Car Insurance in Kingston, Ontario

Is there a more beautiful place to drive than Kingston, Ontario? We don’t think so. We are on the shores of beautiful Lake Ontario and St. Lawrence River. We are lucky to be surrounded by the province’s beauty. When you’re driving through the city, there are always beautiful sights to be seen, it’s like driving through a postcard!

Whether you’re going for a scenic drive, commuting to work, or headed to the cottage, you’ll need to have the proper insurance. It can be hard to find the right insurance when there are so many options out there. The good news is that an insurance broker can help you understand your options and find a plan that makes sense for you.

At BrokerLink, we’ve been helping Canadian drivers find the best insurance at competitive rates since 1991. Our brokers live in the communities we work in, which means we know what coverage makes sense for you. As one of the largest insurance brokerages in Canada, you can have confidence that we are reliable. Keep reading for ways to save money on car insurance in Kingston.

Why BrokerLink

Bundle to Save Money

Insuring your car and home together with the same insurance company means you will save on both policies. Also, you’ll pay a single deductible if you have a claim that involves your home and car.

Different Ways to Pay

There are different options when it comes to paying your insurance bill. You might prefer annual, semi-annual, quarterly or monthly. There are many different options, all with different benefits. A broker can explain which payment plan will make the most sense for your situation.

Accident Forgiveness

With accident forgiveness, your history of good driving is rewarded. Your first at-fault accident is treated like it never happened. With this additional coverage, your premium will not increase as a result of your first at-fault accident.

My Driving Discount

If you have good driving habits, you can save money! My Driving Discount is an app that monitors your driving. You could save an extra 25% off your insurance by using this new technology. Our insurance brokers can explain how this app works, help you get enrolled, and have you saving even more money!

Claims Support

The beauty of a broker is that we know insurance so you don’t have to. If you’re involved in a claim, you can always call your broker for advice. We’ve seen it all, and we know how to help. The other advantage is that brokers are independent. We work for our customers, not the insurance companies, so you can be sure you’re getting the best advice.

Even More Discounts

Who doesn’t love saving money? Insurance is our job, so we know how to get you all the best discounts. Whether you’re a new or existing client, there are always promotions to be taken advantage of. Discounts can include loyalty, graduated license, away at university, good student, claims-free, family discount, multi-vehicle and many more! Don’t do it alone - let a broker help you out and save you money.

The right approach

Finding the best car insurance at a great rate is just like anything else. It takes hard work to see positive outcomes! Think of it like going to the gym: you need to spend a lot of time lifting weights before your muscles start to get bigger. It doesn’t happen overnight. When it comes to insurance, you have to take the time and effort to get quotes from many different car insurance companies so you can compare and get the best rate.

But how are you supposed to wade through all this information? Especially when you’re already so busy. Is shopping for insurance really how you want to spend your free time?

We do the shopping for you

Working with a car insurance broker means we do the work for you. It’s really simple - car insurance brokers work for the customer. Not an insurance company. Your satisfaction is a broker’s biggest priority. Brokers work hard to shop around different insurance companies and find you the price and coverage you’re looking for. You can trust an insurance broker to do the leg work for you.

Brokers have the knowledge to help you make the best choice. Why try to be an insurance expert when someone else can do it for you? We are already the experts. Going with a broker means you’ll have more time to enjoy your life.

Car insurance rates can change from one company to another. And because these providers are always underwriting behind the scenes, rates fluctuate from year to year. That means that the company who offered you the best rate one year might not have the best rate when it’s time to renew. When you rely on the expertise of a professional insurance broker to help you shop around, you’re able to quickly and easily access the best offers from multiple insurance providers from year to year.

How to lower your rate

When it comes to car insurance, some things are out of your control. However, there are some simple tips and tricks that allow you to save. And who doesn’t want to save? Here are a few things you can do to pay a little bit less for insurance.

Pay once a year

Sometimes insurance companies charge an administrative fee for monthly payments. You can avoid those fees by paying annually in one lump sum.

Increase your deductible

Going with a higher deductible can reduce the cost of your overall premium. Consider increasing your deductible to least $1000 if it isn’t already.

Bundle your vehicles

Does your family have more than one car? Insuring all vehicles under one policy could save you money. Bundling could result in savings between 10-20% on each vehicle.

Bundle your other assets

Do you own a home? Or maybe a cottage? If you have any other assets, consider combining them with your car insurance policy. We call it bundling, and it can save you up to 15% on each policy.

Winter tires = savings

Canadian winters can be rough. Driving through the snow is often treacherous, and winter tires can make the drive a little easier. Even better, winter tires can save you money! Some insurance companies offer discounts of up to 5% for approved winter tires.

Review your coverage regularly

Make it a habit to review your policy with your broker every year. Things change, and the coverage you have might not make sense any more. Depending on your situation, you might need to remove or add coverage. You want to always make sure you’re properly protected and paying a fair price. Reassess your needs every year to make sure your plan is the best fit possible.

Go to driving school

Is there a new driver in the house? Before you hand over the keys to your teen, it’s always a good idea to put them through driving school. Being trained by a professional will give them the knowledge and experience to have confidence on the road. It can also save money! Many car insurance companies offer discounts to drivers who have attended driving school. In fact, the savings you receive on your first year of car insurance alone could cover the cost of a typical driving course.

Improve your driving skills

If you’re a good driver, you should be rewarded for it! Many car insurance companies have apps you can easily install on your smartphone that will score your driving habits. The app monitors things like your speed, hard braking, and the use of your smartphone while driving. If you are using safe driving habits, you can be rewarded with savings of up to 25%!

Consider hybrid or electric

Electric and hybrid vehicles are here to stay. These cars are good for the environment, and can be good for your wallet as well! Making the switch to an electric or hybrid vehicle could save you money on your car insurance. A broker can help find the best plan for your electric or hybrid vehicle.

New and improved insurance shopping

Shopping for insurance doesn’t have to be painful. Our brokers can make it easy by showing you all your options and helping you pick the perfect plan at a fair price. We take the guesswork out of car insurance. We’re here for you wherever you need us - online, on the phone or in a community branch. Wherever and whenever is best for you, we’re ready to get to know you and find coverage that fits. Nothing more and nothing less. Our team of passionate brokers have the expertise and knowledge to find you additional discounts and deals you might not be able to find on your own. You’ll be saving money, getting the right coverage, and you’ll walk away with peace of mind, knowing your assets are safe.

How do insurance companies determine car insurance rates?

Many factors influence car insurance rates. It is helpful to understand some of those factors. Each detail below has a different impact on your rate, and the decisions ultimately depend on the insurance company. These are a few of the most common factors car insurance companies consider when determining rates:

  • Age
  • Gender
  • Marital status
  • Type of vehicle
  • Where you live
  • Number of kilometres you drive
  • How you use your vehicle
  • Your driving record
  • Your driving experience
  • Past claims
  • Previous insurance coverage
  • Type of coverage on your policy
  • Your deductible
  • Your deductible

BrokerLink brokers do not set the car insurance rates. The insurance companies set the rates. Our brokers shop the different insurance markets to find the best rate for our customers. We get to know you and consider your needs and your budget.

Mandatory coverage

Mandatory coverage is the minimum coverage required in order to legally drive a vehicle on the road in Ontario. This is the law, and it’s designed to protect you and those around you. It applied whether you lease, finance or own your car.


Liability insurance is a very important party of car insurance. It helps pay for other drivers’

property and bodily injuries if you’re found at fault in an accident. This coverage will also cover any legal fees you might incur as a result of an accident. Liability coverage is mandatory across Canada, but the minimum amount is different depending on what province you live in.

Accident benefits coverage

Costs associated with an automobile accident don’t end right after the accident. You, or other people involved such as passengers or pedestrians might require medical or rehabilitative attention following the accident. This type of care could be required for weeks, months, or years following an accident. Accident benefits coverage will cover these costs. This type of coverage has different options and limits. Talking to an insurance broker will ensure you have the coverage you need.

Direct compensation

This mandatory coverage compensates you when you or your car is damaged in an accident where you are not at fault. It is called ‘direct compensation’ because you deal directly with your insurance company to recover any compensation following a claim.

Uninsured automobile coverage

Unfortunately, not everyone is a responsible driver. Even though insurance is mandatory in Canada, some people choose to drive without it. Uninsured automobile coverage protects you and your passengers if you are involved in an accident with a driver who is at-fault and is either uninsured or doesn’t have enough insurance.

Additional coverage in Kingston, Ontario

You might want to consider more than the legal insurance requirements. Additional coverage can give you additional peace of mind while driving. Below are a few of the most common additional coverages that put Kingston drivers at ease while they’re behind the wheel: Collision

Collision coverage will protect you if your car is damaged in a hit and run accident. It will also help pay for damages to your vehicle if it is involved in a collision with another driver or object.


This type of coverage protects you from damages or accidents that don’t include a car accident. Examples include theft, vandalism, fire and water damage.

Accident forgiveness

If you have a good history of driving, you deserve a second chance. Accidents happen! If you are involved in your first at-fault accident, this coverage protects your rates from increasing as a result of the claim.

Waiver of Depreciation

This coverage should be considered if you are purchasing a new vehicle. This option means you are covered for what the car was valued at when it was purchased. In the event of a total loss claim or theft, you will be reimbursed for the full value of a brand new vehicle.

Get in touch

When it comes to car insurance in Kingston, there is a lot to know. It can be overwhelming. Let us help you! We can be your resource for all things car insurance. From beginning to end, BrokerLink brokers can do all the work to ensure you are fully protected. Get a quote today and we will find an insurance plan that fits your life.