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Find lower Red Deer auto insurance rates

With costs rising in the province, some Red Deer residents are seeing “red” when they see their car insurance premiums. But this doesn’t have to be you.

Whether you live in Red Deer or any other city in Alberta, we can help you get cheaper car insurance rates. It’s what we do best!

At ThinkInsure, we know saving money is important to you. No driver wants to pay more for their policy than they have to. With costs on the rise, drivers in Red Deer need to compare auto insurance rates regularly. And we work with the top insurance companies to make it happen quickly and easily.

We’ll help you quickly get a quote when your insurance comes up for renewal. Some of our customers in Red Deer have saved up to $500 or more. Contact us to see how much you can save.

How to compare Red Deer car insurance quotes

Just complete the quick and easy steps to compare quotes and start saving.

1) Start your quote

Enter your postal code and some basic information.

2) Enter your driving info

Provide your driving and vehicle details.

3) Compare rates

Review premiums from the leading companies.

Choose your policy

Choose the lowest rate. Confirm the details with our experts and buy your insurance.

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5 star car insurance in Red Deer

Rated 4.7 out of 5 stars in 1463 Google reviews

See what our car insurance customers are saying about us.

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Kevin St Clair

2024-11-28

Betsy was a genuine pleasure to deal with considering the circumstances. Thanks again for all your help

Anthony Gomez

2024-11-27

Today, I want to take a moment to recognize Monica Chan, an exceptional insurance broker who has consistently gone above and beyond in her service to me. Monica's dedication to punctuality and consideration has been truly remarkable. She has always been prompt in responding to my inquiries and has never hesitated to offer her expertise and guidance. With Monica as my broker, I have never once felt worried about anything going wrong. Her proactive approach and attention to detail have provided me with peace of mind, knowing that my insurance needs are well-taken care of. Throughout our interactions, Monica has been incredibly helpful, patiently explaining complex insurance concepts and ensuring that I fully understand my coverage options. I wholeheartedly recommend Monica Chan to anyone seeking an insurance broker who genuinely cares about their clients' best interests. Her commitment to excellence and her willingness to go the extra mile make her an invaluable asset in the insurance industry.

Phyllis Baker

2024-11-20

Absolutely amazing service the broker Todd worked on my quote fast I recommend this company to anyone very professional I’m so glad I called them .. Thank you for your great work

Charles Cameron

2024-11-15

Betsy Bannon has been nothing short of amazing at helping us through the complex process of acquiring business insurance. She quickly understood our needs and expertly guided us to the right solution. From start to finish, she made us feel like her most important client which gave us the confidence that we were in great hands. We highly recommend Betsy!

Jermaine M

2024-11-05

I had a great experience with Patrick Vuong. He went above and beyond to help me update last minute changes to my policy in order to qualify for a government grant. Staying back late and coming in early the next day to help finishes the changes. Very kind and professional!

Mark Gaffney

2024-11-05

Betsy Bannon is a professional extremely friendly and knowledgeable and made my experience wonderful! Highly recommend her for any insurance needs. Mark Gaffney

fabian ward

2024-11-04

Great service! Prompt and very helpful! Thanks to Todd allan for really helping me out!

Stephen Mcfadden

2024-11-01

Great experience working with Sohel Rahman, appreciate his honest and can-do attitude. Highly recommend!

How car insurance works in Red Deer

A couple stop to drink warm up tea and taking selfie in car suv trunk

Car insurance in Red Deer is required by law. All drivers must abide by the Alberta car insurance rules and regulations. The grid rating system is used to set premiums and the industry is overseen by the Auto Insurance Rate Board (AIRB).

It’s important to know that if you are in an accident, the province uses a hybrid no-fault and tort system. You submit claims to your insurance company regardless of fault. Depending on the situation, you also have the right to sue other drivers for damages.

Mandatory and optional car insurance in Lethbridge

Mandatory coverage is $200,000 in Personal Liability and Property Damage (PLPD) and accident benefits.

Optional coverage can include many forms of protection. The most common are additional PLPD, accident benefits, collision, comprehensive, and specified perils. Standard Endorsement Forms (SEF) also allow you to customize your plan. Options vary based on your insurance company.

How much does auto insurance in Red Deer cost?

Car insurance costs in Red Deer are slightly lower than the provincial average. Drivers in the area can expect to pay about $1,150 per year. This is just under $100 per month. Costs can fluctuate based on your neighbourhood, vehicle, driving history, and other factors. Too many accidents, tickets, or claims on your record will increase your average rates.

Why should you get Red Deer car insurance quotes often?

Comparing quotes in Red Deer is the best step you can take to lower your car insurance.

Assessing your options is particularly important if you recently got a ticket, changed vehicles, or altered your policy. These factors all impact how much you pay.

Things change: A lot of things can change that have an impact on your costs. Getting an estimate allows you to see how changes impact your premiums.
Rates fluctuate: Insurance costs fluctuate. You could be losing out on cost savings if prices dropped.
Know your options: You won’t know what insurers are offering unless you compare.

Tips to pay less for Red Deer auto insurance

Car driving on Highway road in the mountains

Saving money on auto insurance in Red Deer is important. Here is how you can find ways to pay less:

Drive safe: Keeping a clean driving record, avoiding distracted driving, and traffic tickets will help keep your costs down.
Choose coverage wisely: Increasing your car insurance deductible and choosing the right policy will help ensure you are not over-insured.
Choose the right vehicle: You can’t expect to have affordable auto insurance if you drive an expensive car or a car that is more likely to get in an accident. Before buying your next vehicle, look at the list of insurance-friendly vehicles. The car you drive will impact your rates.
Take advantage of discounts: Insurers offer a variety of discounts – bundling home and auto insurance, multiple vehicles, winter tires, and installing anti-theft devices will lower costs.
Shop around: Comparing car insurance quotes frequently is one of the most effective ways to pay less.

Latest Red Deer car insurance quotes

2024/12/18

Shopper in RED DEER, AB
Vehicle: JEEP PATRIOT NORTH 4DR 4WD 2017
Pembridge	$967
Intact	$2,177
Savings from top 4 cheapest quotes	$1,210

Shopper in RED DEER, AB
Vehicle: KIA SEDONA LX 2012
Pembridge	$2,135
Intact	$3,914
Travelers	$5,044
Savings from top 4 cheapest quotes	$2,909

Red Deer car insurance and driving tips

Red Deer is the third-largest city in the province. It is centrally located between Calgary and Edmonton, making traffic challenging at times. The city has just over 105,000 residents who live in one of its more than 80 neighbourhoods.

The city is in Aspen Parkland, a rolling hill region that is known for oil, grain, cattle, and petrochemical production. The city got its name from the nearby Red Deer River. This challenging terrain makes driving safely something you need to prioritize. Here are some tips:

Drive safe at intersections: In Red Deer, 66% of all traffic accidents occur at intersections. This accounts for 81% of collisions involving injuries. Be particularly cautious at the Gaetz Avenue and 32 Street intersections. It is one of the busiest in the city.
Use the traffic impact map to plan your route: Traffic can be an issue in the city. Use the Traffic Impact Map on the city website to see construction and traffic disruptions.
Where you live impacts insurance: The neighbourhood you live in impacts your payments. In some instances, your fees could be more than $300 higher based on where you live in the city.
Major driving routes: Use Gaetz Avenue to get from one end of the city to the other. The road eventually turns into Queen Elizabeth II Highway and will take you toward Calgary. Also, Highway 2 and Highway 11 run directly through the city.
Get protection for weather events: Most drivers get comprehensive coverage to protect them from wind, hail, and other weather-related damage.
Watch out for red light and speed cameras: Automatic traffic enforcement is used in Red Deer. Red light cameras and speed cameras are placed at intersections throughout the city. This is done to encourage safe driving.
Number of traffic collisions is declining: According to the Red Deer Annual Motor Vehicle Collision Report, The number of collisions has dropped from 2,667 in 2014 to 2,208 in 2016. During this time the number of fatal collisions, injury collisions, and pedestrian collisions has declined.
Use winter tires: The city gets its fair share of snowstorms. Frigid temperatures are common. Use winter tires to drive safely in snowy conditions. It’s also a good idea to keep an emergency kit in your vehicle.

Red Deer car insurance FAQs

What is the top way to get cheap car insurance in Red Deer?

The most effective way to get the cheapest car insurance in Red Deer is to get quotes from an insurance expert. When you partner with a brokerage, you will be able to your options with multiple insurers quickly. This will help you find the lowest rates and save money on your premiums.

When should I get a Red Deer car insurance quote?

You can get quotes for car insurance in Red Deer anytime. Most drivers only compare when their policy is coming up for renewal. Getting a quote during this time helps you make a better decision about whether your current provider is the best or whether it’s time to switch providers.

How do I get the best Red Deer car insurance coverage?

Getting the best auto insurance in Red Deer is subjective. It’s important to understand your coverage needs and driving requirements. For example, a basic policy may be ideal for one driver whereas comprehensive coverage is better for another. It’s important to assess your coverage needs to choose the best policy.

Saving on Red Deer auto insurance is easy

It's easy comparing rates from the top insurance companies and only takes a couple of minutes. We want to help people in Red Deer save on auto insurance premiums. Compare quotes online or give us a call toll-free.

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