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Kitchener Car Insurance

Multiple Car Insurance Quotes + a Real Person To Help You Along The Way

Kitchener auto insurance: compare quotes 

Home to 233,222 residents according to the 2016 census — 523,894 if you include neighbouring Waterloo and Cambridge — Kitchener, Ont., is the fourth largest census metropolitan area (CMA) in Ontario. In addition to the city’s proud Germanic heritage and world-renowned Oktoberfest, Kitchener is a thriving economic centre known for having one of North America’s fastest-growing technology and startup scenes. Educational leadership is also a major characteristic of the Kitchener-Waterloo area, with Wilfrid Laurier University, University of Waterloo, and Conestoga College all in close proximity. Located just 100 km west of Toronto, Kitchener is surrounded by a network of highways, including Highway 401, Highway 7, and Highway 8. Kitchener drivers should always compare rates before deciding on an auto insurance policy — something they can easily do with Surex. 

Comparing rates from Canada’s leading Auto insurance providers
Wawanesa Insurance
Pembridge Insurance
Intact Insurance
Jevco Insurance
Need Coverage but don't know what it all means?
Third Party Liability Coverage
This coverage relates to the replacement/fix cost of the other vehicle or property if you’re involved in an at-fault accident.
Comprehensive Coverage
This coverage protects your vehicle from damage that doesn’t happen in an accident. Theft coverage is also here.
Collision Coverage
If you’re involved in an at-fault accident, his coverage covers the replacement/fix cost for your vehicle.
Accident Forgiveness
If you have a great driving record, some insurers will be willing to offer you accident forgiveness.
Windshield Coverage
If you want coverage for the windows of your car, it would be found here. Windshield will include an annual fee and a small deductible amount.
Car Rental Coverage
You can have your car insurance coverage extend to protect you while driving a rental vehicle.
Depreciation Coverage
This coverage provides you the replacement value of the car that has been damaged. Depreciation is not subtracted from the value of the item.
Family protection
Based on coverage, it protects you or a family member if injured or killed in an accident caused by an uninsured/underinsured motorist.

Latest Kitchener News

  • At Surex, our three-step process will ensure that you end up with the best car insurance available in Kitchener. Here’s how it works:

  • Personalized insurance quotes: Surex will capture some of your basic information — either by phone or online — and then shop the market for you. In under 10 minutes, you’ll have up to 10 personalized insurance offers to choose from.

  • Customize your offers. Once you receive the initial quote, you can edit your information and compare quotes to find the best overall value.

  • Purchase and manage 24/7. Once you’ve selected a quote & reviewed the policy with your dedicated assistant, you can electronically sign documents to receive an instant proof of insurance. If you’d rather speak with with someone we will connect you with a Dedicated Personal Assistant to walk you through all the options and answer any questions you might have. Once finished, your documents will arrive in the mail and you can manage your policy 24/7 with our ‘My Surex’ login feature.

Be highway savvy. The ‘Tri-Cities’ of Kitchener, Waterloo, and Cambridge are situated in one of the province’s most densely populated areas and are surrounded by no fewer than five major highways, including Highway 401, Highway 7, Highway 8, Highway 85, and Highway 24. Whether you’re passing through or you’re a local driver, always pay extra attention — and leave yourself extra time — when using one of the region’s busy throughways. 

Using roundabouts. Beginning in 2004, Kitchener began introducing roundabouts throughout the city. When approaching an intersection with a roundabout, always yield to oncoming vehicles, and when driving inside the roundabout, never lane-change. 

Know your city. Kitchener and Waterloo may be a part of the same region — and the cities even share some street names— but they are distinct municipalities. To avoid road confusion, drivers should know city they’re driving in, and which city they’re driving towards. 

Winterize your vehicle. Although technically outside of Ontario’s snow belt, Kitchener still gets usually around four months of wintery weather each year. To ensure you’re safe on the roads in the winter months, make sure you install approved winter tires, keep your gas tank full, use winter-rated windshield washer fluid, carry a snow scraper, and always keep an emergency kit in your vehicle (including non-perishable food items, water, flares, matches, and blankets).

Compare your options. Always shop around! Instead of blinding renewing with your current insurance provider, take a few minutes and see what other coverage options and rates are available. Rates can change — as can your personal driving situation — and even a small decrease in your monthly premium can result in major savings over the course of your annual premium. 

Lower your kilometres. If possible, try walking, biking, car-pooling, or using public transit to get to work, even if only for a one day per week. Lowering the number of kilometres you put on your vehicle each year can result in a reduction to your annual car insurance premium. 

Occupation. Holding certain occupations, such as accountants, law enforcement officers, or being retired, can mean that you qualify a lower car insurance rate. Always disclose your occupation to your Dedicated Insurance Assistant and ask if you qualify for any discounts to your annual car insurance premium. 

Ask for higher deductibles. Raising your deductible — the amount the policyholder is responsible for paying before an insurance payout kicks in — is a common way to lower your auto insurance premium. Just make sure that you’re in a position to comfortably afford the higher initial payment in the event of a claim. 

I want to thank VP Ryan and Verinder Nagra for excellent service. Thank you for all your help. I am a very very happy client.

Josipa E. — Kitchener, ON
Best parks in Kitchener
  1. Victoria Park
  2. Waterloo Park
  3. McLennan Park
Best shopping sites in Kitchener
  1. CF Fairview Park
  2. Conestoga Mall
  3. Best Buy
Best Sights and Landmarks Kitchener
  1. St. Jacob's Farmers' Market
  2. Chicopee

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Talk to Real People

insurance broker derek
Licensed insurance broker

Questions to ask your Dedicated Insurance Assistant:

As a new driver, one of the best ways to lower your car insurance premiums is to complete a safe driving course. Successful completion of a driver’s education course not only lowers your chances of being involved in an accident, it will also typically lower your auto insurance premiums by $1,000-$1,500 annually, for your first three years as an insured driver. 

Auto insurance premiums generally start to drop after the age of 25, providing the policyholder has a clean driving record and never misses payments. Car insurance rates tend to drop again after the age of 60, assuming that the insured driver has clean driving record and a history making payments reliably. 

Technically, you are not allowed to haggle on your auto insurance premium. Rates are calculated based on a number of variables, and Personal Insurance Assistants are unable to influence these factors. However, there are a number of ways that you can bring your premiums down, including shopping around between different providers (they all have different rates and offer different discounts), bundling multiple policies with the same provider, completing a recognized safe driving course, and enquiring about discounts. 

Insurance providers determine auto insurance premiums based on the likelihood and cost of a claim for a given driver. Some of the common elements that are used to determine risk and calculate premiums include make and model of vehicle, driving history, age and sex of driver, frequency of vehicle use, primary purpose of vehicle, driver’s area of residence, coverages selected, government regulations, and applicable discounts.

All Ontario drivers are required by the Financial Services Commission of Ontario (FSCO) to have at least $200,000 of Third Party Liability auto insurance coverage, protecting themselves in the event of an at-fault accident that causes damage to a third party. Additionally, Ontario policyholders must hold Statutory Accident Benefits Coverage, Direct Compensation & Property Damage Coverage, and Uninsured Automobile Coverage. Beyond these mandatory coverages, there are many other coverage options available, including Collision and Comprehensive, which protect policyholders against a range of perils, including vandalism, theft, and other non-collision related vehicle damage. 

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