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Written by Alexandra Bosanac

Why comparing quotes saves you money on your Fort McMurray car insurance policy

Amid oil sands and boreal forests, Fort McMurray and area is home to about 75,000 full-time residents. Between Northern Alberta weather and heavy industrial traffic, Fort McMurray drivers need to pay careful attention to the roads year-round.

Even though Fort McMurray isn’t among the most expensive cities in Alberta for car insurance, rates vary widely between companies. Reducing your auto insurance premium is possible, it just requires some planning.

Insurance companies calculate rates based on multiple factors, including loss ratios influenced by the driving records of their client base, which is something you can’t change. But drivers have control over many of the elements considered by insurers when determining premiums, including their driving history.

Your unique driving profile and needs might mean paying less than average for vehicle insurance in Fort McMurray with the right insurer.

By comparing car insurance quotes from more than 50 top Canadian insurance companies, RATESDOTCA will help you secure the best deal for your insurance needs. Read on to learn more about how to save money on Fort McMurray vehicle insurance or use our online tool to start comparing quotes today.

How to reduce your Fort McMurray car insurance premium 

Paying less for auto insurance in Fort McMurray may be easier than you think. Insurers take different factors into account when calculating premiums and only some of them, like your driving record, are largely within your control. Many factors, like the amount an insurer pays out in claims per year, are based on the behaviour of other drivers.

Luckily, careful and responsible driving habits will keep your individual premium down. At-fault accidents, driving under the influence or traffic tickets in your driving record will raise your rate and could potentially keep it elevated for a long time: these infractions typically stay on your record for several years.

Your vehicle choice is also important. Fully optioned and luxury models, particularly brand-new ones, are typically more expensive to insure. This is because there are typically higher repair costs if accidents occur, and because some of these models have high appeal to car thieves.

Seeking out discounts or reducing extra coverage can also help you trim premiums.

Before picking a policy, make sure you’re getting the best deal possible by comparing rates online. The RATESDOTCA comparison tool offers you dozens of quotes within minutes, including the plan that is cheapest for you.

Recent Fort McMurray car insurance quotes

Recent auto insurance quote from FORT MCMURRAY, ALBERTA
2003 TOYOTA CAMRY LE 4DR May 25, 2023
$ 1,165
Per year
Cheapest Quote
$ 1,509
Per year
Average Quote
$ 344
23 %
in savings
Recent auto insurance quote from FORT MCMURRAY, ALBERTA
2018 GMC SIERRA 1500 SLE CREW CAB 4WD May 24, 2023
$ 2,007
Per year
Cheapest Quote
$ 3,252
Per year
Average Quote
$ 1,245
38 %
in savings

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How to get Fort McMurray car insurance quotes on RATESDOTCA

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Frequently asked questions about Fort McMurray car insurance

How do insurance companies calculate rates for drivers in Fort McMurray?

Insurers take a lot of different factors into account when calculating premiums for Fort McMurray drivers. It’s a process which involves looking at many factors which impact a driver’s profile. These include their driving history and automobile, as well as where they live and how much they drive. Here's a list of some key considerations insurance companies consider when calculating premiums:

  • Driving record: Keeping a spotless driving record maximizes your savings. Your personal driving history, including tickets, driving violations and at fault accidents plays a huge role in how much you pay. These infractions often stay on your record for several years, during which you’ll pay higher insurance premiums.
  • Your vehicle: Newer luxury or sports cars, particularly models with lots of technical options, typically cost more to insure than other automobiles. They’re generally more expensive to repair or replace if an accident occurs, as well as more attractive to thieves.
  • Postal code: If drivers in your Fort McMurray neighbourhood are more likely to file vehicle insurance claims, your rates might be higher as a result. The opposite is also true.
  • Age and experience: Drivers under 25 and those who are newly-licensed generally pay above-average auto insurance rates. Drivers 70-plus may also pay higher insurance premiums. This is because of the greater risk of car accidents for both groups.
  • Annual mileage: Insurers ask for your driving frequency for a reason: the more you drive, the more likely you’re to get in an accident. Cutting back on driving, by integrating some public transit use into your lifestyle for example, can help trim your insurance costs.
  • Optional coverage needs: Fort McMurray (like all Albertan cities) has certain categories of car insurance which are mandatory for drivers. Others, however, are optional. Drivers who select coverage beyond the minimum requirements will pay more for vehicle insurance.
  • Discount eligibility: Many car insurance discounts exist, including some based on age or occupation, and others on alumni status or membership affiliation. Be sure to ask your insurance provider about available discounts to help reduce your insurance costs. Want to cut your premium by 5-15%? You can do this by bundling your home and auto insurance policies with the same insurer.
  • Additional drivers: When adding secondary drivers to your insurance policy, expect to pay a higher premium.

Which cars are the cheapest to insure in Fort McMurray

Fort McMurray drivers generally pay lower insurance premiums for automobiles with lower replacement or repair costs. This includes older-model and pre-owned vehicles, and those with high safety ratings. Vehicles with higher rates of collision or theft, including newer luxury and sports models with multiple high-tech options, typically cost more to insure.

How can I score discounts on auto insurance in Fort McMurray?

Fort McMurray drivers who save the most money shop around. Purchasing a new vehicle? Make sure to compare quotes for any models you’re considering before you buy. This helps make sure your insurance costs stay within your comfort zone.

The simplest way to get the best rates is to review multiple auto insurance quotes at once. RATESDOTCA’s online comparison tool will show you dozens of quotes within minutes.

Here are some tips to get the best vehicle insurance discounts in Fort McMurray:

  • Multi-vehicle discounts: Drivers can often save 5-15% on premiums by insuring more than one automobile with the same insurer.
  • Drive less: Since insurers consider your annual mileage, cutting back (like using public transit more) can lower your premium. Always tell your insurance company about significant changes in your driving frequency.
  • Reduce add-ons: Review your coverage annually and cancel optional insurance you no longer need. For instance, paying for collision coverage on an older vehicle may not make economic sense.
  • Drivers' education: Completing training with a licensed driving school can help inexperienced Fort McMurray drivers save money with most insurers.
  • Single annual payment: Ask your insurer if there’s an option to pay for your entire premium once annually instead of making monthly payments.
  • Increase deductibles: The more you agree to pay out-of-pocket when filing a claim, the lower your premium will be.
  • Safety features: You can often save by installing approved anti-theft devices or other safety features on your vehicle. Before you buy and install the device be sure to confirm with your insurer that it’s eligible.
  • Group discounts: Certain professional associations and other groups benefit from discounted premiums when insured under group policies.
  • Install winter tires: Using winter tires keeps you and your passengers safe in snowy or icy weather. It can also save you about 5% annually with some insurers.
  • Bundle home and auto policies: Bundle your home and auto insurance with the same insurer to receive multi-line discounts of 5-15% off.

Shop around and save on Fort McMurray car insurance today

Reviewing multiple quotes is the best way to get cheap automobile insurance in Fort McMurray, and it’s never been easier. Within minutes our RATESDOTCA online tool helps you compare quotes from more than 50 of Canada’s top insurance companies.

*Shoppers in Alberta who obtained a quote on RATESDOTCA and transacted via our contact centre from January to December 2021 saved an average amount of $736. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of all other quoted premiums generated by RATESDOTCA.

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