rise in auto repairs and medical expenses. If you don’t have the higher monetary protection, you’ll have to pay for medical and other expenses from your savings.  
 

Mandatory Coverage:
 

  • Third Party 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. 
     
  • Property Damage Coverage: 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 Coverage: 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.  

Did you know?

On average, you’ll pay $77 per month, or $925 a year for your auto insurance – below the provincial average of $1,235 a year. 

Get the Right Auto Insurance Coverage in Lethbridge

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

What are the optional coverages for auto insurance in Lethbridge?

Drivers in Lethbridge can upgrade and choose options that offer more protection on the roads. Here are 4 choices you may not have on your insurance policy already. 

Collision

This type of insurance covers the physical damage to your car caused by an accident – even if the accident was your fault.  

Comprehensive

Helps cover the expense of repairing or replacing your car if it gets stolen or damaged by something like hail, vandalism, or fire.

Emergency Service Expense

Helps cover the cost of towing services after an accident.

Emergency Roadside Assistance

Some insurance companies offer roadside assistance as part of your 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

Someone did a smash and grab out your back window. This coverage helps cover the cost of repairing or replacing your car’s glass.

Loss of Use

If you make a claim on your car insurance, you’ll have funds for public transit, taxis, or a rental
car while your car or truck 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.

Every insurance company offers different optional protection to Lethbridge drivers. Speak to an auto insurance broker to figure out what coverage you need and how you can make it work with your lifestyle and budget.

Did you know?

Lethbridge drivers have, on average, 2 discounts on their car insurance policy. Discounts can include being claims-free, a loyal customer, or being a certain age.

How much does car insurance cost in Lethbridge?

If you own a car, or two, in Lethbridge, your insurance rates are likely to be reasonable – as the city has the lowest rates in Alberta. But it’s all relative, because many factors will affect your rates, including the neighbourhood you reside and your age.  

Car Insurance Prices:

$1074 – Ford F150 XLT Supercrew 4WD

$922 – Dodge Grand Caravan SE

$937 – Dodge Ram 1500 ST Quad Cab 4WD

$915 – Toyota Corolla CE 4DR

$2212.50 –  Nisson Rogue S 4DR AWD

What affects the cost of auto insurance in Lethbridge?

There are many elements that impact car insurance rates in this southwestern city. While Lethbridge folks enjoy 320 days of yearly sunshine, they must still contend with rising rates and variables that impact their premium – some of which are out of their control. Here are a few: 

  • 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?

If you’re in the market for a new car, the cheapest car type to insure in Lethbridge is a small SUV or a convertible. 

How do tickets impact Lethbridge auto insurance?

Lethbridge is a busy city with several households with more than one vehicle. Traffic leads to more accidents on the road, so drive safe. The traffic offences below remind us that traffic tickets come with higher insurance rates and demerit points. It’s just easier, and cheaper, to drive safe.  

A minor traffic violation can spike your Lethbridge car insurance rates by 25 percent per ticket. Certain insurance companies forgive the first infraction, but often tickets will stay on your record for 3 years and negatively impact your rates.

Minor Traffic Tickets

  • Following too close
  • Improper turn/passing
  • Driving 1-49km/h + over speed limit
  • Failure to share the roadway; no signalling
  • Traffic light violation
  • Wrong way on a one-way street

A serious traffic violation can seriously raise your car insurance rates in Lethbridge. They can also result in you being denied optional coverage and having fewer choices when it comes to payment. These include:

Major Traffic Tickets

  • Driving 50km/h + over speed limit  
  • Driving without insurance
  • Failure to report an accident
  • Improper passing of a school bus
  • Improper speeding/passing in a school zone
  • Failure to report highway property damage

How to Get the Cheapest Car Insurance in Lethbridge

Looking around for a great deal is easier than you think. Most people don’t know that submitting a claim can often raise your insurance rates. We have the lowdown on how you can save money.  

10 Tips to lower your car insurance rates: 

  • 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
  • A safety device on your car to prevent thefts or 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
  • Drive safe (keep a further distance when following)

Did you know?

Driving too close is a driving offence. Avoid getting a ticket by putting 10 km/h between you and the car in front of you. 

How to Get a Lethbridge Car Insurance Quote

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

Usually, the simplest way to get a quote is online. Remember, the more information you give the more accurate your quote will be.

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

It’s convenient to have your personal information accessible before you contact your insurer to get an auto insurance quote in Lethbridge. You’ll need to provide the information below:

  • Name
  • Contact information
  • Address
  • Make, model and year of your vehicle (or VIN)
  • Purchase price of the car
  • 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 the above information for each car and
insured driver.

You’ll also likely be asked the following questions when getting a Lethbridge auto insurance quote:

  • Do you commute with your car? If so, how far?
  • Are you a ride-sharing driver?
  • Do you use your car for work purposes?
  • Was your car bought new or used?
  • Is your car financed?
  • Have you make any claims?
  • Does your car have any damage?
  • Have you been in any accidents in the last 6 years?
  • Have you received tickets in the last 3 years?

Finally, you’ll need to make some decisions about your insurance coverage, including:

  • The type of protection you want/need.
  • Your policy limits (the maximum amount that you’ll get if you have a claim.)
  • Your deductible: the amount you pay out of pocket if you have a claim.

Did you know?

Comprehensive and collision insurance are not mandatory car insurance requirements to drive a car. Most people combine collision and comprehensive if they need to carry it on their policy.

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

The more information you provide for a car insurance quote, the more accurate your quote will be. Insurance companies price based on risk –
or how likely it is that you’ll have a claim or accident.

Did you know?

In Alberta, driving while under the influence includes driving under the influence of cannabis, as well as alcohol.  

How do car insurance claims work in Lethbridge?

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

  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 insurer 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 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.

Frequently Asked Questions About Car Insurance in Lethbridge

If you’re in an accident with an uninsured driver in Lethbridge, 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 Lethbridge 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 Lethbridge. 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 Lethbridge. As a driver, you’re legally required to carry third party liability and accidents
benefits coverage.

In Lethbridge, 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 Lethbridge drivers based on their driving record.

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

Yes, speeding tickets affect your car insurance rates in Lethbridge. 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 Lethbridge. 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 Lethbridge 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 Lethbridge.

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