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Written by Alexandra Bosanac

Save on car insurance in Lethbridge, Alberta

Lethbridge is Alberta’s fourth largest city, sitting southwest of Calgary on the Old Man River. It’s not only known for Chinook winds and lots of sunshine, but as a business and cultural hub for southern Alberta.

Alberta is among the most expensive provinces to insure a vehicle in, but fear not. RATESDOTCA works with over 50 of Canada’s best insurance providers to help you find the best deal.

Frequently asked questions about car insurance in Lethbridge

How much does car insurance cost in Lethbridge?

Albertans face the third highest car insurance premiums in Canada. According to the Insurance Bureau of Canada, they pay an average of $1,316 per year, or $109.67 monthly.

Using an online tool to shop around is a great way to reduce premiums. RATESDOTCA users save an average of $676 on car insurance.

What factors affect the cost of car insurance in Lethbridge?

There are a number of factors affecting car insurance costs, including how frequently you drive, your driving history, where you live, as well as the age and model of your vehicle.

Residents of larger cities like Calgary and Edmonton generally pay higher premiums. In a smaller city like Lethbridge with fewer drivers, crime and collisions drivers tend to pay lower premiums.

You can’t influence every factor used to calculate your insurance rate, but by keeping a clean driving record and checking quotes at RATESDOTCA you can help save yourself money.

How can I lower the cost of car insurance in Lethbridge?

There are several ways to lower your car insurance costs, starting with keeping a clean driving record and making your payments on time.

The age, make and model of your vehicle affect how much you pay. If you’re purchasing an automobile and want to reduce your insurance premiums, consider a pre-owned one. You can also consider a model without too many options, which can be costly to repair in case of a collision.

Avoiding extra insurance coverage can reduce your payments as well as taking advantage of discounts. Different companies offer different ways to save, for instance, reduced rates for those who take driver education courses.

Though loyalty to an insurance company can often result in reduced rates over time, sometimes changing companies offers a chance for savings. Shopping around for cheap car insurance quotes in Lethbridge using RATESDOTCA offers you dozens of options to find the perfect fit for your auto insurance needs.

What type of car insurance is mandatory in Lethbridge?

Alberta drivers need two types of vehicle insurance coverages before they get behind the wheel.

One is personal liability and property damage insurance coverage, or PLPD. It’s also commonly known as third-party liability insurance and covers damage and injury caused to others by your automobile.

The other is accident benefits insurance, which helps cover medical costs if you or someone else is injured in an accident, regardless of fault.

These two coverages are included in a standard auto insurance policy.

Other types of insurance like collision or comprehensive coverage are optional and depend on your unique needs.

How does comparing Lethbridge auto insurance rates help lower the cost of insurance?

Car insurance brokers in Lethbridge have different ways they calculate premiums. These include the driving histories of a company’s customer base or loss ratios impacted by underwriting standards. These methods can vary between companies, even when pricing policies in the same city. That’s why it’s a great idea to compare premiums before committing to an insurance policy.

But there are also different ways to get a great deal. Some companies offer discounts which you can take advantage of to lower premiums. This can range from discounts for driver education or alumni or membership discounts. The best way to find the cheapest policy is to compare different options using a free online tool like RATESDOTCA.

*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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