Compare Grande Prairie Car Insurance Quotes

Q: 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 with rates continuing to rise each year could you be paying less? Let's find out by comparing car insurance quotes today.

Q: What are the best Grande Prairie car insurance companies?

When we think of the best car insurance companies , we often think of big players like TD, CAA (AMA), or Intact. But the best car insurance company for you is the one that will give you the best rate and a hassle-free claims experience. Here's a starting point for your search – by entering your postal code and answering a few questions, we'll let you know which insurance company provides the best rate based on your unique driving profile. From there, we'll connect you with an insurance broker who can put the final touches on your policy and answer any questions you may have. Your insurance broker can also give you an opinion about the company's customer service and claims experience that you can trust.

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How car insurance in Grande Prairie works

Matt Hands, VP, Insurance and MoneySense

September 18, 2023

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

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)

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

Compare Grande Prairie insurance quotes and uncover the savings

In less than 5 minutes, you can compare multiple quotes from a number of Grande Prairie's top car insurance companies, for free.

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

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 quotes with us is free.
Stay with your current insurer
Some Grande Prairie car 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 up to 3-5% simply by adding winter tires to your car.

Ready to compare car insurance in Grande Prairie?

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Frequently asked questions about Grande Prairie car insurance

How much is car insurance in Grande Prairie?

Who are the best car insurance brokers in Grande Prairie?

First, be sure to find a broker licensed by the Insurance Brokers Association of Alberta. You can start your search there. You can also ask family and friends for their advice and referrals. However, it's a personal choice and you want someone who can give you a great rate with excellent customer service.

If you get Grande Prairie car insurance quotes with us, we'll connect you with our preferred brokerages in Alberta to help you navigate through your policy and ensure you get the coverage you want.

What are the best Grande Prairie car insurance companies?

When we think of the best car insurance companies, we often think of big players like TD, CAA (AMA), or Intact. But the best car insurance company for you is the one that will give you the best rate and a hassle-free claims experience.

Here's a starting point for your search – by entering your postal code and answering a few questions, we'll let you know which insurance company provides the best rate based on your unique driving profile. From there, we'll connect you with an insurance broker who can put the final touches on your policy and answer any questions you may have. Your insurance broker can also give you an opinion about the company's customer service and claims experience that you can trust.

Matt Hands, Business Director of Insurance

With 6+ years of experience at Ratehub.ca, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read full bio

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