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Cheap Car Insurance for Medicine Hat Drivers.

You commute for work via Crowsnest Highway to get to Dunmore or have relatives in the Town of Redcliff. Whatever your reason to travel by car in Medicine Hat, car insurance in this Southeastern Alberta city is essential. But what insurance options and prices are available 

Why should I choose Sharp Insurance for my Medicine Hat car insurance?

At Sharp, our brokers act as your advisor: we find you competitive rates and act on your behalf to get you the optimal insurance coverage options for your unique needs.  A few other pluses: 

You get the freedom to choose.

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

You have a variety of options.

You have 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 guidelines to make the best choices for your insurance needs.

We’re digital.

Our digital tools help you find information about your claims and policy details anywhere and anytime. Find out more information about our MySharp app.

See for yourself what we can do for you.

Is car insurance mandatory in Medicine Hat?

Drivers in the sixth-largest city in Alberta must not drive without valid car insurance, like all cities in the province. It’s essential to have third-party liability and accident benefits in your insurance package. We highly recommend you carry $2 million to $3 million dollars in third-party liability due to rising car repair costs and medical expenses. If you get into an accident without this coverage, your out-of-pocket expenses could be beyond what you can afford.

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. 

Did you know?

The average number of claims in Medicine Hat is 1.04 per person, the highest in the province, compared to Alberta’s 0.7 claims per person. 

The Proper Auto Insurance Coverage in Medicine Hat

Having precise car insurance coverage in Medicine Hat is the perfect mix of security and cost.

What are the optional coverages for auto insurance in Medicine Hat?

There are several optional coverages for Medicine Hat:

Collision

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

Comprehensive

Covers the expense of car repairs and replacements due to theft or damage by hail, vandalism, or 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 your
car 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

Covers the cost of repairing or replacing your car’s glass. e.g. car windshield if it’s damaged.

Loss of Use

If you make a claim on your car insurance, you can get money for public transit, taxis, 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.

Every insurance company offers different optional protection to Medicine Hat drivers. Talk to a Medicine Hat auto insurance broker to figure out what coverage you need and how you can make it work with your budget.

Did you know?

It’s a myth that men pay more for car insurance than women. On average, the cost for a male to insure a car is $953 in Medicine Hat, almost identical to the cost to a female driver.

How much does car insurance cost in Medicine Hat?

Car insurance rates in Medicine Hat are on the low-end in Alberta, at $1,047 a year, or $86 a month. This rate compares to the provincial annual average rate of $1,235, or $103 per month.   

Car Insurance Prices:

$1044 – 2010 Dodge Caravan SE

$1727 – 2014 Dodge Ram 1500 Sport Crew Cab 4WD

$1452.50 – 2017 Ford Escame SE 4DR 4WD

$1668 – 2018 Ford F150 XLT Supercrew 4WD

$1173.50 – 2013 Hyundai Santa Fe 2.0T 4DR AWD

What affects the cost of auto insurance in Medicine Hat?

You may think you’re stuck with your existing car insurance rates and hope they go down as you get older. Rates do decrease with age, but you don’t have to wait 10 to 15 years to get a better premium. Folloour tips below, as there are many variables that can affect your insurance rates. 

10 Factors that impact your Auto Insurance Rates:

  • Insurance and claims history
  • Discounts
  • claim and crime rates in your area
  • Credit rating
  • Drivers report (traffic violations, etc.)
  • Where you live, marital status, age 
  • Car type and age 
  • How often you drive your car  
  • If you drive your car every day and how far 
  • Status of the driver: new or experienced  

Did you know?

The average number of claims in Medicine Hat is 1.04 per person, the highest in the province, compared to Alberta’s 0.7 claims. 

How do tickets impact Medicine Hat auto insurance?

An improper turn or being impatient at a stop sign won’t result in a major traffic offence, but you could end up with demerit points. With demerit points racking up on your policy, your insurance rates will increase beyond your control. Driving habits matter; think about enrolling in a driver’s training course, if you keep getting tickets.  

A traffic offence can fall under two different categories for drivers: minor and serious. Below are a few examples of what you could get charged with, which in turn in many cases will negatively affect your rates.  

Minor Traffic Tickets

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

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

Major to Serious Traffic Tickets

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

How to Get the Cheapest Car Insurance in Medicine Hat

Deciding on what you need in your car insurance policy doesn’t have to be a daunting task. At Sharp, we’re here to help you decide whether you need collision if you have an older car or if theft is a high priority for you. Do you use your own vehicle for work? Do you need a special add-on for that? We help you answer all your questions and find a price price that matches your life and budget.  

10 tips to lower your rates as a new driver: 

  • Avoid making a claim – pay out-of-pocket
  • Be a safe driver
  • Take a defensive driving course
  • Use winter tires during the winter
  • Install a safety device to prevent thefts/vandalism
  • Review your driving report every year
  • Drive less often: take transit or walk to work
  • Drive an older car on the road – omit collision insurance
  • Choose a higher deductible
  • Pay your insurance bills on time

Did you know?

Conviction rates in Medicine Hat are relatively high, at 0.25 per person, compared to 19 convictions per person in Alberta overall. 

How to Get a Medicine Hat Car Insurance Quote

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

Usually, the easiest way to get a car insurance quote is by going 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 Medicine Hat?

Make sure to have your personal information at your fingertips before you contact your insurer to get an auto insurance quote in Medicine Hat:

  • 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 Medicine Hat auto insurance quote:

  • 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, including:

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

Did you know?

Parking tickets are not a moving traffic offence, so they don’t impact your insurance rates. But if you don’t pay for you ticket, you won’t be able to renew your license.  

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

The more information you provide for an auto insurance quote, the more accurate your quote will be. Insurance companies calculate your rate based on risk –or how likely it is that you’ll make a claim or get into an accident.

Did you know?

Traffic convictions have a major impact on your car insurance rate in Medicine Hat. Your first counted ticket can raise your rates 25% or more!

How do car insurance claims work in Medicine Hat?

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 Medicine Hat:

  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 undrivable 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 Medicine Hat

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

In Medicine Hat, 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 Medicine Hat drivers based on their driving record.

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

Yes, speeding tickets affect your car insurance rates in Medicine Hat. 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 Medicine Hat. 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 Medicine Hat 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 Medicine Hat.

To Serve You Best, We Work Hard to Partner with The Best!

Please be advised that due to the recent storms, we are experiencing higher than average call volumes.

To make a claim, we recommend calling your insurance company directly to expedite the process. Click here to find your insurance company’s claims line

If you need a copy of your pink card, payment information or for any non-urgent request, use our mySharp app or online portal. Click here to log in.