Auto insurance provides protection from financial loss if you are involved in an accident or your vehicle is stolen. It can also provide medical coverage for you and your passengers, as well as any liability coverage for damage to other cars or property. 

Type of Vehicle: The year, make and model of your vehicle will be used by auto insurance companies when they calculate the premium.

How You Use The Vehicle: The way you drive your vehicle, how often and your driving habits can all play a role in your insurance rate.

Your Postal Code: The more populated, urban areas in Kingston often have a higher claim rate than rural parts. Urban residents can likely expect to pay a higher premium based on their postal code.

Your Age: Drivers with more experience on the road often pay much lower auto insurance premiums than newer and younger drivers.

Your Vehicle: Aside from the make, model, and year of your vehicle, frequency of theft and safety rating. Certain types of vehicles tend to be a higher risk, as they are shown to be involved in more accidents than others.

Your Age And Sex: It generally follows that older people have had more years of opportunity to learn proper driving habits. Men under 25 are also statistically more prone to crashes than women of the same age, and generally receive higher premiums, but generally evens out after turning 25 years old.

Distance Travelled: The more you’re on the road, the more likely you are to get in an accident. Those who drive more will pay more than those who commute less often.

Your Driving History: If you have had a lot of traffic tickets or major accidents in your time, auto insurance will be much more expensive for you when compared to others with a clean driving record.

Purchase and Install Anti-theft Devices: If you have anything that prevents theft or vandalism to your vehicle, it can lower your insurance premium.

Purchase and Use Winter Tires: The winters in Kingston can be unbearing, especially when you need to drive to work in the snow every day! Not only is it important for your safety to have winter tires installed during the snowy months, but you are often eligible for discounts on insurance premiums when your car has winter tires.

In Ontario, every motorist must have at least $200,000 in liability coverage per person and $400,000 per accident. It’s important to note that this amount may not be enough to cover all your damages or injuries if you’re involved in an accident. For example, if someone causes an accident while underinsured—and they hit your car—the damages they cause will exceed their coverage limits. This means that even if you have $200K/$400K worth of coverage on your policy, it won’t be enough to cover all of your losses because the other person involved in the collision won’t be able to use their insurance to pay for the rest of the damage.  

Third-party liability insurance covers damages to another person’s property and injuries caused by your vehicle. This includes the cost of repairs, medical bills, and lost wages. You must have at least $200,000 in third-party liability coverage to drive legally in Ontario. 

Ontario’s minimum amount of coverage is $200,000 for third-party liability and $1 million for collision damage. However, if you own a newer car or are driving for business purposes, it’s recommended that you increase your coverage amounts beyond this minimum requirement to protect yourself from financial hardship if you’re involved in an accident. 

There are many ways you can save money on auto insurance by following these simple tips: 

• Don’t let anyone else drive your car except for family members (spouse/child/parent) and friends who have a valid driver’s license. 

• Ensure all of your vehicles are registered with the DMV and insured by an Ontario insurer. 

• Make sure all drivers listed on the policy have passed a driver’s test and have had an accident-free driving record during the past three years (the last five years if they’re younger than 25). 

Auto insurance costs depend on your age, gender, occupation and type of vehicle you drive. You can compare quotes from different companies using our quote tool above.

It’s not always easy to find the right auto insurance provider, especially if you’re looking for one that’s affordable and has great coverage. We’ve put together a list of questions to help you find the right company for your needs. Call us today at 1-877-514-7873 to get started! 

Making sure everyone is safe is the number one priority following an accident. This can efficiently be done by observing your own body and simply asking others involved if they are experiencing pain or need any medical attention. If there is any question about the medical safety of anyone involved, don’t hesitate. Call 911 immediately. 

In 2021, nearly everyone has a mobile device. This makes it much easier to document events that take place in front of us. By using your phone to document damages, driver’s license information, insurance, and accident conditions, you can keep a record very easily for future use. 

• Damage 

Documenting damages is your personal insurance against alternative claims. Take photos of your own vehicle as well as any other vehicles involved. Photos on-scene show physical damage to the vehicles, as well as license plates that were on each vehicle. This helps to prevent false claims from the other parties involved should they wish to include “additional damage” that wasn’t there during the accident. 

• License 

Take note of the other driver’s license, ensuring that you obtain their name, their license number, and their address. You should offer your own personal information, as well. Providing your best contact information can ease communication between both parties when settling claims. 

• Insurance 

You and any other drivers involved should exchange insurance information in case for any reason you are unable to reach them with the provided contact information. You can easily obtain this information by taking a picture of their insurance slip. 

• Conditions 

Be sure to note the date and time of the accident, as well as weather, such as snow or rainfall. As soon as you can, note the conditions under which the accident happened, and create a record of how the accident occurred. 

Involving the authorities in an accident is detrimental (and the law) if damages exceed $2,000 combined. Additionally, the report must be filed within 24 hours of the accident. Typically, if there is notable damage to either vehicle, it is time to involve the authorities.

If the damage appears to exceed $2,000, report it to the police at a collision center. The collision center is where an Ontario representative will officially document the accident. The Collision centre will make an official note of the damage to your car and following that, involve insurance to complete the process. 

705 DIVISION ST., KINGSTON, K7K 4C2 

Tel: (613) 540-6653 

Fax: (613) 540-6652 

Hours: COVID-19 HOURS: Monday to Friday: 10:00 AM to 6:00 PM 

Note: Do not drive your car here after a crash. Even if you think there is no notable damage internally, wheel alignment and fluid leaks could be dangerous to both you, as well as other drivers on the road. Instead, call for a tow and have a friend or Uber come and take you to the collision center.