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Car Insurance Northwest Territories

Multiple Car Insurance Quotes + a Real Person To Help You Along The Way

Save up to 25% on car insurance in Northwest Territories with Surex

If you live in the Northwest Territories, you know that it’s nearly impossible to get around if you don’t have a vehicle. In order to drive your vehicle, you need to have car insurance in Northwest Territories. Finding the best insurance coverage from an online auto insurance company isn’t easy, unless you team up with a Surex insurance advisor.

At Surex, we team you up with a personal insurance advisor (our preferred term for insurance broker) who can help you with your search for online insurance from start to finish. How do we provide such affordable car insurance quotes in Northwest Territories? It’s simple — we work closely with the top car insurance companies in Canada. Contact us today to receive your auto insurance quote and learn how you can save up to 25% on some of the best car insurance in Canada.

Comparing rates from Canada’s leading Auto insurance providers
Wawanesa Insurance
Pembridge Insurance
economical
Intact Insurance
TuGo
travelers
Jevco Insurance
Types of Coverage That Surex Provides Drivers in Northwest Territories
Accident Forgiveness

This allows one 'free' at-fault accident, meaning your rates will not increase on your first accident if you remain with the same company.

Car Rental Coverage

You can have your car insurance coverage extend to protect you while driving a rental vehicle up to a certain limit.

Collision Coverage

Provides coverage to repair/replace your car if it's damaged in an at-fault accident, hit and run or with an uninsured driver.

Comprehensive Coverage

Subject to a deductible typically covers fire, hail, theft, collision with an animal, vandalism and falling objects among others.

Depreciation Coverage

In the event of a "Total Loss" this coverage will protect you from depreciation. You’ll be entitled to the original price you paid/current sale price

Family protection

Protects you or a family member if injured or killed in an accident caused by an uninsured/under-insured motorist.

Third Party Liability Coverage

When deemed legally responsible, provides coverage for injuries or damage caused by you to third parties and their property.

Windshield Coverage

Windows are included in comprehensive, however, you have the option to remove this coverage in order to lower your premium. *AB it is not included

Car Insurance in Northwest Territories - What You Need to Know

A few key factors go into pricing auto insurance in Northwest Territories. They are:

  • Insurance data — The geographic area you live in can impact your car insurance rates. For instance, if you live in an area that sees minimal auto insurance claims, then your car insurance rate will be less — all things equal — compared to if you live in an area that has a high amount of car insurance claims.
  • Your personal driving history — The auto insurer you choose for your car insurance needs will need to know, and verify, your prior driving history. This relates to at-fault accidents, as well as driving tickets/convictions.
  • The type of auto insurance coverage you’re looking for — In Northwest Territories, there are three degrees of car insurance coverage available. They are:
    • Third Party Liability: By law in Northwest Territories, this is the minimum auto insurance coverage required.
    • Liability, Collision & Comprehensive: This is the maximum amount of auto insurance coverage available in Northwest Territories. Often referred to as full coverage.
    • Liability, Collision OR Comprehensive: If auto insurance was sized like sweaters, this would be the medium. If you want more than the minimum but feel the maximum coverage is too big/much, you can choose to add one of collision or comprehensive to your liability coverage.

If you’re leasing or financing a vehicle, know that there’s an extremely large chance full coverage — liability, collision and comprehensive coverage — will be required on your vehicle, as per your leasing/financing agreement.

Aside from teaming up with the best insurance broker, the clearest path to getting more affordable car insurance rates in Northwest Territories is by being eligible for auto insurance discounts. Auto insurers offer discounts to qualified individuals, as they deem them a client they’d like to have. The type of clients car insurers want are those that always pay their bills and those that are great drivers.

  • Good credit discount — Typically, this is the largest car insurance discount auto insurers will offer. Because of this, whether when filling out an online car insurance quote on our website, or when speaking with your Surex Personal Assistant, you’ll be asked if we can do a soft hit of your credit score. This soft hit will not impact your rating. If the soft hit shows your credit is 650+, you can be eligible for an auto insurance discount that can save you up to 20% off your annual car insurance premium amount.
  • Claims-free discount — One of the best ways to demonstrate you’re a responsible driver is to not be involved in at-fault accidents. Shocking, we know! If you’ve gone 6+ years without an at-fault claim on your record, it’s a good idea to shop the market and compare insurance companies. Some insurers will offer a claims-free discount of up to 10% off your annual premium amount to earn your business.
  • Conviction-free discount — Avoiding traffic tickets, for an extended amount of time, usually shows how dedicated you are to obeying traffic laws. Or you’re super lucky… Regardless, if you’ve gone three (or more) years without a traffic conviction, you’re eligible to receive a convictions-free discount, which can lower your auto insurance premium amount by up to 10%.

The easiest way to obtain affordable car insurance rates from an auto insurance company in Northwest Territories, as a new driver, is to pass a certified driver’s training course.

As a new driver, you have yet to build up a history demonstrating your driving ability, for better or worse. Because of this, auto insurers rely on their data, which shows new driver’s tend to be involved in more at-fault accidents.

Again, you personally, have yet to accrue driving history to show otherwise. This is where passing a certified driver’s training course comes in. Most of the top car insurance companies in Canada will increase your driver’s star rating by two stars for passing a certified driver’s training course. This uptick in star rating is the equivalent of adding two clean years of driving to your record.

Going from zero years of clean driving history to two years, via a certified driver’s training course, can save you up to 15% off your annual auto insurance premium amount.  

Whether you’re a new driver, or a driver from a foreign country without access to your previous country’s driver’s abstract, consider this option if you want to get an automobile insurance quote for low cost auto insurance in Northwest Territories.

Best Attractions in the Northwest Territories
  1. Aurora lights
  2. Fishing
  3. Hunting
Best Landmarks in the Northwest Territories
  1. Nahanni National Park Reserve of Canada
  2. Great Slave Lake
  3. Virginia Falls
Best Restaurants in the Northwest Territories
  1. Zehabesha Traditional Ethiopian Food
  2. The Woodyard Brewhouse & Eatery / NWT Brewing Co
  3. Dancing Moose Cafe
Northwest Territories Auto Insurance Rates Vs. the Rest
Residents of NWT pay relatively modest premiums, compared to the rest of Canada. British Columbia, Ontario & Alberta all pay significantly more, on average, than those in Northwest Territories.

Province

Average Rates

British Columbia

$1,832

Ontario

$1,528

Alberta

$1,316

Newfoundland & Labrador

$1,168

Manitoba

$1,140

Northwest Territories

$978

Nunavut

$963

Saskatchewan

$1,235

Nova Scotia

$891

New Brunswick

$867

Yukon

$812

Prince Edward Island

$816

Quebec

$717

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Talk to Real People

Insurance Broker
Andreas

Licensed Insurance Advisor

Do you have questions about car insurance in Northwest Territories?

This is a personal choice, for you to decide. Your Surex Personal Assistant will be able to answer any questions you have pertaining to the coverages available to you, including the impact adding or removing coverage will have to your annual automobile insurance premium in Northwest Territories.

There isn’t a set age that car insurance magically becomes cheaper. The more clean years of driving you can add to your driving record, and the more years you demonstrate the ability to always pay your insurance bills, will mean your affordable car insurance rates will come down sooner than later.

On the flip side, if you struggle to avoid at-fault accidents, driving convictions and struggle paying your car insurance bills, you’ll be waiting longer to see your rates come down.

In the sense of the potential replacement cost of your vehicle, a lower value of vehicle will cost less to insure — all things equal — than a more expensive vehicle.

Some people opt for lower auto insurance coverage on older vehicles. Less coverage — again, all things equal — will be cheaper than more extensive coverage.

Even if you have the best car insurance in Canada, this varies, from one car insurer to another. Unless you have accident forgiveness from your current car insurer, expect an at-fault accident to stay on your record for six to ten years.

If you’ve gone six (or more) years without an at-fault accident, it’s a good idea to shop the auto insurance market in Northwest Territories. Again, some insurers will overlook an accident after six years. Some will even offer a discount to earn your business.

Unless you have accident forgiveness on your insurance policy, then the odds are it will, in the event of an at-fault claim.

Across Canada, including in Northwest Territories, car insurance rates have been increasing, as a whole. This is similar to inflation and any other good or service.

Yes! When you get insurance online, most of the top insurance companies, be it car or home insurance, will allow you — their client — to choose whether you pay for your premiums with a credit card or by direct deposit.

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