Kitchener Auto Insurance
Kitchener Car Insurance
We are here to help you find the insurance you need. We know how easy it is to get overwhelmed by all the options available to you—and how important it is to protect yourself, your passengers, and your car from accidents and collisions. That’s why we are here.
- Protect Yourself Against Legal Liability for At Fault Accidents
- Accident Forgiveness and Rental Vehicle Coverage Options
- Full Replacement Cost Coverage Available for New Vehicle
- Customizable Auto Insurance Policies for Older and Newer Vehicles
Call us now to speak directly with an Insurance Specialist about Kitchener Auto Insurance or complete a no-pressure no-obligation quote request form.
Protect What Matters on the Road in Kitchener
Kitchener has many high-density transport routes, and it’s no surprise why drivers in this region are looking for the cheapest rates on auto insurance. If you’re in this situation, you’ve come to the right place because here at Leibel Insurance, we always provide our clients with the best rates and exceptional coverage.
Kitchener is a growing community, and several highways surround the city. As you get closer to downtown Kitchener, streets become very congested due to narrow roads close to the centre of town.
Car Insurance Made Easy in Kitchener
We have served clients in Kitchener for a long time and are always ready to help drivers secure a great car insurance rate. We will do all the work for you and provide you with quotes from our top-rated insurance brokerage. According to the Ontario Highway Traffic Act, all drivers in Ontario must have auto insurance. You cannot drive your car until you’ve purchased a policy from an insurance company.
What is Mandatory Auto Insurance Coverage in Kitchener?
The following car insurance coverages are mandatory by law and are required in your Kitchener Auto insurance Policy:
Third-Party Liability Coverage
Third-Party Liability Coverage will help cover any damages caused to others (physical or property damages) as a result of an accident in which you are found at fault.
Accident Benefits
Accident Benefits cover any damages passengers sustain when involved in an accident while in your vehicle. This can include treatments for injuries sustained or any income loss as a result of work loss due to the accident.
Direct Compensation
Direct compensation would help if your car were to be damaged in an accident where you are not at fault, and this can help cover any repairs needed to fix or replace the vehicle.
Uninsured automobile coverage
Uninsured automobile coverage would protect you and your passengers in the event of an accident with a driver who is at fault and does not have insurance to pay for the damage caused to you and your passengers.
Auto insurance in Kitchener has a mandatory set minimum coverage limit.
In addition to the minimum coverage requirements, it’s also important to note that you can’t just buy the minimum protection. You must buy the protection that’s required by law. That means $200,000 in third-party liability, which covers damage to other people or property in an accident that isn’t your fault. While $200,000 is the minimum, it certainly isn’t enough to provide the appropriate level of coverage, especially if you multiple people are injured or the collision is a fatality.
What is Optional Auto Insurance Coverage in Kitchener?
These optional Auto Insurance coverage options can be added to your insurance policy to give you some added protection from other circumstances:
It’s also important to note that your vehicle can become damaged by other risks, such as theft, fire, bad weather conditions, and vandalism. Comprehensive coverage would protect you in any of these situations.
Accident forgiveness would provide you with a second chance if you are involved in your first at-fault accident, so you would be able to maintain your good driving record and your insurance rates will not go up.
Get Better Rates and Coverage with a Kitchener Insurance Broker
As with other cities in Ontario, Kitchener drivers can purchase auto insurance from a broker or directly from an insurance company.
- Brokers also tend to better understand what type of coverage you need and will help you choose the right policy for your needs, rather than simply pushing their own product.
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Brokers are usually cheaper than insurance companies because they have access to multiple insurance companies and can negotiate lower rates.
Factors That Influence Car Insurance Premiums
Car Insurance companies consider many factors when determining your rate for basic and optional coverage.
There are many factors that insurance companies consider when determining your rate. Some of these factors include:
- Age: the younger you are, the more expensive it is to insure your car, making you more likely to be involved in an accident.
- Gender: men tend to have more accidents than women, so their premiums are higher.
- Driving Experience & Record: how long you have been driving and having a clean driving record will save you money on your auto insurance policy.
How to Save on Car Insurance
Most insurance companies provide discounts for drivers who maintain a good driving record and drivers who own a vehicle that is bundled with the same company that insures their home. There are some things that your insurance company will reward you for as a driver, and others you’ll have to work on. Insurance companies give discounts to drivers who:
- Maintain a good driving record (no accidents or tickets)
- Insure a vehicle with the same company as their home and life insurance policies.
Boost Your Savings with Safety Features
Some companies offer discounts to drivers who’ve taken defensive driving courses or installed an anti-theft device. You may have heard of these discounts, but what are they? Let us explain. Some insurers offer discounts to drivers who have taken defensive driving classes or installed an anti-theft device — like an aftermarket car alarm or immobilizer. If you haven’t received your first quote yet, here’s how to ensure that you’re giving yourself the best chance at getting a good rate: Be sure to mention any safety features already installed in your car when submitting a quote request. This is especially important if you drive one of the safest vehicles on the road—because it could save you money!
Take Steps Now to Save on Your Auto Insurance
Insurance companies typically provide discounts where the benefits will accrue to them in the long term. For example, if you’re taking a winter driving course, you’ll likely be involved in fewer accidents during the winter months, which translates into cost savings for the insurance company.
- Understand the available discounts.
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Look into driver’s education courses or defensive driving courses, as these will also help your driving record and may result in an auto insurance discount or lower rates.
- Consider installing anti-theft devices such as a car alarm system or immobilizer on your car, as this could reduce theft-related claims by 50%.
Kitchener Auto Insurance Experts
Comparing the market is the best way to find the right auto insurance company, and we make this process easy. If you are looking for the cheapest car insurance prices in the Kitchener area, contact us to speak with one of our specialists. You can also request a car insurance quote directly through our site!
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