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How car insurance in Kingston, Ontario works
Matt Hands, VP, Insurance and MoneySense
Kingston sits halfway between Montreal and Toronto along highway 401. The former capital of Canada is home to over 120,000 people and known for its strong military foundations, prisons, and higher education institutions like Queen’s University and the Royal military college of Canada.
It’s also home to the Ratehub.ca satellite office.
Kingston has the cheapest car insurance premiums in Ontario and roughly 25% less than the provincial average. But a high number of students or newly licensed drivers on the roads means you have to be safe at all times to make sure your premiums aren’t affected.
Car insurance in Kingston, and across Ontario is a requirement for all drivers. To operate a vehicle in Kingston, you must have insurance. To get the best car insurance in Kingston, it's vital to understand how it works.
Kingston operates in a no-fault insurance system. No-fault means drivers use their own insurance company regardless of who is at-fault in an accident. In other words, you only ever deal with your own insurance company for a claim or following an accident.
Ontario auto insurance is provided by private insurance carriers and is regulated by the Financial Services Regulatory Authority of Ontario (FSRAO). FSRAO ensures rate increases are substantiated. Simply put, an insurer can't raise rates without prior approval from the regulatory body and is based on their financial records.
Available Kingston car insurance coverage is broken down into two categories - mandatory and optional.
Mandatory Kingston auto insurance coverage includes:
- Third-party liability
- Accident benefits
- Uninsured automobile insurance
- Direct Compensation Property Damage (DCPD)
Optional Kingston car insurance coverage includes:
- Collision insurance
- Comprehensive car insurance
- Specified perils
- All perils
Also available in any city in Ontario are Optional Policy Change Forms (OPCF) which are coverage enhancements. Here are 4 common Ontario endorsements.
- OPCF 20 - covers the cost of a rental vehicle while yours is being repaired or replaced
- OPCF 27 - Ports your existing insurance to a rental car or car you borrow
- OPCF 39 - Your insurer forgives your first accident claim so it doesn't impact your insurance rate
- OPCF 43 - Removes depreciation in calculating the value of your car when settling a claim
Mandatory coverage for auto insurance in Kingston
Mandatory insurance is mostly about protecting you from damage you may cause to others and their property. Protecting you personal car is available with optional coverages.
Third-party liability
Accident benefits
Uninsured motorist
Direct compensation property damage
Optional coverage for auto insurance in Kingston
The below coverages are optional, unless you lease your car and your lessor requires them. Typically, new cars will get the optional coverages.
Collision insurance
Comprehensive
Emergency roadside assistance
Specified perils
All perils
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In less than 5 minutes, you can compare multiple insurance quotes from Kingston's top personal auto insurers. See how much you can save on your next policy today.
Car insurance companies in Kingston
|
Company |
Address |
Phone |
|
Co-operators |
1699 Bath Rd., Kingston, ON K7M 4X1 |
1-844-620-2838 |
|
768 Gardiners Rd., Kingston, ON K7M 3X9 |
613-546-2596 |
|
|
Allstate |
656 Gardiners Rd. Unit 21, Kingston, ON K7M 3X9 |
613-777-4972 |
Looking for direct car insurance companies in Kingston? Direct insurers may be experts on car insurance policies, but they don’t always give you the best market price possible. By providing us with a few details, we can compare car insurance rates from various car insurance companies in Kingston, so you can select the cheapest available option. We’ll also connect you with a licensed insurance broker to guide you through the process of obtaining the coverage you need.
Factors that impact your Kingston car insurance rates
It pays to shop around to find cheap car insurance in Kingston. Even though an insurance application is fairly standard you will find that different insurance companies offer different rates based on their existing users, the number of active claims on their fiscal books, and overall risk tolerance calculations. Furthermore, there are several factors beyond your control that impact a risk tolerance calculation, like if you live in an area with higher than average levels of insurance fraud. Here are seven factors auto insurance companies consider before offering personal car insurance in Kingston:
Driver demographics
Where you live
Vehicle type
Driving history
Driving activity
Type of insurance coverage
Applicable discounts
How to get cheap car insurance in Kingston
Shop and compare
Research which company provides cheap car insurance in Kingston, and also the best value for you and your vehicle. Rates may change up to four times a year, but lucky for you comparing Kingston car insurance quotes with us is free.
Stay with your current insurer
Some Kingston car insurance companies will give loyalty discounts to drivers who remain active with them for years. Especially if they add family members or multiple vehicles to their policy.
Bundle your policies
If you use the same insurance company for both your home and auto insurance needs, your insurer will often thank you with a dip in premiums.
Get a multi car discount
If you have multiple drivers and vehicles in the same household, by putting them all on one policy can save you money.
Increase your deductible
Your deductible is the portion you pay when settling a claim before your insurer will pay the rest. If you’re willing to double your deductible, it could save you money.
Ask about discounts
If you’re a member of a large corporation, union, or a school alumnus, it could help you get cheaper Kingston car insurance.
Pay premiums annually, instead of monthly
Paying monthly adds administrative costs to your insurer, so if you’re able to pay in full annually you can lower your premiums.
Maintain a good driving record
If you’re a safe driver, obey the rules of the road and drive according to road conditions you can reduce your chances of an accident. Car crashes stay on your insurance record for up to ten years and can result in higher premiums.
Install winter tires
You can save up to 3-5% simply by adding winter tires to your car.
Ready to get a free Kingston car insurance quote today?
By comparing quotes from Canada's top insurance companies to find your best rate can potentially save you hundreds of dollars annually.
Frequently asked questions about car insurance in Kingston
How much is car insurance in Kingston?
How do I get the best car insurance in Kingston, Ontario?
Which car insurance broker in Kingston is the best?
What are the best insurance companies in Kingston?
Matt Hands, Business Director of Insurance
With 6+ years of experience at Ratehub.ca, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read full bio
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