Nearest broker: Searching for a broker nearby…
Nearest broker: Sudbury Phone: (705) 523-2030 Penetanguishene Phone: (705) 549-7437 Ottawa Phone: (613) 733-3312 Parry Sound Phone: (705) 746-2441 Orillia Phone: (705) 325-4234 Kemptville Phone: (613) 258-5991 Eganville Phone: (800) 884-1045 Petawawa Phone: (613) 687-4805 Belleville Phone: (800) 361-0941 Winchester Phone: (800) 487-3706 Wellington Phone: (613) 399-3620 Trenton Phone: (877) 455-0299 Prescott Phone: (877) 504-3569 Picton Phone: (888) 475-2776 Peterborough Phone: (800) 958 2270 Perth Phone: (877) 248-1222 Pembroke Phone: (877) 399-3299 Oshawa Phone: (800) 887-7309 North Bay Phone: (705) 475-0001 Napanee Phone: (613) 354-2152 Morrisburg Phone: (800) 806-0746 Midland Phone: (888) 737-6465 Madoc Phone: (613) 473-5266 Kingston Phone: (800) 590-5422 Gananoque Phone: (800) 932-2131 Embrun Phone: (866) 853-4740 Crysler Phone: (888) 292-7098 Courtice Phone: (888) 761-0443 Cornwall Phone: (844) 463-3616 Cobourg Phone: (800) 895-5902 Carleton Place Phone: (888) 237-9517 Brockville Phone: (888) 345-8663 Brighton Phone: (613) 475-1430 Barry’s Bay Phone: (866) 845-2123 Barrie Phone: (705) 726-3350 Bancroft Phone: (800) 994-0036 Arnprior Phone: (800) 668-7337
Get a Quote
Open Menu
View of waterway in Kingston Ontario

Auto Insurance in Kingston

Established in 1673 by Louis de Buade de Frontenac, Kingston has blossomed into a bustling city with a vibrant population, a young core of residents and an incredible amount of architectural heritage. Whether it’s the cobblestone downtown, or the beautiful City Hall, or even Fort Henry, in all its military discipline, Kingston is a city unlike any other. So why would you expect your insurance to be the same?

Living in Kingston comes with many perks, but also a unique set of circumstances that you must be mindful of when purchasing your auto insurance. Having a branch office, Bickerton Insurance, in Kingston, we polled some of our experienced colleagues to find out what are the most important parts of Auto Insurance Kingstonians must keep in mind. Read on to find out more!

A Busy City

With the 401 providing a constant stream of new arrivals, as well as an airport, busy train station and crowded marina, Kingston sees a lot of traffic moving through its borders. With more then 80% of Kingstonians driving to work, the city runs on automobiles. So you need to be protected if your automobile is damaged in a claim.

OPCF 20

OPCF 20 is a special change you can apply to your auto policy, which reimburses you for reasonable expenses incurred as a result of the loss of an insured vehicle. It comes into play when your vehicle is damaged and becomes undrivable. You are going to need a vehicle while your car is getting repaired (which can takes weeks), so you have to spend extra money for a replacement form of transportation (whether it’s a rental, taxis or public transport) in the meantime. OPCF 20 will reimburse you for these costs, and is typically very cheap.

Kingston drives to work, and with OPCF 20, a claim won’t stop you from driving to work too.

OPCF 27

Much like OPCF 20, OPCF 27 is another special change you can add on to your auto policy. With OPCF 27, you get to extend your insurance policy to also cover vehicles you rent. This synergizes well with OPCF 20, and makes it so you don’t have to opt in to rental insurance agreements, saving you money if you are traveling abroad (although some companies exclude certain countries, check with your broker for more details).

The Solid, Limestone City

Despite the relatively high volume of traffic (especially on streets like Princess and Division), Kingston is still a safe city to drive. Far fewer accidents occur in Kingston than other major cities like Ottawa, London, and Toronto. You see this reflected in favorable insurance rates, but you can also take advantage of this trend by purchasing Claims Protection.

Claims Protection Plan

Claims Protection allows you to get into a Car Accident/Make a claim without affecting your driving record (with your current insurance company). This means that you won’t pay extra in future years because you had a claim, which saves you a lot of money since claims can take six years for a claim to fall off your record, and for your policy’s price to drop. This coverage works great in conjunction with Kingston’s low relative risk of accident because you can only purchase claims protection if you have a perfect driving record, which is easier to get in Kingston. And because accidents are infrequent, the chances of you facing a claim where your premiums spike are low to none, making claims protection remarkably efficient for those buying insurance in Kingston.

An Educated City

Education and Kingston go hand in hand, and with the average person in Kingston being in their 40s and such a large student population, you likely have kids who are going through school, or are a student yourself. With that in mind, you need to remember two great ways to save money with academics.

Away at school discount

This can be applied to any policy which has a young driver who is a certain distance (often 100 kms) away from their home address. It dramatically cuts the premium you must pay to keep the student on your policy (you basically only pay for the time the student is at home). Whether you are a parent, or even the student, make sure you have this coverage!

Distinguished Student Discounts

Doing well in school pays, and now it can pay even more with a Distinguished Student Discount. If a student achieves a certain level of academic success, many insurance companies will offer a substantial (5-15%) discount on their auto premium. Check with your broker (or insurance company) to find out if it is available for you.

Kingston is a beautiful city which we are all proud to live in. And now with McDougall Insurance, you can take advantage of our experienced staff who will provide expert coverage tailored for you, right down to your home town. Check out our online quoting tool if you want to become part of our family, and if you aren’t interested you should still review what we discussed with your current broker or company! It can be a great way for you to get the most out of your insurance policy.

No comments found.
Anonymous User

Leave a Reply

Your email address will not be published. Required fields are marked *

You Might Want to Read

Meet the Dougallers: Rebecca Slaughter
Meet the Dougallers is back with Rebecca Slaughter who is part of our new office in Petawawa! We sat her down to find out a...
Welcome Burr Insurance to the Team!
Burr, is it cold in here? Not anymore, we are heating things up with the addition of Burr Insurance to the McDougall Insurance team! Burr...
McDougall Family Fund 2021!
Our McDougall Family Fund is back! Go to our Facebook Page for full details. What is the McDougall Family Fund Contest? This is our 8th...
Request a Free Quote

It’s simple and won’t take long.

Get a Quote800-361-0941

Person standing, looking down at laptop