Alberta Auto Insurance you can trust
Our brokers know what you need for those unpredictable Alberta roads.
Finding You the Best Auto Insurance Coverage
Maybe you’re a new driver, or you just treated yourself to that classic car you always dreamed of. We understand that no two drivers are alike, nor are their needs. We will find you the most affordable rates customized to protect you and your car.
Ing & McKee Insurance is Central Alberta’s largest independent insurance broker. We have been helping Albertans like you find auto insurance for their trucks, cars, and family vans for over 90 years. We are located in Red Deer, Blackfalds, Grande Prairie, and Rocky Mountain House.
Brokers that listen to your needs
Our knowledgeable brokers take the time to get to know you so you get the plan that meets your needs AND your budget. Feel confident that if you ever need to make a claim we’ve got your back.
We know Alberta
We live in Alberta, work in Alberta, and drive in Alberta. So we know that you need coverage for those nasty June hail storms, that icy winter commute, and that surprising encounter with that moose. Protect yourself and drive with the assurance that if anything unexpected happens, you’re covered.
The broker benefit
When it comes to finding the best rate, you’re in the driver’s seat. We’re independent brokers, which means that we don’t have quotas to meet. Having no quotas allows us to find the best plan to suit your needs and lifestyle.
Easy, online experience
Our app gives you easy access to your pink card, your policy, and your payment schedule. You can even make a claim using our app! It also comes with other tips and tricks, like telling you how far away you are from the nearest gas station. Download the Ing & McKee app on Apple or Android.
Ways to save
Combine Home and Auto
Two or more vehicles
Experienced drivers
Driver’s Education Course
No claims bonus
Telematics
Ready To Get Started?
Auto Insurance 101
Whether you drive a car, truck, or a fast sports car, auto insurance is mandatory for all Alberta drivers.
Mandatory Coverage: Every driver is required by the law to have accident benefit and third-party liability (sometimes referred to as PLPD). Accident benefit provides limited health care coverage in the event of an accident, regardless of who is at fault. Third-party liability covers damage to other people, vehicles, and their property when you’re at fault in an accident, but doesn’t cover damage to your vehicle.
Comprehensive & Collision Coverage: Comprehensive and collision coverage is about covering the costs of your vehicle. Comprehensive coverage protects your car against things that are outside of your control, such as the weather, animals, fire, and theft. Collision coverage covers the damage to your vehicle in the event of an accident.
Third party liability protects you in an at-fault claim (when you’re at fault for the damage). Your third party liability insurance will cover fixing someone else’s damaged property, their medical needs, and the cost of attending court. Third party liability doesn’t cover the cost of any injuries or damage that you sustained during an at-fault incident.
- Repair cost to any vehicle you’ve damaged
- The medical costs of anyone you’ve injured
- The cost of the claims if someone sues you up to limits of your coverage
- The neighbours’ fence your kid accidentally drove into
Accident benefits give you and those in your vehicle limited health care coverage in the event of an accident, regardless of who was at fault. Known as no-fault benefits, your accident benefit coverage starts the minute you are in a crash and will cover ambulance rides, some hospital bills, death and dismemberment.
- Services which are essential for your treatment and recovery
- Physical therapy, medication, dental, and chiropractic care
- The ride in the ambulance
- Some funeral expenses
- The cost of rehabilitation
Comprehensive coverage protects your car against things that are outside of your control, such as the weather, animals, fire, and theft. Although it is not mandatory, it is recommended given the unpredictable weather in Alberta.
- Hail storms
- Wind storms
- Theft
- Valdilism
- Fire or explosions
- Flood/Rising Water
- Falling objects
- Damage from hitting an animal
- Riot after a crazy hockey game
Collision coverage will protect your vehicle regardless of liability. If you roll your car, skid off the road in icy conditions, or someone collides with you on a highway intersection, collision coverage has your vehicle covered.
- Collision with another vehicle
- Collision with an object, such as a power-pole, fence or tree
- Repairs damage from a rollover
- Repairs up to the fair market value of your car
- Towing costs
- Storage costs
- Provide a payout if your vehicle is too damaged to be repaired
We have other options that ensure extra protection while on the road. Our knowledgeable brokers would love to talk to you about these little extras and explain when these might be needed:
- Accident forgiveness
- Rental car reimbursement
- New car replacement/waiver of depreciation
- Family protection
- Ride sharing for Uber, Skip the Dishes
- Auto Glass Insurance
When it comes to those annoying rock chips, opting for a provider tends to be a cheaper option. We are happy to recommend providers and discuss your glass coverage options with you.
When working on plans and rates with your broker there are several factors that impact your rates.
- Vehicle type, size, year, make and model
- Use of vehicle (personal, business, commercial, farm, etc)
- Where you live
- Number of years licensed
- Number of at-fault claims in the last six years
- Number of driving convictions, both criminal and traffic
- Bundling insurance policies
- Deductible amount
- Additional drivers in the household
- Number of years insured
- Additional coverage such as loss of use, accident forgiveness, conviction waivers, rental vehicles and more
Vickie Lapshinoff
from Red Deer, Alberta left us a 5-star review on Google!
Great Broker for Insurance company great service.