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Updated on Dec 15, 2017 02:10 pm

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Getting the Best Price On Your Kingston Auto Insurance

city of kingston
Kingston is the nineteenth largest city in Ontario. In 2011, Kingston had a population of 123,363, and of this group about 84.1 per cent are old enough to drive. If you live in the Kingston area and looking to save some money on your auto insurance, you’ve come to the right place.

InsuranceHotline.com is your one stop shop for finding a better rate. The best way to save money is to compare auto insurance quotes. The cost to insure the same driver and vehicle can differ among insurance companies. In some cases the difference in cost can vary by hundreds and even thousands of dollars which is why it’s so important that you regularly check and see if there’s a better auto insurance rate out there. The potential savings alone make it worth it.

How much could be saved? Well, on average, InsuranceHotline.com shoppers save about $700!

Who shops for Kingston auto insurance?

Everyone who is looking for a cheaper Kingston auto insurance rate should comparison shop their car insurance needs. Whether you’ve got a spotless driving record or not, shopping around will likely net you a better rate. At InsuranceHotline.com, drivers from Kingston are on average in their 30s, but even if you’re younger or older InsuranceHotline.com can help you see if there’s a better rate available.

Of all the Kingston drivers getting quotes at InsuranceHotline, almost 73.7 per cent of them said they have a clean driving history with no tickets, accidents or licence suspensions; 11.9 per cent said they had at least one traffic ticket; and, 11.4 per cent admit to having been involved in at least one collision. The remaining drivers have at least one ticket and one accident (1.9 per cent).

In addition to your driving record, where you live in Kingston will factor into your auto insurance rate. Did you know that it’s estimated that about 15.9 per cent of the population in Kingston have moved in the last year (whether to Kingston or within)? Moving is one of those key times when you should spot check your auto insurance rate. If you have recently moved, now is the perfect time to compare your Kingston auto insurance rate.

Driving in Kingston

Kingston drivers have indicated that on average they drive about 15,009 kilometres a year and have a daily commute of about 11 kilometres each way. The cars driven most by Kingston drivers in order from most popular, according to InsuranceHotline.com data, are made by Honda, Toyota, Ram Truck, Ford Truck and Hyundai.

Of the Kingston residents who are of working age, 71.4 per cent drive to work in either a car, truck or van (according to Statistics Canada) and 8 per cent are a passenger while someone else drives. The remaining 20.4 per cent either walk, bike, take public transit or another method of transportation.

The median commuting time in Kingston is 15.5 minutes. Between 7 and 9 a.m., 59.4 per cent of Kingston residents leave for work, making it the busiest time to travel. In comparison, 21.3 per cent prefer to leave for work any time after 9 a.m. To avoid the morning Kingston rush, adjusting you commute times should do the trick.

Kingston Auto Insurance 101

Car insurance is a necessity; without it you aren’t able to drive. If you’re looking to save some money, the best way to do so is to compare your Kingston auto insurance rates. Car insurance rates are always changing and vary by company, which means more opportunities to save.

In addition to where you live and your driving record, there are several other factors that go into determining insurance rates including:

  • The type of car you drive
  • Your driving and insurance history
  • How often and how far you drive
  • The deductibles you choose
  • Optional extra coverages you opt into having

 

Optional coverage and endorsements

Every province has compulsory minimums that you must have in order to drive, however there are also optional coverages and endorsements that you can add to your policy for an additional fee. The following are some of the most popular.

  • Collision coverage: this covers damage to your vehicle as a result of an impact of collision with another vehicle or object.
  • Comprehensive coverage: this protects your car against damage caused by events like theft and vandalism.
  • Loss of use: In case you’re in an accident, this covers your transportation costs (like a rental car) while your vehicle is being repaired or replaced.
  • Rental car: If you frequently rent cars, this ensures that your rentals have both collision and comprehensive coverage.
  • Depreciation Waiver: If you have a new car, this endorsement ensures you’ll receive the full value of your vehicle in case it ever ends up being considered a total loss.

Compare Your Kingston Car Insurance Rates Today

There’s no time like the present to see if you could save on your Kingston auto insurance rates. Why wait, when on average, InsuranceHotline.com shoppers save about $700 after shopping arourd? Compare your Kingston rates today to what’s available online to see how much you could be saving.

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