Car Insurance in Kitchener

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Lower your Kitchener car insurance cost and save an average of $750*. Compare auto insurance rates in minutes and benefit from the savings. Are you getting the lowest rate for car insurance in Kitchener? At Kanetix.ca, we know how a better insurance rate can be obtained without compromising the coverage you need. No one in the industry knows the market better or has the rate comparison tools needed to shop for the best premiums from the most insurance providers in one place. Compare Kitchener car insurance quotes today for the lowest price. It's simple, secure and free.
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Kitchener auto insurance

No matter where you live in Canada, auto insurance is required by law and Kitchener is no different. But there are no rules saying you have to stay with the same insurance company. Kitchener car insurance rates often change and the company who offered you the best rate last time you shopped around may no longer offer you the best Kitchener auto insurance rate today.
  • How often do auto insurance rates change? Well, every three months the Financial Services Commission of Ontario (FSCO) reviews, approves and publishes the latest changes. Let us help you keep track of your Kitchener car insurance rates with the Kanetix.ca Car Insurance Rate Tracker.

Kitchener car insurance policy 101

Your Kitchener car insurance policy is made up of a variety of coverages, some mandatory and some optional. The following are some of the mandatory coverages:
  • Accident Benefits: Accident Benefits are benefits you receive if you are injured in a collision, regardless of who was at fault.
  • Third Party Liability: Third Party Liability coverage pays for a legal claim for a collision that causes injury or damage to a third party. The minimum limit requirement is $200,000 although most drivers go with 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 injured or killed by an uninsured driver or a hit-and-run driver.
Did you know that in June, 2016 there are changes to your standard Accident Benefits coverage? Learn more about what's different and read, "Ontario Car Insurance Is Changing. What You Need to Know" There are optional coverages as well and two of the most common are:
  • Collision: This covers damage to your vehicle as a result of an impact or collision with another vehicle or object.
  • Comprehensive: This insures your car against damage caused by events like theft and vandalism.
Both of these optional coverages typically come with a deductible. A deductible is the portion of an insurance claim you agree to pay. Your deductibles will factor into how your auto insurance rates are calculated. The higher the deductible the lower your rates.

What goes into your Kitchener auto insurance rate?

More than 220,000 people reside in Kitchener and as you may know, a significant amount drive every day. In Kitchener, the average age of drivers shopping for car insurance at Kanetix.ca is 38. The vast majority of drivers shopping their rate are male (67%) while one-third of women comparison shop their auto insurance rates. When drivers apply for new auto insurance policies in Kitchener or decide to renew existing ones, your car insurance rate depends on several different factors. Where you live in Kitchener, your commute, the car you drive, and your driving record are just some of the elements used to determine the rates you pay. Where you live in Kitchener Kitchener is a growing community and drivers must shop around to ensure they are getting the best insurance rate available. Located approximately 100 km west of Toronto, Kitchener is not immune to challenging driving conditions, and where you live is one of the considerations when rates are calculated. Your drive There are thousands of commuters who travel 200 kilometres a day or more between Kitchener and various locations in the Greater Toronto area. This will have an impact on the cost of your car insurance. However, those who work near their homes or utilize public transit may enjoy a reduction in car insurance costs compared to those who commute daily.

The car you drive in Kitchener

The vehicle model and year, as you are aware, are used to determine your auto insurance rates. Car insurance premiums are generated with this information in mind as different cars have higher theft rates than others and repair costs may fluctuate significantly depending on the vehicle model. Safety ratings may also be a consideration when calculating car insurance premiums. In Kitchener, the Honda Civic is the most popular car for drivers shopping for auto insurance. The Toyota Corolla is the second most common followed by the Mazda3. The Honda Accord and Hyundai Elantra occupy the fourth and fifth place in terms of popularity among Kanetix.ca shoppers. If you're going to be buying a car, you'll need to factor in the cost of insurance. Compare Kitchener car insurance quotes for multiple vehicles, side by side.

Your driving history

Auto insurance companies look carefully at your driving history when determining car insurance rates. Auto insurance premiums will be adjusted accordingly based on your past driving behaviour including all accidents, infractions, tickets or charges that are accumulated. For those with impeccable driving performance, this definitely will help keep your insurance costs down. In Kitchener, more than half of all drivers indicated they had at least one car accident, as reported while obtaining their auto insurance quotes at Kanetix.ca. More precisely, 59 per cent have reported at least one incident. Almost one in two drivers (46%), report that they have received at least one ticket. Half of all male drivers (50%) indicated they had at least one ticket compared to women at 39%.

Safety first, the perks of taking care on the road

The vast majority of Kanetix.ca customers in Kitchener (85%) appear to use winter tires to help them with the challenges associated with winter driving conditions. Kitchener drivers, like many others throughout Ontario, are taking advantage of the discount being offered by car insurance providers in the province to motorists who buy and install four winter tires in November and keep them on until April. Since the Ontario government implemented the measure on January 1, 2016, thousands of drivers have saved up to 5 per cent on car insurance rates by installing snow tires. Many insurance companies will take a look at whether drivers use some form of roadside assistance program and may provide a discount for doing so. In Kitchener, 31% of car insurance shoppers specify that they use roadside assistance programs, showing that safety remains a big concern for drivers in the community.

Kitchener car insurance discounts can help you save.

Car insurance companies often offer significant savings to customers that hold multiple policies. Kitchener drivers are aware of this and more than half (54%) expect to enrol in multi-line discount plans from their auto insurance provider (this means they'll get their home insurance from them too).
  • Did you know it's not just property insurance policies that could result in a discount? Depending on the insurer, an insurance policy for your motorcycle, RV or snowmobile could count too.
As always, it is a good idea to shop around and compare rates to get the best prices. It is also important to ask for appropriate discounts. You will find that taking driver training courses, installing additional safety and security features on your vehicle, being retired or even belonging to certain groups, associations or universities may provide considerable discounts.

Kitchener drivers can save by shopping around

Compare your Kitchener auto insurance rates on a regular basis to make sure you're not overpaying for your coverage. Shop around annually at renewal as well as anytime when your lifestyle changes. If you get married, move, or buy a new car are all times when you should shop around for a lower auto insurance rate.
*60% of Kanetix customers in Ontario who participated in the survey said Kanetix helped them identify an average savings amount of $776.58 (December 1, 2015 - February 29, 2016) on their car insurance. The cited amount represents the average difference between the best quote obtained at www.kanetix.ca and the current premium amount of participants in the survey. The savings amount varies by individual and does not constitute a guarantee; in each individual case, the difference may be smaller or greater than the savings amount cited.

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auto INSURANCE QUOTE TICKER
Car Insurance Quotes Premium
Customer 53, KITCHENER, ON
2009, JEEP, COMPASS SPORT 4DR 2WD
Gore Mutual$1017
Dominion of Canada$1097
Chieftain Insurance$1164
Coachman Insurance$1888
Intact Insurance$2139
Range of top quotes$1122
Customer 24, KITCHENER, ON
2010, MAZDA, MAZDA3 i SPORT 4DR
belairdirect$1400
TD Insurance$1648
Wawanesa$2024
Gore Mutual$2186
Dominion of Canada$2798
Range of top quotes$1398
Customer 28, KITCHENER, ON
2017, HYUNDAI, ELANTRA GL 4DR
Desjardins Insurance$1211
Intact Insurance$1530
The Co-operators$1536
Dominion of Canada$1615
Chieftain Insurance$1644
Range of top quotes$433
Customer 57, KITCHENER, ON
2002, CADILLAC, DEVILLE 4DR
Economical Insurance$790
The Co-operators$871
Dominion of Canada$1026
Chieftain Insurance$1200
Wawanesa$1236
Range of top quotes$446
Customer 31, KITCHENER, ON
2006, PONTIAC, MONTANA SV6
Desjardins Insurance$1326
belairdirect$1357
The Co-operators$1390
Dominion of Canada$1457
Chieftain Insurance$1728
Range of top quotes$402
Customer 24, KITCHENER, ON
2006, NISSAN, MAXIMA 3.5 SE 4DR
belairdirect$1913
Gore Mutual$2836
Dominion of Canada$2868
Economical Insurance$2954
Wawanesa$3137
Range of top quotes$1224
Customer 29, KITCHENER, ON
2013, HONDA, CIVIC LX 4DR
belairdirect$1710
Gore Mutual$1959
Economical Insurance$2040
Coachman Insurance$2125
Wawanesa$2522
Range of top quotes$812

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