Cheap auto insurance in Quebec: who to buy from?
The auto insurance market is dense in Quebec. Different players share it: banks (Desjardins, BNC, etc.), insurance companies (TD Assurances, LaPersonnelle, etc.), brokers, etc.
It is common to go through a broker for your auto insurance in Quebec. Based on your needs, it surveys the market (its partners) and offers you at least 3 calibrated insurance offers. Let us quote for example Gaudreau or Assurancia.
Don't forget about online brokers, like Safe for example. These have the advantage of convenience and free. They allow you to compare a wide range of auto contracts in an instant.
When subscribing, a lot of information will be required: you may be asked, for example, for a credit note, your profession, etc.
Once you have chosen your contract, think about regularly surveying the market. Although auto coverage is tacitly renewed each year, you can cancel it at any time or when it expires. Termination penalties may be charged if the contract is in progress, but the game may be worth the candle if you find cheaper elsewhere for the level of guarantees you expect.
What is the cost of auto insurance in Quebec?
According to the Insurance Bureau of Canada, the average annual cost of auto insurance in Quebec is $ 717. It is, for example, at least twice as high in Ontario.
The price of Quebec auto insurance contracts is determined on the basis of the same elements as those taken into account in France:
The formula and the options purchased: collision and payment, without collision or payment, etc.
The driver's profile (insurance costs more for a young driver because of the additional premium applied),
The driving record (driving history and any demerit points, which more or less amount to the bonus-malus system that we have in France),
The characteristics of the vehicle to be insured,
The type of use: home-work, business trips ... In Quebec, insurers ask for an estimate of the kilometers that will be traveled in the year,
The geographical area,
The type of parking of the vehicle.
Auto insurance is more expensive in Montreal than in Laval or the rest of the province. However, the average auto insurance premium in Quebec is cheaper than in the rest of Canada.
Here are some tips and best practices to reduce your Quebec auto insurance rating:
Commit to doing less than a certain number of kilometers per year (according to insurers),
Increase the deductible (s),
Drive safely ! Almost all insurers give tariff discounts if the driver's history is good,
Remove guarantees that are useless to you,
Bundle your auto insurance and your other contracts (especially home). La Capitale, for example, claims that its customers save on average more than $ 400 per year thanks to this.
Think of electric or hybrid vehicles! Again, many companies apply discounts.
Install anti-theft security systems on your vehicle.
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