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Kingston Car Insurance

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Car insurance = safety and protection

Kingston is located on the eastern end of Lake Ontario, midway between Montreal and Toronto along Highway 401. With a population of just over 130,000 people, the city is known for its large number of prisons, its strong military presence, and higher education institutions such as Queen’s University and The Royal Military College of Canada. Getting to and from Kingston is easy with the highway 401 access which can take you to Montreal, Ottawa, and even across the US border. Driving around Kingston, either on highways or secondary roads, it is common to encounter whitetail deer, who often wander onto the road. Kingston is said to have the cheapest car insurance premiums in the province but always check with your insurance advisor for the rates, as they can change frequently.

When you own a car, getting auto insurance is mandatory by law across Canada. Whether you're commuting to work every day, or just using your vehicle to run weekly errands, you need car insurance. It protects you (the driver), your passengers, and pedestrians in the event of an accident. So, before you get behind the wheel talk to your Surex Advisor who can help you get on the road today!

Comparing rates from Canada's leading Auto Insurance Providers
Wawanesa Insurance
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Types of coverage we provide

This allows one 'free' at-fault accident, meaning your rates will not increase on your first accident if you remain with the same company.

Car Rental Coverage
You can have your car insurance coverage extend to protect you while driving a rental vehicle up to a certain limit.
Collision Coverage
Provides coverage to repair/replace your car if it's damaged in an at-fault accident, hit and run or with an uninsured driver.
Comprehensive Coverage
Subject to a deductible typically covers fire, hail, theft, collision with an animal, vandalism and falling objects among others.
Depreciation Coverage
In the event of a "Total Loss" this coverage will protect you from depreciation. You’ll be entitled to the original price you paid/current sale price.
Family protection
Protects you or a family member if injured or killed in an accident caused by an uninsured/under-insured motorist.
Third Party Liability Coverage
When deemed legally responsible, provides coverage for injuries or damage caused by you to third parties and their property.
Windshield Coverage
Windows are included in comprehensive, however, you have the option to remove this coverage in order to lower your premium. *AB it is not included

Latest Kingston News

There are three types of car coverage in Canada. 

  • Collision car insurance: coverage for when you and another car or stationary object collide to cover the cost of the repair. 

  • Comprehensive car insurance: provides coverage for hitting an animal, fire, theft, vandalism, flood.

Liability car insurance: is required, by law, for all drivers. This insurance protects others from damages caused while you are driving, including property damage, bodily injury, and death.

Car insurance policies are offered by any personal lines insurance provider. By contacting the broker channel, they can provide you with multiple options so you can compare prices and coverage!

Car insurance in Kingston comprises a contract between customers and insurance companies that protects against financial losses in the case of a car accident or theft.

Yes, all Ontario drivers including drivers in Kingston are required by the Financial Services Commission of Ontario (FSCO) to have a minimum of $200,000 worth of Third Party Liability Coverage, Statutory Accident Benefits Coverage, Uninsured Automobile Coverage, and Direct Compensation & Property Damage Coverage.

Top parks in Kingston
  1. Lake Ontario Park
  2. Skeleton Park
  3. Grass Creek Park
Top shopping spots Kingston
  1. Kingston Centre
  2. RioCan Centre
  3. Cataraqui Town Centre
Best sights and landmarks Kingston
  1. Bellevue House National Historic Site
  2. Fort Henry National Historic Site
  3. Kingston Walks

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Questions to ask your Dedicated Insurance Assistant:

If you have a clean driving record in Canada, you’ll save on insurance – even as a newcomer to Kingston. You should also consider bundling your home and auto insurance for additional savings.

Drivers in Kingston typically commute fewer than 15,000 kilometres annually at an average of 20 minutes per day.

Today, so many factors go into rating that there’s no one-size-fits-all answer. The best solution is to compare quotes with a licensed insurance advisor and shop the market regularly to increase your chances at getting the best deal possible.

Drivers should shop around online to get the best car insurance rate possible in Kingston. Getting a free car insurance quote at an online insurance brokerage like Surex will allow you to speak to a dedicated insurance advisor to see which discounts you qualify for.

Car insurance rates in Kingston are influenced by how often you drive, your driving record, vehicle state, your coverage and deductibles.

Drivers must produce several documents to obtain car insurance in Kingston, Ontario. These include a valid driver’s license, proof of driver’s education training (if completed), vehicle registration, driving history (obtained through Service Ontario), license plate number, current car insurance policy, which drivers will use the vehicle, and payment information.

Insurance companies will send you a renewal notice in the mail or online when your policy is coming close to expiration. Policies will have 30 days before they expire, at which point you can decide to renew or change your policy.

The cheapest car insurance provider depends on how your unique situation fits into the formula companies create to evaluate policies. For example, one insurer might weigh your driving history more heavily than another. This is why it’s a good idea to compare rates from various insurers with Surex. The cheapest car insurance provider isn’t always clear at first but licensed insurance advisors can help answer all questions and provide the best information on the market.

You can contact your assigned Surex broker/advisor or contact the insurance company directly. Make sure you have your policy # and details of the claim prepare when you call.