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Car Insurance in Red Deer

If you live in Red Deer, you may be stuck in traffic on Highway 2 or navigating through vehicles on Gaetz and 32 street. Wherever you are, you don’t need the extra worry of car insurance.

But if you do have a sky-high premium, or it’s above what you can afford, speak to one of our brokers for advice.

Why should I choose Sharp Insurance for my Red Deer car insurance?

We’re a cutting-edge insurance brokerage based in Red Deer. But don’t take our word for it. Learn more about how we can help you below.

We’re independent.

We’re an independent brokerage that has several partnerships with insurance companies. Why does this matter to you? Our ties to the insurers allows you to get more variety and options for your car insurance.

We’re competitive.

We work hard to get you the best insurance rates possible for your particular situation. We work on your behalf.

We’re experts.

Our brokers are happy to answer all your questions, help with the claim process, and make sure you’ve got the right coverage. Most importantly, we talk to you with compassion and understanding.

We’re digital.

We make insurance easy for you, even if you’re clueless about insurance. Our online portal and MySharp app allows you to manage your insurance policy and details when and where it’s convenient for you.

We care and want to help you:

Is car insurance mandatory in Red Deer?

If you’re a driver in Red Deer, you’re required to carry basic car insurance, which includes third-party liability and accident benefits. We highly recommend you have $2 million to $3 million in coverage in case you’re in an accident. Most car owners can’t afford to pay for medical expenses and car repairs if they’re in an accident.

Did you know?

The make, model and year of your car has a direct impact on your insurance rates. If you have multiple claims attached to your car, your premium will likely rise.

Start your engine, feel protected.

We help you discover the right insurance for your specific car insurance needs.

What are some optional coverages for auto insurance in Red Deer?

There are some alternative car coverages, including:

Collision

Helps cover the cost of repairing or replacing your vehicle if you’re at-fault in an accident.

Comprehensive

Helps cover the costs of repairing or replacing your car if it gets stolen or damaged by something like hail or fire.

Emergency Service Expense

Helps cover the cost of towing services after an accident or claim.

Emergency Roadside Assistance

Some insurance companies offer roadside assistance as part of a car insurance policy.

Family Protection

If you or your family are hurt in a car accident and the person at -fault is under-insured or uninsured, you’ll have some protection.

Glass

Helps cover the cost of repairing or replacing your car’s glass, like a windshield.

Loss of Use

If you make a claim on your car insurance, you can get money for public transit, taxis, or a rental car while it’s being repaired or your claim is settled.

Rental Vehicles

This plan coverage extends your car insurance coverage to rental cars in the U.S. and Canada.

Ride-Sharing

If you drive for a ride-sharing company, you need this type of endorsement to ensure you’re covered on and off the road.

Every insurance company offers different optional protection to Red Deer drivers. Talk to a Red Deer auto insurance broker today to determine what coverage you need and how you can make it work with your budget.

Did you know?

On average, women and men pay similar car insurance rates in Red Deer. For males, you’ll pay $1,101, on average, and females will shell out closer to $1,142.

How much does car insurance cost in Red Deer?

The cost of driving a car in Red Deer is, on average, $1,128 annually, above the provincial average of $1,235. That comes out to about $94 to $104 a month – lower than Calgary and Edmonton’s rates.

Car Insurance Prices:

$1324 – Ford F150 XLT Supercrew 4WD

$1269 – Nissan Rogue S 4DR AWD

$1118.50 – Dodge Grand Caravan SE

$1656 Ram 1500 Sport Crew Cab 4WD

$1269 – Ford Escape SE 4DR 4WD

What affects the cost of auto insurance in Red Deer?

There are many factors that affect the cost of car insurance in Red Deer, including:

  • The make, model and year of your car
  • The MRSP or purchase price of your vehicle
  • Your driving record
  • Your insurance and claims history
  • Where you live
  • How you use your car
  • How often and how far you drive
  • Who else drives your car
  • Your demographics
  • Your insurance coverage and options

Did you know?

Every insurance company calculates car insurance rates differently. That’s why it’s important to get different car insurance quotes.

How do traffic tickets impact Red Deer car insurance?

Tickets, or traffic violations, are divided into two categories: minor and major. Both categories can impact your auto insurance rates in Red Deer. In some cases, you may also be denied optional coverage and have limited payment options.

A minor traffic violation can spike your Red Deer car insurance rates by 25 percent. Many insurance companies forgive the first infraction, but often tickets will stay on your record for three years and hike your insurance rates.

Minor Traffic Tickets

  • Speeding 1 – 49km/h over the speed limit
  • Following too close
  • Improper turn
  • Improper passing
  • Failure to share the roadway

A serious traffic violation can significantly increase your premium rates. Violations can also result in denied optional coverage and fewer payment choices. These include:

Major Traffic Tickets

  • Speeding 50km/h plus over the speed limit
  • Driving carelessly
  • Stunt driving
  • Racing
  • Driving under the influence of drugs or alcohol

How to Get the Cheapest Car Insurance in Red Deer

Albertans are eager to find bargain car insurance rates. Red Deer residents are no different. While it may be cheaper to live in a smaller city, residents in many cities are on the look-out for a cheap premium. We have some tips to get you there.

  • Shop around for a better rate (or let our brokers do the work for you)
  • Stay insured – gaps mean higher rates
  • Pay your bills on time
  • Maintain a good credit score
  • Have a good credit score
  •  Watch out for insurance fraud, scams
  • Follow the rules of the road
  • Drive safely
  • Leave your car at home and take transit or your bike to work
  • Don’t make a claim unless you can’t afford to pay for damages
  • Pass a driver training course
  • Install approved security devices
  • Try usage-based insurance
  • Pick a higher deductible amount
  • Review your insurance at least once a year with a broker

Did you know?

On average, station wagons are the cheapest vehicle type to insure in Red Deer.

How to Get a Red Deer Car Insurance Quote

There are a few ways to get a car insurance quote in Red Deer:

Often, the quickest and easiest way to get a car insurance quote is online. Remember, the more information you give, the more accurate your quote will be.

What do you need to get an auto insurance quote in Red Deer?

Before you contact your insurer to get an auto insurance quote in Red Deer, it helps to have your personal information at your fingertips. A handy list below will help you get a quote faster.

  • Name
  • Contact information
  • Address
  • Make, model and year of your vehicle (or VIN)
  • Purchase price of the car
  • Registration
  • Driver’s license number
  • Birthdate
  • Current insurance company, policy number and coverages

If your car is financed, you’ll also need to provide information about the loan and lender. You’ll need the above information for each car and
insured driver.

You’ll also likely be asked the following questions when getting a Red Deer auto insurance quote:

  • Do you commute with your car? If so, how far?
  • Do you use your car for work (other than commuting)?
  • Are you a ride-sharing driver?
  • Was your vehicle bought new or used?
  • Is your car financed?
  • Does your vehicle have any existing damage?
  • Have you been in any accidents in the last 6 years?
  • Have you have had any claims?
  • Have you gotten any tickets in the last 3 years?

Finally, you’ll need to make some decisions about your insurance coverage, including:

  • What protection you want or need.
  • Your policy limits: the maximum amount of money if you make a claim.
  • Your deductible; the amount you pay out of pocket if you have a claim.

Did you know?

The longer you’ve been a licensed driver the lower your car insurance rates. But there are many factors that can impact your rate.

Why do I need to provide so much information for a car insurance quote in Red Deer?

The more information you provide for your car insurance quote, the more accurate your quote will be. Insurance companies price based on risk – or how likely you’ll have a claim or accident, based partly on your insurance history.

Did you know?

A minor or major ticket infraction can have an impact on your car insurance rate in Red Deer. Some insurers will give you a break on your first-offence. If you do get a ticket, call your insurer or broker for guidance. We’re here to help you!

How do car insurance claims work in Red Deer?

If you’re involved in an accident or your car was broken into, you’ll need to do the following to submit a claim:

  1. Make sure everyone is okay. Call 911 if there are any injuries, damage, or you’re blocking a roadway.
  2. Make sure you’re somewhere safe (the shoulder of the road or a parking lot).
  3. Get the following information about all other drivers and vehicles involved:
    1. License plate
    2. Make, model, and year of the vehicle (the VIN works, too)
    3. Insurance information like insurance company and policy number.
    4. Driver’s license number
    5. Name
    6. Phone number
  4. If there are witnesses, get their contact information.
  5. Document the damage, if possible.
    Take pictures and video.
    You should also write down:

    1. What happened/how the damage occurred
    2. Time of day
    3. Date
    4. Weather conditions
    5. Anything else related to the damage.
  6. Get a copy of the police report.
  7. Contact your insurance company or broker (phone number is on your pink card).

Your insurance company or broker will collect information and guide you through the steps. For example, if you have loss of use coverage, they’ll explain how arranging a rental car or getting repayment for public transit works if your car needs repairs or it totalled.

A claims adjuster will then investigate your case and manage your claim. The adjuster will contact you to discuss what happened and keep you updated. The adjuster also negotiates for a settlement, whether your car is being repaired or if it’s a write-off. We act on your behalf as a trusted advisor through the entire claims process.

A claim is closed when the repairs are completed or payment has been settled.

Frequently Asked Questions About Car Insurance in Red Deer

If you’re in an accident with an uninsured driver in Red Deer, you’ll be covered if you have Family Protection on your car insurance policy. You may also have coverage if you have collision and comprehensive protection on your vehicle.

Otherwise, you would go through Alberta’s Motor Vehicle Accident Claims Program.

Yes, fault matters in car accidents in Red Deer as fault determines which driver’s insurance company pays for injuries or damage. Fault isn’t always assigned 100% to one driver.

Your coverage will depend on your insurance company. Often, your contents are not covered under your car insurance policy. You’re required to have comprehensive coverage to protect yourself if your car is stolen. Call your insurer and the police if your car is stolen.

Everyone who owns a vehicle needs car insurance in Red Deer. As a driver, you’re legally required to carry third-party liability and accidents benefits coverage.

The insurance industry follows the all-comers rule in Alberta, meaning you can’t be denied the bare minimum level of car insurance. But an insurer can choose to deny you optional coverage, if you have a serious traffic conviction(s) or a history of non-payment.

The all-comers rule requires insurance companies operating in Alberta to insure any driver for the legally required minimum level of coverage.

Grid rating is how insurance companies determine car insurance rates for Red Deer drivers based on their driving record.

No, photo radar tickets don’t affect your car insurance rate in Red Deer.

Yes, speeding tickets affect your car insurance rates in Red Deer. Your insurance rates will go up if you get a speeding ticket (unless it’s a photo radar ticket). If it’s your first ticket, an insurance company may excuse the ticket for good behavior.

Your car insurance coverage depends on the insurance options you select when you set up your policy. Mandatory third-party liability and accidents benefits coverage will help cover damage and medical expenses of other drivers and passengers involved in an accident where you’re at-fault. Mandatory coverage can also cover legal expenses if you’re sued after an accident.

No, men and woman pay very similar insurance rates in Red Deer, as in all of Alberta. There are many elements that impact your premium, so rates differ from one person to the next.

Replacement cost is a loss settlement option where you receive the replacement cost of your vehicle, if it’s a write-off after a loss. The replacement cost is the price to buy the same or similar car.

Actual cash value is a loss settlement option where you’ll receive the market value or purchase price of your car, minus the depreciation, if it’s a write-off after an accident. It’s the price you’d get if you had sold your auto as-is right before the claim.

Yes, your Red Deer car insurance should cover you in the U.S. Inform your insurance company that you’re driving south of the border. Some insurers require you to tell them you’re in the U.S. or may have a limit on the number of days you can travel there and be covered.

Yes, your vehicle must be registered in Alberta to get car insurance in Red Deer.

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