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Low car insurance rates available in Kingston
Insurance companies say that when there are fewer drivers, often, there are fewer accidents. This can mean lower car insurance premiums in cities like Kingston, relative to larger cities. But the savings don't stop there. At Kanetix.ca, we find you the lowest rates out there for your car insurance. We offer free personalized quotes from over 50+ top auto insurance companies across Canada. Compare quotes today for the lowest price. It's simple, secure and free.
Still think you're paying too much for your car insurance?
Rates may change as often as four times a year. The Financial Services Commission of Ontario (FSCO) reviews, approves and publishes rate changes every quarter. So when drivers auto-renew their policy with the same company, they are easily forgoing an opportunity to save money. The rate that you paid a year ago with one company may have been the best rate then, but that doesn't mean that it's still the best rate today. Make sure you're always paying the cheapest rate by using the Kanetix.ca Car Insurance Rate Tracker.
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What does a car insurance policy cover?
- Accident benefits: Accident benefits are benefits you receive if you are injured in a collision, regardless of who was at fault. This can include medical and rehabilitation costs, funeral expenses, death benefits, as well as income replacement.
- Third party liability: Third party liability coverage covers legal claims for a collision that causes injury or damage to a third party. The minimum coverage requirement is $200,000, although most drivers take at least $1 million.
- Direct compensation - Property damage (DCPD): This provides coverage for damage to your car and any property inside the car as a result of a collision in which you are not to blame.
- Uninsured motorist coverage: This portion of your policy provides protection if you are in an accident and are injured or killed by an uninsured driver or a hit-and-run driver.
- Collision: Covers damage to your vehicle as a result of impact or a collision with another vehicle or object.
- Comprehensive: Covers you in the event your car is damaged in non-collision events like theft, vandalism or severe weather.
Optional coverages typically come with a deductible. A deductible is the portion of an insurance claim you agree to pay. By opting to pay a higher deductible, your rates will lower. But before you opt for a higher deductible, it's important to consider if you can afford it first should you ever have to pay a claim.
How is your Kingston car insurance rate calculated?
As we mentioned, with its relatively smaller population in comparison to places like Vancouver or Toronto, Kingston citizens easily get a break when it comes to car insurance costs. The closer you live to high-traffic areas with more congestion, the higher your premium will be. It pays to live further away from high traffic areas, as those who do often save.
Other factors that insurance companies look at when calculating your premium include:
- Your commute: Having a long commute not only costs you more in gas, but in insurance as well. The more time you spend on the road, the higher your rates will be. Those who work close to home or take transit will likely have a lower premium because they have a decreased chance of getting into an accident.
- Your driving history: A clean driving record equates to cheaper car insurance. Insurers assess how "at-risk" you are by looking at the tickets, accidents, and charges on your record.
- The car you drive: Your vehicle model, year, rate of theft, repair costs and safety ratings all play a part in deciding how much it would cost to insure your car.
The rate for car insurance can be a huge determining factor in which car you choose to drive. If you're in the market to buy a new car, let us help make your decision easier. Compare car insurance quotes for multiple vehicles, side by side.
Other ways to save more on car insurance in Kingston
Driving in the winter and contending with icy road conditions can be a challenge to say the least. But a great way to improve handling is by investing in winter tires. Not only do they improve safety, but they could qualify you for a discount of up to 5 per cent on your auto insurance. Drivers in Kingston can easily save by installing winter tires in November and keeping them on until April.
Roadside assistance is another great safety feature that may warrant a small discount on your rate.
Adding more safety and security features to your car is never a bad idea, and it can also save you money. For example, installing an alarm system in your garage, or an anti-theft device in your car could get you a discount with your insurer.
The right time to shop around and compare rates is anytime. By using Kanetix's insurance rate tracker, you'll always know if you're paying too much for your coverage.
More specifically though, it's important to compare rates before you renew or when life changes. When you get married, move, buy a new car, or retire, you may experience some rate changes and should actively seek cheaper car insurance if you want to save.
Not ready to shop for insurance today?Set a renewal reminder and we'll let you know when it's time to save.
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