Compare insurance companies in Kitchener: Always shop around for low cost auto insurance in Kitchener with an online auto insurance company! Instead of blindly renewing with your current insurance provider, take a few minutes and see what other coverage options and rates are available. Rates can change — as can your personal driving situation — and even a small decrease in your monthly premium can result in major savings over the course of your annual premium. 

Lower your kilometres: If possible, try walking, biking, car-pooling, or using public transit to get to work, even if only for one day per week. Lowering the number of kilometres you put on your vehicle each year can result in a reduction to your annual automobile insurance premium. 

Occupation: Holding certain occupations, such as accountants, law enforcement officers, or being retired, can mean that you qualify a lower car insurance rate. Always disclose your occupation to your Dedicated Insurance Assistant and ask if you qualify for any discounts to your annual car insurance premium. 

Ask for higher deductibles: Raising your deductible — the amount the policyholder is responsible for paying before an insurance payout kicks in — is a common way to lower your auto insurance premium. Just make sure that you’re in a position to comfortably afford the higher initial payment in the event of a claim. 

At Surex, our three-step process will ensure that you end up with the best car insurance in Kitchener. Here’s how it works:

• Personalized auto insurance quote: Surex will capture some of your basic information — either by phone or online — and then shop the market for you. In under ten minutes, you’ll have up to ten personalized insurance quotes from the top rated car insurance companies in Ontario.
• Customize your offers: Once you receive the initial automobile insurance quote, you can edit your information and compare quotes to find the best overall value.
• Purchase and manage 24/7: Once you’ve selected an online car insurance quote & reviewed the insurance policy with your insurance broker, you can electronically sign your Ontario automobile insurance documents to receive an instant proof of insurance. If you’d rather speak with someone we will connect you with the best insurance broker who can walk you through all the options and answer any questions you might have. Once finished, your documents will arrive in the mail and you can manage your insurance policy 24/7 with our ‘My Surex’ login feature.

Be highway savvy: The ‘Tri-Cities’ of Kitchener, Waterloo, and Cambridge are situated in one of the province’s most densely populated areas and are surrounded by no fewer than five major highways, including Highway 401, Highway 7, Highway 8, Highway 85, and Highway 24. Whether you’re passing through or you’re a local driver, always pay extra attention — and leave yourself extra time — when using one of the region’s busy throughways. 

Using roundabouts: Beginning in 2004, Kitchener began introducing roundabouts throughout the city. When approaching an intersection with a roundabout, always yield to oncoming vehicles, and when driving inside the roundabout, never lane-change. 

Know your city: Kitchener and Waterloo may be a part of the same region — and the cities even share some street names— but they are distinct municipalities. To avoid road confusion, drivers should know the city they’re driving in, and which city they’re driving towards. 

Winterize your vehicle: Although technically outside of Ontario’s snow belt, Kitchener still usually gets around four months of wintery weather each year. To ensure you’re safe on the roads in the winter months, make sure you install approved winter tires, keep your gas tank full, use winter-rated windshield washer fluid, carry a snow scraper, and always keep an emergency kit in your vehicle (including non-perishable food items, water, flares, matches, and blankets).