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How car insurance in Grande Prairie works
Matt Hands, Business Director, Insurance
Grande Prairie is the seventh-largest city in Alberta with a population nearing 70,000. It’s at the intersection of Highway 40, better known as the Bighorn Highway, and Highway 43 which is part of the CANAMEX Corridor linking Canada and Mexico together through the US.
It’s about 400km northeast of Edmonton and just over 100km from BC. The average annual car insurance premium in Grande Prairie ranges between $1,400. Its economy is diverse including oil, gas, agriculture, and forestry but its claim to fame is the flat prairie driving along its major highways.
All that driving means you’re doing to want to pay low car insurance premiums. At Ratehub.ca, we help the people of Grande Prairie shop for the best car insurance rates in just minutes to suit their budget and preferences.
Grande Prairie operates in a hybrid system between tort and no-fault insurance. No-fault means drivers use their own insurance company regardless of who is at-fault in an accident. A tort-based system allows you to pursue the other driver for damages.
Alberta auto insurance is provided by private insurance companies and is regulated by the Auto Insurance Rate Board (AIRB). AIRB ensures rate increases are substantiated. Simply put, an insurer can't raise rates without prior approval from the regulatory body and is based on their financial records.
Available Grande Prairie car insurance coverage is broken down into two categories - mandatory and optional.
Mandatory Grande Prairie auto insurance coverage includes:
- Third-party liability
- Accident benefits
- Direct Compensation Property Damage (DCPD)
Optional Grande Prairie car insurance coverage includes:
- Collision insurance
- Comprehensive car insurance
- Specified perils
- All perils
There are also optional Standard Endorsement Forms (SEF) which are endorsements you can add to your coverage. Here are 4 common Grande Prairie auto endorsements.
- SEF 101 - covers the cost of a rental vehicle while yours is being repaired or replaced
- SEF 27 - Ports your existing insurance to a rental car or car you borrow
- SEF 39 - Accident forgiveness - insurance won't go up after your first at-fault claim
- SEF 43R - Removes depreciation in calculating the value of your car when settling a claim
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Mandatory coverage for auto insurance in Grande Prairie
Mandatory insurance is mostly about protecting you from damage you may cause to others and their property. Protecting you personal car is available with optional coverages.
Third-party liability
Accident benefits
Uninsured motorist (MVAC)
Direct Compensation for Property Damage (DCPD)
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Optional coverage for auto insurance in Grande Prairie
The below coverages are optional, unless you lease your car and your lessor requires them. Typically, new cars will get the optional coverages.
Collision insurance
Comprehensive
Emergency roadside assistance
Specified perils
All perils
How much is car insurance in Grande Prairie?
The average cost of car insurance in Grande Prairie is roughly $1,400 per year, or about $115 per month. But rates are rising. Could you be paying less? Let's find out.
Factors that impact your Grande Prairie car insurance rates
It pays to shop around to find cheap car insurance in Grande Prairie. Even though an insurance application is fairly standard you will find that different insurance companies offer different rates based on their existing users, the number of active claims on their fiscal books, and overall risk tolerance calculations. Furthermore, there are several factors beyond your control that impact a risk tolerance calculation, like if you live in an area with higher than average levels of insurance fraud. Here are seven factors auto insurance companies consider before offering personal car insurance in Grande Prairie:
Driver demographics
Where you live
Vehicle type
Driving history
Driving activity
Type of insurance coverage
Applicable discounts
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How to get cheap car insurance in Grande Prairie
Shop and compare
Research which company provides cheap car insurance in Grande Prairie, and also the best value for you and your vehicle. Rates may change up to four times a year, but lucky for you comparing Grande Prairie car insurance with us is free.
Stay with your current insurer
Some Grande Prairie auto insurance companies will give loyalty discounts to drivers who remain active with them for years. Especially if they add family members or multiple vehicles to their policy.
Bundle your policies
If you use the same insurance company for both your home and auto insurance needs, your insurer will often thank you with a dip in premiums.
Get a multi car discount
If you have multiple drivers and vehicles in the same household, by putting them all on one policy can save you money.
Increase your deductible
Your deductible is the portion you pay when settling a claim before your insurer will pay the rest. If you’re willing to double your deductible, it could save you money.
Ask about discounts
If you’re a member of a large corporation, union, or a school alumnus, it could help you get cheaper Grande Prairie car insurance
Pay premiums annually, instead of monthly
Paying monthly adds administrative costs to your insurer, so if you’re able to pay in full annually you can lower your premiums.
Maintain a good driving record
If you’re a safe driver, obey the rules of the road and drive according to road conditions you can reduce your chances of an accident. Car crashes stay on your insurance record for up to ten years and can result in higher premiums.
Install winter tires
You can save 3% - 5% simply by adding winter tires to your car in Alberta
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FAQ
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Author Bio
Matt Hands, Business Director of Insurance
Matt started his professional career at CARPROOF where he honed his marketing and analytical skills for over 3 years. Matt then took his wealth of experience to Ratehub.ca’s Toronto offices, working with insurance providers, agents, and brokers to grow and expand the Insurance business unit. He is a thought leader in the community and a valuable insurance resource to respected publications like the Globe & Mail, Toronto Star, Huffington Post, Yahoo News, and 680 news radio in Toronto.
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