Kingston Auto Insurance

Benefits of working with a Kingston auto insurance broker

Whether you are purchasing a new vehicle or reconsidering your insurance options, working with a dedicated car insurance broker is an easy way to ensure you are getting the best value for your money.

While direct writers sell their own insurance and insurance agents typically sell products for only one company, insurance brokers shop the market to save you money. As one of the largest independent, employee-controlled insurance companies in Canada, our team has access to over one hundred different insurance providers. We work for you and your interests. Our goal is to find you the best auto coverage, at a price you are comfortable with.

Understanding auto insurance Kingston, Ontario

Whether your vehicle has four wheels or just two, Acera Insurance has got you covered. While certain coverage types are mandatory, there is a lot of room for customization when it comes to selecting the best options for you and your vehicle. We work with you to understand your driving and insurance needs to offer tailored recommendations for your auto insurance policy.

Connect with an Acera Insurance auto broker in Kingston to learn more about what types of coverage options are available to you.

Finding the best auto insurance companies Kingston, drivers can depend on

At Acera Insurance, we work with some of the best auto insurance companies in the business. Through accessing our extensive network of insurers, our car insurance advisors shop the market to compare different carriers and their coverage options. We do all the research for you, so you don’t have to. The result? We provide you with multiple quotes from a curated list of top insurance companies. All you have to do is pick the one that best matches your needs and budget. Need help deciding? One of our dedicated Kingston auto insurance advisors is always happy to explain specific policy inclusions and provide their expert advice on what would work well in your scenario.

The cost of car insurance In Kingston, Ontario

The rate you can expect to pay on your auto insurance premium in Kingston, Ontario, is specific to your personal driving details, insurance history, vehicle information and coverage options. How much an insurance company will quote you for these specific details varies based on each insurance company’s claims experience in the marketplace.

You can have a broker like Acera Insurance find a company that is able to offer you lower rates, based on your personal use, age, driving record (good or bad) and experience. Insurance is a competitive industry, and insurers do change their rates over time.

Working with an auto insurance broker means finding the best coverage for you, at a price that will make you happy.

Five ways Kingston drivers can save money on their car insurance

Everyone wants to save money on their auto coverage. At Acera Insurance, we understand and support finding the most affordable rates on the best coverage to meet your needs. Apart from working with an auto insurance expert, we’ve listed five ways to help Kingston drivers spend less on their insurance.

1. Ask about discounts. Many insurers offer discounts for insuring multiple vehicles on the same policy. Several offer discounts for mature drivers. Some offer discounts if you install winter tires on your vehicle during the winter months. And most insurers offer a discount if you combine your personal property insurance or home insurance with your automobile policy. You should also ask if your current insurer provides discounts to reward your customer loyalty.
2. Consider a policy with higher deductibles. Many consumers have remained with the standard deductible amounts of $300 or less. The Ontario government requires insurance companies to offer $300 and $500 deductibles for Direct Compensation-Property Damage Coverage, a $300 deductible for Comprehensive Coverage and a $500 deductible for the Collision coverage. You can ask for an even higher deductible. Raising it to $750 or $1000 may result in a lower insurance premium. Just be sure you can afford that deductible if you are in an accident.
3. Take a defensive driving course. Some insurers provide discounts for new drivers who have taken defensive driving courses. Plus, the information you learn should help you avoid future accidents and unwanted claims, which can increase your premium.
4. Verify how you are using your vehicle. Are you still driving your vehicle to work, or are you only using it for pleasure? Insurers charge different premiums depending on the use of your vehicle and the distance travelled.
5. Don’t switch insurance companies midway through the year. You may want to wait until renewal time to avoid penalties for cancellation. However, if the savings you gain more than covers the costs of switching, and you want to secure a better rate sooner, one of our brokers can facilitate this for you.

Free Kingston auto insurance quotes

If you are looking for a new auto insurance provider, we’re here to help. At Acera Insurance, we utilize our local knowledge and industry experience to find the best auto insurance rates for you. We’ll present you with options to choose from and will customize an insurance plan that is tailored to your needs and your budget. We make the process of finding a new insurance provider as easy as possible. Contact us today to get your free auto insurance quote.