Kingston Car InsuranceFor over thirty years, Humberview Insurance Brokers has been assisting residents of Kingston, Ontario, and the surrounding areas with their Kingston car insurance needs. If you're searching for an affordable Kingston car insurance quote, our primary goal isn't just to offer you cost-effective car insurance. We also want to introduce you to one of our licensed Insurance Brokers. They are wholly committed to helping you secure a policy, providing valuable advice, and supporting you should you ever need to file a claim.
From the moment you request a car insurance quote, our dedication is evident and remains unwavering as you enjoy your coverage over the years.
Standard Car Insurance in Kingston, Ontario
Liability portion of your car insurance policy provides protection against damage you cause to other people or their property
Direct Compensation Property Damage
Covers damage to your vehicle from your own insurance company to the extent you are not at fault. (For portion you are at-fault you would need collision or all perils coverage). As of January 1 2024, there is an option to opt out of this coverage.
Uninsured Automobile Coverage
Protects you if you are hit by an uninsured motorist or by a hit and run driver. This portion will cover damage to your automobile caused by an identified uninsured motorist.
Provides compensation if you or others are hurt or killed in a car accident.
Extra Coverages for your Kingston Car Insurance to Take You Those Extra Km’s
Covers your damage to your car as a result of hitting an object or another car
Covers some insured damages such as falling objects, theft and fire.
All Perils Coverage
Most extensive physical coverage for your car. Covers collision + comprehensive and better theft coverage.
Accident Forgiveness Coverage
Extra coverage that protects your driving record and your insurance rate from going up from your first at-fault accident. Typically, you need to have been insured accident free for a set number of years to qualify.
Depreciation Waiver Coverage
Gives you the purchase price of the vehicle in the event of a total loss.
Rental Vehicle Coverage
Provides you with a rental vehicle to a specified limit after an insured loss.
How Kingston Car Insurance Rates Determined
The Car you Drive
Factors such as engine size, the cost of the vehicle and safety ratings can all make an impact to how much you will pay for car insurance.
How you Drive
Generally, if you are driving many kilometers or driving to work you will generally pay more than someone that just used their vehicle for occasional driving and errands.
The Area in Which You Live
The area in which you live and where you most often drive affect the price you pay for car insurance. Generally, big cities have more traffic this makes the risk of accidents being higher.
Things like your age, your driving history, how many tickets, accidents, when you got licensed as well as other factors can all play a part in making your rate..
All the Coverages You Choose
Some coverages you choose can add up and it is up to you to determine which are best fit for you. Our brokers can help you decide.
Discounts You Qualify for
A variety of eligible discounts can be added if you qualify that may impact your final car insurance rate.
Ways you Can Save to Get Cheap Kingston Car Insurance
Add your house policy to get a multi-line discount..
Insure two or more vehicles
Insuring your vehicles with the same company can result in you receiving a multi-vehicle discount for all vehicles on the policy.
In Ontario, there are many options for car insurance whether through agents, brokers or direct companies. There are many offerings.
Determine how much you are comfortable covering yourself if minor damage occurs and adjust your deductible accordingly.
Some insurers charge a maximum rate of 1.3% for paying for your car insurance on a monthly basis. If your company is charging you for paying monthly – ask about paying annually or in larger installments to avoid fees.
Install winter tires
Installing winter tires on your vehicles just makes sense for winter driving, but it can also save you money on what you pay for your car insurance.
Take a Drivers Training course
If you are a young or inexperienced driver the price you pay for car insurance might be improved by taking an approved driver training course.
Insurers typically give renewal discounts after a year or three and it might be wise to consider what the renewal price will be when you are shopping around.
Tips for Driving in Kingston
Stay Alert for Pedestrians
Given Kingston's university population and downtown buzz, pedestrian activity is high. Always be vigilant.
Respect Speed Limits
Adhere to posted speed limits, whether you're navigating through historic streets or modern boulevards.
Monitor Weather Conditions
Kingston can experience a wide variety of weather, from lake-effect snow to summer rains. Always check forecasts before heading out.
You Get One Dedicated Broker
We are not a call center, you will have the same broker for your policy.
In Business Since 1982
We are an independent broker located in Toronto since 1982
Quotes from Top Insurers
We represent some of Canada's best insurance companies.
No phone prompts when you call us
Speak to a human, right away.
Did you Know About Kingston?
Kingston, Ontario, often referred to as the "Limestone City" due to its historic limestone buildings, holds a unique place in Canadian history. Today, its strategic location along the shores of Lake Ontario makes it a vital hub with drives that weave through a mix of historical architecture and modern urban landscapes. This combination underscores the importance of having dependable Kingston car insurance, ensuring drivers stay protected as they journey through the city's captivating roads.
Some of the busiest streets and roads in Kingston include
This major road cuts through the heart of Kingston and is lined with businesses and restaurants.
Serving both residential and commercial areas, this street sees consistent traffic.
Alongside the waterfront, it's a scenic drive filled with historic landmarks.
A significant route for shoppers and commuters alike.
Taylor Kidd Boulevard
Connecting the west end to central Kingston.
A central north-south route that sees daily traffic.
Notable neighborhoods and areas in Kingston:
The primary highway passing through Kingston, connecting it to cities like Toronto and Montreal.
The city's heartbeat with its historic market square, marina, and lively atmosphere.
Queen's University District
This area bustles with students and academic life.
A blend of old-world charm and modern amenities.
Renowned for its lakeside homes and parks.
A mix of older homes and new developments, it's a diverse residential area.
Kingston Car Insurance FAQ
How much car insurance do I need in Kingston?The minimum amount includes liability insurance which comes with three other mandatory coverages. We suggest people carry at least $2 million in auto liability coverage.
How much is car insurance per month in Kingston?Paying approximately $200 per month is in and around the standard. But this can increase quickly if you are a new driver, have tickets, accidents or live in an area where there are a lot of claims.
How much is insurance for a G2 Driver in Kingston?For a new G2 driver paying $350 per month is not unheard of. There could be ways to reduce this rate if you recently moved to Ontario and can prove experience from a different province or country.
Which car offers the most affordable insurance in Kingston?Economical vehicles like sedans and compact cars (e.g., Toyota Corolla, Honda Civic, Hyundai Elantra) usually fall into the category of cars with more affordable insurance premiums.
How much is car insurance in Kingston for a new driver?The Ontario auto policy provides many coverages, as well as extreme weather events, fraud and higher value of vehicles results in higher premiums people pay for their auto policy in Ontario.
Do all drivers in a household have to be insured in Kingston?There is no clear answer, as Ontario car insurance is based on many factors. Vehicles with higher safety ratings and are less expensive typically will result in lower premiums for the rating that is derived by the vehicle.
How much is car insurance in Ontario for a new driver?This rate can vary depending if you are a new driver who completed driver training, or whether or not you are bringing experience from another country or province.
Do all drivers in a household have to be insured in Ontario?Yes, by law all drivers that are in the household need to be listed on the policy or have their own policy.
Kingston Car Insurance Quotes For Different Types of Car Insurance
Clean Record Car Insurance in Kingston
Drivers in Kingston with impeccable driving histories have a prime opportunity to obtain rates that celebrate their excellent driving records. At Humberview Insurance Brokers, our commitment is dual-focused. We strive to provide affordable Kingston car insurance solutions. Moreover, we are eager to connect you with our expert, licensed Insurance Brokers. These professionals will guide you in selecting the right policy and are a beacon of assistance, especially when filing claims.
Kingston Commercial Auto Insurance
For over three decades, Humberview Insurance Brokers has been the go-to choice for Commercial Auto Insurance in Kingston. Whether you're in retail, hospitality, or use your vehicle for business tasks, we have a solution for you. Our experts craft policies tailored to your specific needs, ensuring comprehensive coverage. Trust us to offer the best Commercial Auto Insurance solution in Kingston.
High Risk Car Insurance in Kingston
At times, drivers in Kingston may require high-risk car insurance. This category is for those considered a higher liability by insurance companies due to their driving record or other factors. Reasons for this label might include a history of DUI, numerous traffic violations, being at fault in multiple accidents, or a lapse in insurance coverage. With this policy type, individuals can gradually rebuild a favorable driving record while maintaining essential coverage on the streets