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Protection On the Go.

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Cost-Effective Car Insurance for Lethbridge Drivers

Finding suitable car insurance in Lethbridge can be time consuming. You may have to sift through policy options and price points – but who has the time? Our brokers do the work for you. So skip the calls to multiple insurance companies and contact us today.

Why choose Sharp Insurance for my Lethbridge car insurance?

Choices are important to you as a driver in Alberta. We understand that searching for the ideal rate can be daunting. We take the frustration out of finding a great insurance policy that matches your lifestyle and budget. There are other ways we can help you out:  

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. 

See for yourself what we can do for you.

Is auto insurance compulsory in Lethbridge?

Anyone that drives a car in this southern Alberta city needs a secure car insurance policy to have peace of mind. Read through our mandatory car coverage options below. We advise you to secure third-party auto liability of about $2 million to $3 million due to higher auto repairs and medical expenses. In the event of a loss, you’ll pay out-of-pocket for these costs.

Mandatory Coverage

  • Liability: This type of protection includes expenses for injuries and damage you cause to others. This includes recouping legal expenses if sued.
  • Accident Benefits:  If a person gets injured, the driver will receive income replacement, rehabilitation, and medical benefits. It doesn’t matter which driver is at fault.

Additional Coverage

  • Collision or Upset:  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 Alberta’s average of $1,235 a year. 

What are voluntary coverages for car insurance in Lethbridge?

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

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?

On average, Lethbridge drivers carry two discounts on their car insurance policy, including an older driver, being claims-free, or being a loyal customer.

How much does vehicle 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 –  Nissan Rogue S 4DR AWD

 

What factors determine the price of vehicle 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 record
  • Build, model and year of vehicle
  • Credit Report
  • Community crime rate and claim rates
  • Discount add-ons
  • Tickets 
  • Marital status, years driven
  • Your driving routine
  • Daily drive to work or school
  • Young and new 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 up to 49km/h + over limit
  • Failure to share the roadway; no signalling
  • Traffic light violation
  • Wrong way on a one-way street

A serious traffic violation can seriously lift your car insurance premiums. A major offence could also result in you being denied additional coverage and less policy payment options. These include:

Major Traffic Violations

  • Driving 50km/h or more 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 Affordable Auto 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: 

  • Maintain a flawless driving report
  • Rule out submitting a claim; pay for the loss
  • Register for a defensive driving course
  • Tell your insurance company you use winter tires
  • Vehicle prevention tools (e.g. steering wheel locks)
  • Ride the bus or bike to work
  • Use an older vehicle on the road
  • Set a higher deductible
  • Always pay your insurance bills on time
  • Safety first on the road

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 an auto quote in Lethbridge:

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

What you need to get a car insurance quote in Lethbridge

It’s handy to have your personal information available ahead of a call with your insurer. To get a car insurance quote in Lethbridge, you require 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
  • Your insurer and policy number

If you finance your car, you may be required to give information about the loan and lender. You’ll also have to provide the answers to the below questions:

  • Commute with your car? If so, how far?
  • Do you ride-share?
  • Do you drive your car on a daily basis?
  • Is your car new or used?
  • Do you finance your vehicle?
  • Have you make any claims?
  • Is there any damage to your car?
  • Any accidents in the last six years?
  • Did you incur any tickets in the last three years?

Eventually, you’ll want to make a call on your insurance policy options, including:

  • The type of coverage you need.
  • Your policy limits (the maximum amount that you’ll get if you have a claim.)
  • The deductible figure in the event of a loss.

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

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

The details you offer your insurance company provided for an insurance quote will help determine the best quote. Insurers price based on risk – or how probable you’ll have a car accident.

How do car insurance claims work in Lethbridge?

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 Lethbridge:

  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).

The next steps require the help of your insurer or broker. If you need to submit a claim, you need details on what to do next, including arranging another car to drive if yours is damaged.

A claims adjuster investigates and manages your claim through the whole process, including settlement negotiation. Your insurer will close the claim when everything is complete, including repairs to your vehicle.

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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