Kingston Car Insurance

Fill Out, Submit To Get A Quote

Kingston Car Insurance

For 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

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.

Accident Benefits

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

Collision Coverage

Covers your damage to your car as a result of hitting an object or another car

Comprehensive Coverage

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

1

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.

2

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.

3

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.

4

Driver Profile

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..

5

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.

6

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

Bundle

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.

Shop Around

In Ontario, there are many options for car insurance whether through agents, brokers or direct companies. There are many offerings.

Increase deductibles

Determine how much you are comfortable covering yourself if minor damage occurs and adjust your deductible accordingly.

Pay Yearly

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.

Consider Renewing

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.

Why Humberview?

  • 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

Princess Street

This major road cuts through the heart of Kingston and is lined with businesses and restaurants.

Bath Road

Serving both residential and commercial areas, this street sees consistent traffic.

King Street

Alongside the waterfront, it's a scenic drive filled with historic landmarks.

Gardiners Road

A significant route for shoppers and commuters alike.

Taylor Kidd Boulevard

Connecting the west end to central Kingston.

Division Street

A central north-south route that sees daily traffic.

Notable neighborhoods and areas in Kingston:

Highway 401

The primary highway passing through Kingston, connecting it to cities like Toronto and Montreal.

Downtown Kingston

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.

Portsmouth Village

A blend of old-world charm and modern amenities.

Reddendale

Renowned for its lakeside homes and parks.

Kingscourt

A mix of older homes and new developments, it's a diverse residential area.

Kingston Car Insurance FAQ

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

Car Insurance News and Blog for Kingston, Ontario

mississauga car insurance theft

Car Theft Prevention: Ideas for Ontario Drivers

With the increasing number of car thefts in Ontario, we’ve compiled 8 essential considerations for drivers in the Province. Dive into our article, see what ideas there are...
Read More

Smooth Transitions: Navigating Car Insurance in Ontario When Moving from Another Province

Relocating to a new province can be a challenging experience, especially when it comes to navigating car insurance changes. This guide is designed to help new Ontario residents...
Read More

Car Insurance in Ontario, Changes to DCPD Coverage January 1, 2024

Starting January 1st 2024, Ontario auto insurance policy holders will have the option to remove Direct Compensation for Property Damage (DCPD) coverage from their car insurance policy. This...
Read More

Top Ten Stolen Cars in Toronto 2021

Below is a list from Toronto Police Services of the top ten cars stolen in the year 2021. Top 10 Auto Thefts by Vehicle Make and Model in...
Read More

Moving From Manitoba to Ontario and Looking for Car Insurance?

If you are considering moving from Manitoba to Ontario or you’ve already moved, we wanted to share with you how to get credited for your driving experience from...
Read More

What is High Risk Car Insurance?

High risk car insurance is a car insurance policy where you as a driver no longer qualify to be insured with most regular market car insurance companies due...
Read More