Car insurance

Get great coverage for anything that rolls!

You rely on your car for work, leisure, shopping and just getting to your destination. You invest money and time to keep it safe and in good working order. Your car is an important investment on many levels, and that's why it's so important to choose the best protection against damage, losses and liability.

For car insurance in Quebec, in Montreal, Thetford MinesAssur360 has you covered. We'll review your specific needs and budget, compare automobile insurance plans and we'll suggest the policy that's right for you.

The clauses of most car insurance contracts in Quebec are very similar. The wording of the policy is standard, but each insurer assembles its contract in its own way.

Choosing the best car insurance

It's advisable not to select a policy on the basis of premium alone. Cheaper doesn't mean a better deal. According to Jean BoissonneaultCEO of Assur360, people may be more concerned about paying a low premium, and neglect protection. This is something they may come to regret in the event of a claim. Young drivers in particular may opt for a higher deductible to insure a new vehicle, but in the event of an accident this can have a negative impact on their finances.

For its part Cindy Gagnévice-president of personal lines for the same company, points out that very often policyholders decide not to maintain the replacement cost premium. Unfortunately, if a automobile insurance claim In the event of total loss, the insured will lose his vehicle. And even if the vehicle can be reconditioned, used parts are often used.

Warranty comparison

Before taking out a vehicle insurance policyIn the case of a policyholder, it's important to find out about the coverage offered by each insurer, as well as any exclusions.

It's vital to find out everything you need to know about your coverage, including details such as the extent of coverage in the event of an accident with a leased or borrowed vehicle, the possibility of covering leasing costs while the vehicle is being repaired, the need to pay a surcharge when using the vehicle outside Quebec or in the United States, the maximum duration of the replacement value guarantee, the consequences if the vehicle is stored, whether roadside assistance is included in the coverage, and access to legal assistance in the event of a problem. It's important to take your time make a comparison exclusions, additional coverage and endorsements.

Third-party liability coverage

Regardless of the service provider selected, it is essential to find out about the liability coverage. The latter is activated when the insured is responsible for material or physical damage caused involuntarily to others. It is included in both car and home insurance.

The amount generally applied in Quebec is 1 or 2 million dollars, which sufficiently covers the damage for which the insured is responsible, as well as defending him or her if necessary. Outside Quebec, however, this amount may not be sufficient, particularly in the United States, where lawsuits can reach much higher levels. The exchange rate, which favors the U.S. dollar, should also not be overlooked, as this can reduce the insured's actual coverage. And since says Assur360A million Canadian dollars is no longer worth a million dollars on American soil. It is advisable to discuss your needs with a broker to avoid any worries.

The additional premium used to increase coverage turns out to be less significant than you might think. In fact, it's usually enough to pay $10 or $20 for up to a million dollars in additional coverage. A derisory amount to gain peace of mind.

The two insurance experts point out that the value of liability insurance becomes higher when a well-known figure is involved. People who are popular or famous need to increase their liability insurance, as the sums involved can be higher.

Damage to your car is always possible

There are several factors to consider when selecting the right car insurance. These include the deductibles, the third-party liabilityand exclusions.
It's not just the premium to be paid that's important, as the impact of a claim on a person's finances must also be taken into account. It is therefore important to contact an advisor who can help the insured to think about potential losses and their impact for optimum protection.

It's also a good idea to contact an insurer who offers a clear and informative insurance policy, so you can better understand the cover offered and, above all, avoid unpleasant surprises in the event of a claim. Make an simulate insurance for your car now.

Don't insure your car alone, Assur360 can help you

These days, it's easier than ever to go online and quickly take out an insurance policy. car insurancewithout the help of a broker. But going through a broker gives you something you can't buy anywhere else: peace of mind. Our brokerswith offices in Quebec, we'll take the time to get to know you, so we can find affordable car insurance that fits your life. You'll leave with a policy that's right for you. Nothing you don't need and everything you do.

Not necessarily. A lower rate could mean less coverage for you and your car. So it's important to make sure that coverages, limits and deductibles match when comparing auto insurance rates.

Although the car insurance companies take similar factors into account when determining rates, each company has its own method of calculation. This can lead to rate differences between insurers. That's why it's useful to compare car insurance rates from different companies to find the best price.

To use our compare car insurance quotesIt is useful to know your vehicle identification number (VIN), as well as your history of tickets and accidents, in order to obtain a quote.

In simple terms, if you're a motorist in Quebec, you're required to have a car insurance, and failure to do so may result in a substantial fine.

But that's not all. Anyone who drives without valid car insurance can be considered a high-risk driver, which can result in higher car insurance premiums from car insurance companies or, in some cases, a total refusal of thevehicle insurance in the future. If an uninsured driver is involved in a collision and is found responsible for an accident resulting in injury or death, he or she may be held personally liable for the injured person's medical expenses and other losses.

The most basic type of car insurance is third-party liability coverage. Third-party liability coverage protects you, the policyholder, against the following payment of damages you cause to someone else's property. It also covers you if another person is killed or injured in a car accident for which you are responsible. Minimum coverage varies by province, but it must at least cover the medical expenses of anyone injured in an accident. Third-party liability insurance is mandatory in Quebec.

The second type of car insurance is collision coverage. Collision coverage also covers you if you hit something other than a car, such as an embankment or guardrail. It's quite common for this policy to also cover you if you're involved in a accident with a motorist which is not insured. This broader level of coverage generally costs more than third-party liability.