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Find low cost car insurance in Quebec

In recent years, there has been a revolution in the world of car insurance, with insurance companies offering a wide range of equally attractive products. As a result, choosing an insurance policy has become a complicated task, especially when you know that multiple discounts and promotions are offered at certain times of the year. Being aware of these discounts and promotions could save you several dollars on an insurance policy. annual car insurance, It also allows you to acquire the right insurance when you need to renew your coverage.

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In the world of insurance, there are two people who always come back. These two people are the agent and the broker. insuranceFor many people, it's the same person, when in fact it's the same thing. An insurance agent works for the insurer, representing it directly. Whereas an car insurance broker works for you to find the low-cost car insurance that suits your needs and desires. It's a good idea to compare and evaluate the offers provided by a broker.

What exactly is a car insurance contract?

In Quebec, there is a standard insurance contract. Most insurers offer almost the same insurance contract, the difference being the optional coverages included in the contract.

The first chapter, called Chapter A. This chapter covers compulsory liability insurance, and can be referred to as the basic chapter. Since 1978, anyone owning a vehicle has been obliged to take out a liability insurance policy.

This insurance is worth at least 50,000 $, and covers all damage caused to other people or other types of vehicle. This protection is also compulsory for motorcycles, but its value is 500,000 $.

The second section, called Section B. This chapter covers damage to the insured vehicle, and includes several clauses not included in the first chapter. You'll be insured against fire, theft, collision and even cracked windscreens. Some insurances even reimburse the cost of repairing your car in the event of an accident, as well as travel expenses. These two options should be taken into consideration when making your choice of insurance.

Most insurance companies offer replacement value in two forms: endorsement 43 and replacement insurance. Replacement cost insurance can be thought of as coverage for the replacement of a car that has just been involved in a major accident, where the purchase price is taken into consideration. Endorsement 43 and replacement insurance are similar, but each offers different advantages. To find out about the advantages and disadvantages of each, we invite you to click on Groupement des assureurs automobiles (GAA) or consult your car insurance broker.

Points to consider when choosing low-cost car insurance

• The car: type, make, year, purchase price and cost of spare parts.
•  intended use: using the car for work or daily commuting only.
• where you live: whether you live in a big city with lots of accidents, or in a country where it's generally quiet.
• the driver: age and gender. Women and young people have more accidents than a 40-year-old man.
• history: see if the customer has been involved in several accidents, and avoid lying to your insurer about this. A database contains all this information.
• the file at the Société de l'assurance automobile du Québec (SAAQ): the SAAQ keeps track of the driver's experience and demerit points.
• the coverage and deductibles you choose: each added coverage increases the price of your insurance. The deductible must be paid in the event of an accident. The more you pay, the less you pay.

Most insurers ask customers to check their credit rating. You are under no obligation to comply with this request. Your credit rating shows you're capable of managing your assets, paying factors on time proves you're serious, and discounts will be offered.

What to do if you have difficulty finding a low-cost insurer?

If you've been involved in a number of accidents, you're in good hands. criminal recordIf you've lost your car, lost your driver's license or are always slow to pay your letter carrier. In these cases, you'll have problems making your low-cost insurance purchase. Assur360 offers solutions in partnership with Pafco assurance, a specialist in sub-standard insurance. After contacting a few automobile insurance firm without success in the end, you will be entitled to contact the Insurance Information Centre. We'll help you find the minimum coverage you need. Your last insurer will be obliged to insure you for liability.

With Assur360, you won't have to worry about low cost car insurance effortlessly, request a quote online or by phone from a certified broker. Our brokers offer personalized service, so you can talk to the same broker at any time.

* This text contains general information that must be validated with your sales representative. property and casualty insurance.

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On average, our brokers have over ten years' experience in the insurance industry.

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