Alberta Auto Insurance you can trust

Get your auto insurance needs covered with Ing & McKee

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Auto insurance made easy

Auto insurance is mandatory in Alberta to protect you and others on the road. Every driver is required by the law to have third party liability and accident benefit insurance. While there is mandatory auto insurance, there are also other coverage options that you should consider, such as comprehensive and collision 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.

Brokers that listen to your needs

Our knowledgeable brokers get to know you so you get affordable auto insurance that meets your needs. If there comes a time where you need to talk to or negotiate with your insurance company, we’ve got your back on that too.

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 those colossal moose that surprise us on our roads. 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 insurance to suit your needs and lifestyle.

Easy, online insurance 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. For auto insurance made easy, download the Ing & McKee app on Apple or Android.

Ways to save

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Call toll free: 1-888-346-5547

Combine Home and Auto

Bundle your home and Auto insurance

Two or more vehicles

Insure two or more vehicles for extra savings

Experienced drivers

Experienced drivers may be eligible for savings

Driver’s Education Course

New drivers completion of a driver's education course

No claims bonus

Get rewarded for having good driving history

Telematics

Use a telematics app and record your safe driving

Protect Your Vehicle

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Call toll free: 1-888-346-5547

Mandatory Insurance

When choosing your coverage have you heard the term PLPD and been unsure of what that means? PLPD is an acronym for Alberta’s mandatory auto insurance. It stands for personal liability and property damage, which can also be called third party liability and accident benefits.

Third party liability

Third party liability protects you in an at-fault claim. This coverage covers damage or injury to other people, vehicles, and their property, which ensures you don’t have to pay out of pocket for damage done to someone else.

Third party will cover:

  • 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

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.

Accident benefits

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.

Accident benefits will cover:

  • 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

Protect Your Vehicle

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Call toll free: 1-888-346-5547

Full Coverage

To protect your vehicle against weather or accident-related incidences, choose comprehensive and collision coverage.

Comprehensive Coverage

Comprehensive coverage protects your vehicle against things that are outside of your control, such as the weather, animals, fire, and theft. Although it is not mandatory insurance, it is recommended given the unpredictable weather in Alberta.

Comprehensive coverage will cover:

  • 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

When it comes to glass coverage and those annoying rock chips, we have a provider we recommend that specializes in separate glass coverage. Opting for a provider tends to be a cheaper option. We are happy to recommend providers and discuss your glass coverage options with you.

Collision coverage

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 coverage will cover:

  • 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

Extra Protection

We have other insurance 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

Quotes Tailored for You

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Call toll free: 1-888-346-5547

Factors Affecting Your Rate

There are several factors that determine your auto insurance rates. Some factors include:

  • 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/multiple vehicles
  • Deductible amount
  • Additional drivers in the household
  • Number of years insured
  • Additional coverage such as loss of use, accident forgiveness, conviction waivers, coverage for rental vehicles and more

Crystal Schewaga

from Red Deer, Alberta left us a 5-star review on Google!

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“We use Ing & McKee for my work insurance it is a constantly changing and time sensitive. Everyone there is so helpful and willing to help. It is so nice to have the confidence to know you are looked after when it comes to something as important as insurance.”

See what people are saying about us online...

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We are committed to getting you the best coverage to fit your needs.

If you are interested in discussing your insurance needs one of our brokers would be happy to answer your questions. Give us a call today at 1-888-346-5547.

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