Frequently asked questions about auto insurance

Frequently asked questions about auto insurance
How is the price of auto insurance calculated?

Your auto insurance premium is recalculated each time you request an insurance quote, as well as each time you renew.

Each calculation is personalized according to the information in your file, such as:

    where you live,
    the use you make of the vehicle,
    the type of vehicle to be insured,
    your credit report,
    your claims or accidents in recent years,
    etc.

Other external variables are taken into account when calculating auto insurance premiums. These factors include, for example, the cost of parts and labor, or the increase or decrease in the number of auto insurance claims in the province.

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How to save on your auto insurance?

    Check that your protections are suited to your needs. Ask your damage insurance agent for advice: he's there for you!
    Notify your insurer if you use your car less. Your auto insurance premium could drop if you drive fewer miles.
    Consolidate your auto and home insurance in one place. That way, you might be eligible for a discount.
    Mention that you are part of a recognized association when requesting an auto insurance quote. You could take advantage of discounts exclusive to members on your insurance!
    Drive safely. Your good driving record may entitle you to a discount on your auto insurance.
    Drive an electric or hybrid car. Several insurers offer an additional premium discount to drivers of ecological vehicles.

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Why does the price of auto insurance go up after a claim?

Statistics have shown that a person who has made an auto insurance claim is more likely to have a new one in the years that follow. When submitting or renewing auto insurance, insurers therefore check the number of automobile accidents entered in your file in the Central Automobile Sinister Registry (FCSA) in order to determine your level of risk. The more accidents you have on your record, the greater the risk of having another one and the more your insurance premium will increase.

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Why is your auto insurer asking for access to your credit information?

Equity is one of the key principles of insurance. In other words, the premium to be paid varies according to the risk to be insured. Your credit information is one of the factors that are taken into account in determining this risk and determining your auto insurance premium.

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How do I make an auto insurance claim?

Need to make an auto insurance claim following a collision, fire, theft or vandalism?

Please do not hesitate to contact us, even if you are not sure that your situation requires you to make an insurance claim. We are here to reassure you, help you assess your situation and support you throughout the claims process.

In the event of glass breakage, you do not need to contact us. Go to an accredited glazier, who will send us the required information.

Consult our advice and useful information to settle your case as quickly as possible.