Looking for car insurance in Kingston but don’t want to break the bank? At Complete Car, we can help you save money on Kingston car insurance by comparing quotes online, helping you save hundreds of dollars on car insurance over time. We will work with you to understand your unique needs and leverage our wide network Canadian insurers to find the cheapest car insurance policy in Kingston.
What are the mandatory requirements for auto insurance in Kingston?
Like every province in Canada, Ontario has specific mandatory requirements for car insurance. It is required for Ontario drivers to have third party liability coverage, accident benefits, direct compensation property damage, and uninsured automobile coverage.
It is mandatory for drivers to have a minimum of $200,000 in third party liability coverage. Third party liability coverage is essential to any car insurance policy as it is in place to protect drivers from the financial burden of being involved in an at-fault accident. This can cover costs such as damaging another driver’s vehicle or injuring another driver, passenger or pedestrian.
Accident benefits are also mandatory in Ontario and for good reason. A car accident can have associated costs beyond vehicle repair. Regardless of who is at fault, accident benefits will cover costs that exceed provincial health care for anything including medical treatment, funeral expenses, death benefits, to salary replacement in the event you, one of your passengers, or a pedestrian is injured or killed in a car accident.
As the name suggests, uninsured automobile coverage will protect you should you get into an accident with an uninsured driver. This will also protect you financially should you be involved in a hit and run.
Direct compensation property damage (DCPD) is in place to cover any damage to your vehicle when you are found not at fault in an accident.
While the above coverage is what is required by law, it’s common for drivers in Kingston to purchase additional coverage. For example, while it’s mandatory to have $200,000 of third party liability, this only provides a thin layer of protection, and many drivers choose to increase this amount to anything from 500,000, one million, or even two million. While this will add a small amount to your premium, it will be worth it should you ever need to file a claim. Beyond increasing coverage amounts, there are other coverage options to add to your auto insurance policy such as loss of use endorsement, waiver of depreciation, and more.
What factors impact Kingston car insurance?
There are several factors that contribute to the cost of Kingston car insurance such as your age, driving history, location, and more. Since insurance providers offer their policies at various rates, it is important to compare quotes online prior to purchasing a policy in order to ensure you’re getting the cheapest policy without sacrificing any of your needs.
Your driving history will have a direct impact on your premium. Car insurance providers will look at this prior to giving you your quote. If you have traffic convictions on your record, insurance companies will see you as high-risk and give you a high premium in return. Should you have a clean record, insurers will reward you with cheap insurance.
Your deductible is the amount of money you will need to pay out of pocket should you need to file an insurance claim (the insurance company will cover the rest). As a general rule of thumb, the lower your deductible, the higher your premium will be.
The more coverage you choose to add to your Kingston car insurance policy, the higher your premium will be. While adding optional coverage will increase your premium, it may end up saving you thousands of dollars should you be at fault in an accident or have your car stolen.
The amount you pay for your car insurance in Kingston will depend on how much you drive your car. For example, someone who spends hours in their car every week commuting will pay more for insurance than someone who uses public transit and only uses their vehicles for small errands or dropping their kids off at school.
The type of car you drive will also help determine the cost of your insurance. It will cost more to insure a car that is expensive to repair or replace such as a fancy Audi or BMW or a car that is known to have a high theft rate.
The cost of Kingston car insurance will vary right down to your postal code. When calculating your premium, insurance providers will look at anything from conviction rates, to theft rates, to busy intersections in the area.
Regardless of your situation, there are several ways to take advantage of discounts on car insurance. Whether you increase your deductible, install winter tires or an anti theft device, enroll in a driver’s education course, or otherwise, car insurance providers offer many opportunities to get cheap insurance.
Driving in Kingston
Kingston, Ontario, also known as “The Limestone City”, is the halfway point between Toronto and Montreal. Lying along the St. Lawrence River, Kingston has a population of approximately 120,000, and comprises several tourist attractions such as the Kingston Penitentiary and Fort Henry. Kingston is also home to three major academic institutions, including Queen’s University, St. Lawrence College, and Royal Military College.