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Car Insurance in
Kingston

Making Insurance Friendly and Easier

Best Auto Insurance rates in Kingston

Are you looking for cheap car insurance in Kingston, Ontario? 

You landed in the right place! 

At isure, we’re committed to helping you find the best auto insurance for your needs. Our expert team will help you get the coverage you need at a price that won’t break the bank. We work with a lot of major auto insurance carriers and pride ourselves on finding the perfect policy for all of our clients.  

As an independent agency, we can offer the best possible rates for all types of drivers. Whether you have a bad driving record or are new to Canada, we’ll be able to help you find an affordable policy that covers everything from comprehensive liability to collision coverage. 

Auto insurance can be confusing. But no worries—we’ve got your back. We’re here to help you find the best auto insurance rate in Kingston, Ontario, and we know it can be tough to know where to start. 

Here are a few things our customers told us they liked about working with us: 

– They were able to get an auto quote in just two minutes! 

– They were able to get the best coverage at the lowest price possible! 

– Their agent was super friendly and helpful!

– Their agent helped them find discounts they didn’t even know they qualified for! 

Why Trust isure as your Kingston Insurance Broker?

If you live in Kingston and are looking for affordable car insurance, there are a number of reasons why you need to contact an isure insurance broker. Here are some of the many advantages you will see when you work with us:

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Our licenced insurance professionals always provide valuable information

If you have little or no experience, navigating insurance can be extremely difficult. Hiring a licensed, knowledgeable and experienced insurance broker can provide you with all of the important guidance you need to make the right insurance decisions.

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Allows you to save more money

If you want to lower your insurance rate and save money, Insurance brokers are the top solution. Our Kingston insurance brokers have access to several insurance providers, premiums, coverage types and they will help you find the most affordable quotes for you based on the information you provide.

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Quotes that are easy to follow

If you try to find the best auto insurance quote by yourself, you will need to contact several insurers, which will take a lot of time out of your already busy schedule. When you hire an isure Kingston insurance broker, they handle all of these details, including obtaining and comparing quotes from different insurers for you!

THE ISURE INSURANCE ADVANTAGE

If you try to find the best auto insurance quote by yourself, you will need to contact several insurers, which will take a lot of time out of your already busy schedule. When you hire an isure Kingston insurance broker, they handle all of these details, including obtaining and comparing quotes from different insurers for you!

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We Work, You Save

You can save hundreds of dollars on insurance when you work with our Kingston insurance brokers. You can discuss your insurance needs with us and we’ll find the perfect coverage options and rates.

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Gain Unbiased Advice

We guarantee honest, unbiased advice about the insurance quotes we obtain for you and all details that accompany it. We will always search and locate the coverage that is best suited to your needs.

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Your Needs are our Top Priority

We are real insurance brokers helping real, amazing Kingston citizens. Each of our clients are assigned to a dedicated insurance broker that advocates for their needs when dealing with insurance providers. We handle all claims, quotes, inquiries, updates and more.

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We Fully Understand the Market

isure has been the top insurance choice for Ontarions since 2006. We are also one of Canada’s most progressive, reputable insurance brokers with real people that live for insurance! We’re committed to helping Kingston citizens access the best insurance coverage available.

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We Have Coverage For All Your Insurance Needs

Our insurance brokers get Kingston residents quotes for home, commercial, auto, life, travel, and more.

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We are Fully Licensed

We are registered under the Registered Insurance Brokers of Ontario (RIBO) to ensure your safety and that you are in good hands.

Why Choose isure As Your Kingston Auto Insurance Broker?

We understand that there are a lot of options when it comes to auto insurance in Kingston. Sometimes getting a quote from a company can feel like an obligation, rather than what it’s supposed to be: information to help you make an informed decision. This is one of the greatest reasons to use an insurance broker, as they have a suite of trusted insurers they work with to find you the best rate for your auto insurance. Their advice is independent of the companies they represent, and are professionally regulated by the Registered Insurance Brokers of Ontario (RIBO).

When selecting your broker, isure stands out for a reason. Have a look at the chart below to see what makes isure a broker of choice. We stand by our isure pledge to ensure you receive the care you deserve, because we know you’re not just another number in the system. We work with a large suite of approved insurance providers to give you the best opportunity at finding your lowest quote with a brand you can trust.

When you choose isure, you are choosing the broker that puts you first. See why more people place their trust in isure every day and talk with one of our dedicated insurance professionals today.

FAQs About Kingston Auto Insurance

What is auto insurance?

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. 

What are the factors that affect auto insurance in Kingston?

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.

Is it possible to lower the cost of your car insurance in Kingston?

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.

Why do I need auto insurance?

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.  

What is third-party liability insurance?

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. 

How much auto insurance should I get?

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. 

What are some tips to keep my insurance costs down?

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). 
How much should I expect to pay for auto insurance?

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.

How do I find the best auto insurance in Kingston, Ontario?

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! 

Kingston Collision Reporting and Claims Process

Accidents happen all across Ontario, and Kingston is no exception. When accidents do happen, there is a specific protocol that must be followed in order to make claiming insurance smoother, as well as easing your own personal stress. 

1. Make sure everyone is safe

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. 

 

2. Document important information

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. 

3. If need be, involve the police

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.

4. Go to collision center

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. 

What does insurance cover? 

Insurance coverage will depend on what your specific policy covers. Many policies cover physical repairs or replacements, offer rental funds, and can even reimburse for the tow truck and taxi expenses. Speak with your isure insurance broker to get details with regards to your specific insurance policy. On a final note, do not authorize any repairs until you have reported to your insurance adjuster. 

Save when you bundle your home and auto insurance

Lower your insurance rate and save money

How To Get An Auto Insurance Quote In Kingston?

Working with a suite of quality insurers, isure will do the work of gathering quotes from each company to find the lowest cost for the plan that suits your needs. We work by the isure pledge to ensure that you are always taken care of, and that we work with your best interests in mind. Our dedicated insurance consultants in Kingston will find you the best choice, and will only recommend moving you to another insurer if it works for you.

Finding the right insurance doesn’t have to be difficult. See how the isure difference can help you keep your driving peace of mind.

How Much Should I Expect to Pay For Auto Insurance in Kingston?

There are many factors that go into the price of auto insurance in Kingston. Your quote can fluctuate depending on if you require high risk insurance, or you can have a lower quote if you practice safe driving or if you bundle your policy, for example. Go-telematics is also an option for great drivers as it tracks how you drive (speed, braking, cornering, etc.) to determine your rate.

Not sure where and how to start?

isure experts are here to HELP you.

Get a cheap Kingston Auto Insurance Quote Online













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