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Finding low-cost car insurance in Quebec
In recent years there has been a revolution in the world of car insurance, several offers are offered and they are all equally attractive from insurance companies. As a result, choosing insurance has become a complicated task, especially when you know that multiple discounts and promotions are offered at a certain time of the year. Being aware of these discounts and promotions could save you several dollars on annual insurance for your car, it also allows you to acquire the right insurance when you are forced to take out or renew your insurance.
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In the world of insurance, we see that there are two people who always come back. These two people are the insurance agent and the insurance broker, for many people it is the same and unique person when it is to be the same thing in truth. The insurance agent works for the insurer, he represents it in a direct way. While a car insurance broker works for you with the goal of finding you the low-cost car insurance that suits your wants and needs. It is advisable to compare and evaluate the offers offered by a broker.
What exactly is a car insurance contract?
In Quebec, there is a standard insurance contract. Most insurance companies offer almost the same insurance contract, the difference between the insurance offered is the optional coverage included in the contract.
The first chapter, called chapter A. This chapter includes compulsory liability insurance, which can be called a basic chapter. Since 1978, anyone who owns a vehicle has been obliged to purchase a liability insurance policy.
This insurance is worth at least $50,000 and covers all damage caused to other people or other types of vehicles. This coverage is also mandatory for motorcycles, but its value is $500,000.
The second chapter, called chapter B. This chapter concerns damage to the insured vehicle, it includes several clauses that are not included in the first chapter. This chapter covers damage to your vehicle, you will be insured against fire, theft, collisions and even windshield cracks. Some insurance companies even reimburse the cost of repairing your car in the event of an accident and travel expenses, these two options must be taken into consideration when making your choice of insurance.
A replacement cost is offered by most insurance companies, this replacement cost exists in two forms: endorsement 43 and replacement insurance. It can be considered as a protection that ensures the replacement of a car that has just suffered a major accident, the purchase price is taken into consideration in this case. Endorsement 43 and replacement insurance are similar to each other, but each offers different benefits. To learn about the advantages and disadvantages of each of them, 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: the type, brand, year, purchase price and cost of spare parts.
- Intended use: use the car for work or commuting only.
- The place of residence: you live in a large city often frequented by accidents or in a country where everything is generally quiet.
- The driver: his age and sex, women and young people have more accidents than a man aged 40.
- History: see if the customer is involved in several accidents, avoid lying to your insurer about it. A database contains all this information.
- the file with the Société de l’assurance automobile du Québec (SAAQ): at the SAAQ you can find the driver’s experience and demerit points.
- Coverage and deductibles chosen: Each coverage you add increases the price of your insurance. The deductible must be paid in the event of an accident. The more it is paid, the more you will pay less.
Most insurers ask the customer to look at their credit score. You are under no obligation to respond to their request. Your credit score shows that you are able to manage your property, paying the factors on time proves that you are serious, and discounts will be offered to you.
What to do if you have trouble finding a low-cost insurer?
If you’ve been involved in a lot of accidents, you have a criminal record, lost your driver’s license, or if you always take a long time to pay your letter carriers. In these cases, you will have problems making your insurance purchase at a low price. Assur360 offers solutions in partnership with Pafco Insurance , a specialist in substandard insurance. After contacting a few car insurance companies without success in the end, you will have the right to get in touch with the Insurance Information Center. You will be helped to find a mandatory minimum coverage. Your last insurer will be required to insure you against liability.
With Assur360 no worries you will find low-cost insurance for your car effortlessly, ask for a quote online or by phone from a certified broker. Our brokers offer you personalized service, you can even talk to the same broker at any time.
* This text contains general information that must be validated with your damage insurance representative.
