Auto Insurance Kitchener

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Kitchener Car Insurance Quote

What is required by law?

Mandatory Auto Insurance in Kitchener

In Kitchener, you are required to have an auto insurance policy if you drive. Fines for not having valid insurance in Kitchener can be up to $5,000 and they stay on your record for 3 years. This will make getting insurance very difficult. The following coverages are mandatory:

Tips to keep your Car insurance Rates low

Kitchener Auto Insurance

cheapest auto insurance quotes

Driving along the Conestoga Parkway can sometimes feel like the 401 highway all over again. It makes you want to give up on wherever you are going!

Kitchener auto insurance rates as it would decrease the car density resulting in a lower overall claims ratio.

Although there is little to be done about the Kitchener traffic jams, there is a lot that can be done wen it comes to securing yourself in case of an accident on one of these busy roads! 

Rear-ended Someone?

Although there is little to be done about the Kitchener traffic jams, there is a lot that can be done when it comes to securing yourself in case of an accident on one of these busy roads! 

Did you know that if you hit someone from behind in a traffic jam, it is almost always at-fault for you? Why do we bring this up? Well, as Kitchener is becoming more congested, we are starting to notice more “multi-vehicle collisions”. If you are stuck in the middle of these and are hit from the back making you collide with the person in front, you will likely now have an at-fault accident on your insurance record. If you do not have accident forgiveness on your policy, you may see your renewal premium jump by up to 150%.Thats the last thing you would want because you are rated for that accident for 6 long years! 

Accident Forgiveness

The most important coverage to have is accident forgiveness. For a majority of auto insurance companies, you need to have a clean record for 6 years to be eligible for the coverage. Some companies offer it regardless of years insured in Canada. 

The best way to get a good insurance premium in Kitchener and include all possible coverages that you can get is to speak to an insurance professional and shop all the insurance companies in Ontario.

Top Reasons

Why Your Kitchener Auto Insurance is High

There are many factors which affect your auto insurance rate, but these three have the largest impact.



Your address is the biggest factor that will affect your car insurance in Kitchener. Luckily, Kitchener insurance rates are very good.



If you have an at-fault collision on your record, expect your auto insurance rate to be high. At-fault accidents are rated for six years. 



Your vehicle will have an impact on your auto insurance rates. New, Luxury vehicles may cost more to repair which can increase insurance premiums. 

How to Save on Kitchener Auto Insurance

Kitchener auto insurance rates are rising every year. Now more than ever is a great time to shop around! 

Below you will find three more ways on how you can save some money on your Kitchener car insurance.

Compare Kitchener auto insurance Rates and save!

whether you are adding a vehicle to an existing policy or would like to simply review your renewal, it will be the quickest quote you do! Shop and save on your auto insurance today! 

Lets lower that price.

Auto Insurance Discounts and Tips!

Home to Conestoga College, Kitchener is the fourth largest city (population) with over 470,000 people! That’s a lot of cars!

Here are a few more discounts to reduce your auto insurance rates even more:

  1. Winter tire discount
  2. Pleasure usage 
  3. Multi-vehicle discount
  4. Home + auto discount
  5. Drivers training discount
  6. Telematics enrolment discount 

Along with all those discounts, here are a few tips to help your auto insurance rate:

  • Collision and comprehensive coverage are not mandatory in Ontario. If you have an older car, consider insuring it just one-way.
  • Increase your deductible. If you are confident in your driving, perhaps you should consider increasing your deductible as that will decrease your insurance rate.
  • You should always bundle auto insurance with your Kitchener home insurance policy. Don’t own a home? No problem. If you are currently renting, you can purchase a tenant insurance policy which will qualify you for the bundle discount.

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