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We can help you find cheap car insurance quotes in Grande Prairie.

All Grande Prairie drivers need a good auto insurance plan. At LowestRates.ca, you can get the most competitive quotes from all the top providers, quickly and easily.

Comparing rates on LowestRates.ca is a great way to ensure you’re securing the best deal. Luckily, there are lots of auto insurance companies serving Grande Prairie and one of them will be your perfect fit. To find the best auto insurance company, all you have to do is compare the market. At LowestRates.ca, you can find the cheapest car insurance prices from Grande Prairie car insurance brokers and agents in your area — just like that.

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Driving in Grande Prairie.

Most popular cars in Grande Prairie

With almost 70,000 residents and counting, Census Canada has named the northern Alberta town of Grande Prairie one of the fastest growing municipalities in the country.

And according to LowestRates.ca data, the oil, gas and agriculture hub prefers North American cars.

Popular Brands

  1. Dodge
  2. Ford
  3. Chevrolet
  4. Jeep
  5. Nissan

Who shops for auto insurance in Grande Prairie?

With more than 80 different cultural groups living in the region, the residents of Grande Prairie are diverse. We’ve pulled some numbers to give you a better idea of who’s shopping for cheap auto insurance quotes in Grande Prairie.

Gender of our users

Male
57%
Female
43%

Average Age

33

years old

Tickets & Accidents

Have Tickets
26%
Have Had Accidents
17%

Your questions about Grande Prairie car insurance, answered.

 

How much is car insurance in Grande Prairie?

There is no standardized cost for car insurance in Grande Prairie, because car insurance is an extremely customized product. Your premium will depend on a number of different factors — some which are in your control and some that are not — including the loss ratios of the car insurance company in Grande Prairie you’ve selected. Car insurance calculator tools geared for Grande Prairie drivers require less information, but this also makes them less accurate. Keep reading for more information on how to estimate your car insurance costs in Grande Prairie.

Which Grande Prairie postal code has the highest premiums?

The postal code with the highest average automobile insurance price in Grande Prairie is the region of T8W. This region encompasses lots of green space and a number of recreational centres, including the South Bear Creek Baseball Diamonds and the Grande Prairie Golf and Country Club.

Which Grande Prairie postal code has the lowest premiums?

The T8V region pays the lowest prices for car insurance in Grande Prairie, according to data pulled from LowestRates.ca. This district stretches right through the heart of Grande Prairie and includes main attractions like the Prairie Mall Shopping Centre and the Grande Prairie Airport.

How do Grande Prairie car insurance quotes compare to other cities in Alberta?

Just like in any city, cheap car insurance can be difficult to find in Grande Prairie. We pulled data from LowestRates.ca to give you an idea of where in Alberta people pay the most for car insurance.

The most expensive cities to purchase car insurance in Alberta, starting with the highest, are:

  1. Edmonton
  2. Rocky Mountain House
  3. Camrose
  4. St. Albert
  5. Calgary

Grande Prairie doesn’t make the list of the most expensive cities in Alberta to be a driver. That doesn’t mean that it’s the least expensive city, either.

See below for a list of the Alberta cities that pay the least in car insurance, starting with the lowest.

  1. Cochrane
  2. Parkland County
  3. Hinton
  4. Ponoka
  5. Medicine Hat

The location of your primary residence can have an impact on your car insurance rates, but this isn’t the only thing you need to think about. Your premiums can also be affected by your age, your driving history and how often you drive along with several other things.

There are some things you can do to secure an affordable car insurance rate in Grande Prairie. Some of these include buying a car that’s not a known target for thieves and has good safety ratings, being a defensive driver, sticking with a basic insurance policy, and making payments on time.

But some factors are not within your control. These primarily include the insurance company’s loss ratios, which are driven by the claims history of other customers. Furthermore, every insurance company has different underwriting standards.

One thing you can do is make sure to drive safely and always make your payments on time. And don’t forget to compare the market to make sure you’re getting the best deal.

What factors determine my car insurance quotes in Grande Prairie?

There are a number of factors that determine your car insurance rates in Grande Prairie. Here’s are some to consider:

Your licence level: Not having a full licence will cause your premium to be higher. Conversely, having a full licence has a positive effect on your car insurance rates. New drivers looking for car insurance in Grande Prairie should expect higher rates due to this.

Your mileage: How much you drive every day is another major contributor to what you’ll pay for auto insurance. Someone that drives 30-45 minutes to and from work each day will pay more in car insurance than someone who only uses their car to run the occasional errand.

Your postal code: Insurance companies determine your rates partly based on the postal code region in which you live. If your area generally has a higher concentration of claims, you may find yourself paying higher rates than people living in the next postal code over.

Your driving record: Your driving history is another factor that will weigh heavily on how much you pay for car insurance. Someone with an accident or multiple tickets on their driving record will pay more for insurance than someone with a clean record, as they’ll be deemed higher risk. Having little driving experience (less than 10 years), previous claims, or driving convictions (or a combination of the three) will push your car insurance rates up. For this reason, car insurance rates for high-risk drivers in Grande Prairie will be higher than the average rate.

Your age: Like it or not, the younger you are, the more you’ll pay in car insurance (until you’re about 30). This is because you’re considered a high risk driver until you’ve built up enough of a driving history to demonstrate the opposite. There isn’t much you can do about it, but at least you’re not alone. Young people across Canada contend with higher auto insurance rates than the more experienced drivers they share the road with. This is another reason insurance companies are hesitant to give new drivers in Grande Prairie a cheap rate on their car insurance.

However, being young isn’t the only way age can impact your car insurance rates. Adults between the ages of 50 and 70 get some of the lowest car insurance rates in Canada. If you belong to this demographic, you probably have a long history of being insured and you might even have bundled your home insurance policy with the same provider as your auto insurance. After age 70, though, you might see your rate begin to creep up because people in this age group are statistically more likely to need to file a claim and need longer to recover from an injury. Car insurance rates for seniors in Grande Prairie may be higher than average for drivers above 70.

Your policy: How much you pay for auto insurance is impacted by how much coverage you buy. There are a number of different policies to choose from in Grande Prairie, but everyone in Canada is required to have at least a basic level of car insurance.

Your insurance history: In addition to having a poor driving history, your insurance history can also play a role in determining your rates. If you’ve filed multiple claims or have a history of missing payments, you may be given a higher rate. Furthermore, new immigrants who need car insurance in Grande Prairie may also face challenges because they have no Canadian insurance history at all. However, the fallout from this can be mitigated if you can provide proof of insurance from your previous car insurance company.

Having a consistent income: Having a regular source of income indicates to insurance companies that you’ll be able to make regular payments. This is also why students who need car insurance in Grande Prairie may face challenges securing an affordable rate.

What kind of car insurance do I need in Grande Prairie?

Third-party liability and accident benefits - You must carry this type of insurance to legally operate a car in Alberta. This type of basic car insurance policy protects your liability if you injure someone else in a collision. It also pays for your medical costs. You must have liability benefits worth at least $200,000 and accident benefits worth at least $50,000.

Collision - Covers costs if your car is damaged in a collision.

Comprehensive - Covers costs if your car is damaged by things other than a collision, including theft, vandalism, or falling objects.

Specified perils - Protects your car from insurable risks that you specify you want in your policy. If it’s not written in the policy, it isn’t covered.

All perils - A hybrid between collision and comprehensive insurance. Offers coverage if your car is damaged in a collision or by any other insurable risk.

You can customize your car insurance quote to reflect any type of coverage.

Where do I get cheap car insurance quotes in Grande Prairie?

It’s difficult to answer this question for several reasons.

First, there isn’t one insurance provider that offers all of its customers the cheapest rates. Car insurance is an extremely customized product based on your personal circumstances, driving history and financial history. It’s almost safe to say that no two premiums are exactly alike.

And while there are many things you can do to become eligible for a cheaper rate, some factors are not within your control. These refer primarily to the loss ratios and the underwriting standards of the provider you’re working with. Don’t get discouraged if you’re having trouble finding a great auto insurance rate. Take a few minutes to fill out a quote on LowestRates.ca and we’ll find you the best rate for your situation in no time.

Facts and myths about driving in Grande Prairie.

Facts

  • Grande Prairie's busiest intersection is, arguably, the corner of 100 street and Highway 40. More than 5,000 vehicles pass through it every day.
  • Grande Prairie streets are numbered, not named. It's easy for newcomers to navigate through Grande Prairie because the streets follow a numerical grid pattern.
  • Grande Prairie streets run north-south and avenues run east-west. Notice a theme? Easy-to-understand names are a hallmark of Grande Prairie roads.
  • Grande Prairie is a key stop for drivers headed to Alaska. It's the only major city between Edmonton and Dawson Creek, which is the starting point of the Alaska Highway.

Myths

  • The 68 Avenue Twinning project is complete. False. But as of October 2016, the twinning project and the new bridge over Bear Creek are almost done.
  • There's nothing to do in Grande Prairie. False. For starters, Grande Prairie hosts the Reel Shorts Film Festival. And for kids, there's the Eastlink Centre, which boasts a splash park, surf simulator, and indoor pool.
  • You have to drive everywhere in Grande Prairie. False. Grande Prairie has a small, but excellent, bus service that operates routes throughout the city.
  • Grande Prairie doesn't have traffic jams. False. Grande Prairie's rapid growth over the past decade led to more traffic than some of the roads were designed to handle.

Grande Prairie driving tips

  • Buy snow tires. In Grande Prairie, winter comes early and stays for a long time. Snow tires are essential for safely navigating Grande Prairie's roads between the months of October and April.
  • Use the bypass. The Highway 43X bypass, which runs from Highway 43 at the Four Mile Corner Junction with Highway 2, reduces congestion in Grande Prairie and is a great way to get through town.
  • Got a parking ticket in Grande Prairie? Don't leave the comfort of your home. You can pay your ticket online through the city's website.
  • Parking meters charge 25 cents for 30 minutes. They accept quarters, loonies, and toonies, but they don't take nickels or dimes.

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