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You rely on your car for work, play, errands, 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, loss, and liability.
For car insurance in Quebec, Montreal, Thetford Mines, Trois-Rivières… Assur360 has you covered. We’ll look at your specific needs and budget, compare car insurance plans , and suggest the right policy for your situation.
There is a great similarity in the clauses of the majority of car insurance contracts in Quebec. The drafting of the policy is standard, but each insurer puts together its contract in its own way.
Choosing the best car insurance
It is recommended that you do not select a policy based on the insurance premium alone. Cheaper does not mean getting a good deal. According to Jean Boissonneault, CEO of Assur360, people may be more concerned about paying a low premium, and neglect coverage. This may be regretted in the event of a claim. Young drivers in particular can 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 her part, Cindy Gagné, vice-president of personal insurance at the same company, points out that very often policyholders decide not to maintain the replacement cost premium. Unfortunately, if a car insurance claim occurs resulting in a total loss, the insured will lose his vehicle. And even if the vehicle can be repaired, most often used parts are used.
Comparison of the guarantees offered
Before purchasing a vehicle insurance policy, an insured should find out about the coverage offered by each insurer, as well as the exclusions.
It is essential to find out about the protection with all the details relating to the degree of coverage in the event of an accident with a rented or borrowed vehicle, the possibility of covering the rental costs during repairs, the need to pay an additional premium when using the vehicle outside Quebec or in the United States, the maximum duration of the replacement cost warranty, the consequences if the vehicle is stored, the inclusion of roadside assistance in the protection and access to legal assistance in the event of a problem. It is important to take your time to compare exclusions, additional coverages and endorsements.
Civil liability protection
Regardless of the service provider selected, it is essential to find out about the coverage of the civil liability cover. The latter is activated when the insured is responsible for material or physical damage caused to others involuntarily. It is included in car insurance but also in home insurance.
The amount generally applied in Quebec is $1 million or $2 million, which sufficiently covers the damage for which the insured has been responsible in addition to defending himself if necessary. That said, outside of Quebec, this amount may be insufficient, especially in the United States where the amount of prosecution can reach much higher levels. The exchange rate should not be neglected, which is in favour of the U.S. dollar, which can reduce the insured’s real protection. And as Assur360 points out, a million Canadian dollars is no longer worth a million dollars on American soil. It is recommended that you discuss your needs with a broker in order to prevent any problems.
The additional premium used to increase coverage is less important than you might think. In fact, it is usually enough to pay $10 or $20 in exchange for an additional coverage of $1 million. A derisory amount to gain peace of mind.
The two insurance experts point out that the value of liability insurance becomes higher when it comes to a well-known figure. Popular or famous people should increase their liability insurance, as the amounts of lawsuits can be higher.
A claim can always happen to your car
There are several things to consider when selecting the right car insurance. These include deductibles, liability, endorsements, and exclusions.
You shouldn’t just think about the premium to be paid, because you have to take into account the impact of a loss on the person’s finances. It is therefore important to contact an advisor who can help the insured think about potential losses and their impact in order to take out optimal protection.
It is also advisable to contact an insurer who presents a clear and informative insurance policy to better assimilate the guarantees offered and above all to avoid unpleasant surprises, in the event of a claim. Do an insurance simulation for your car now.
Don’t insure your car alone, Assur360 can help you
Nowadays, it’s easier than ever to go online and get car insurance quickly, without the help of a broker. But going through a broker gives you something you can’t buy anywhere else: peace of mind. Our brokers, who have offices in Quebec, will take the time to get to know you in order to find affordable car insurance that suits your life. You’ll leave with a policy that’s right for you. Nothing you don’t need and everything that’s useful.
Not necessarily. A lower rate could mean less coverage for you and your car. So, it’s important to make sure coverages, limits, and deductibles match when comparing car insurance rates.
Although car insurance companies take into account similar factors when determining rates, each company has its own method of calculation. This can lead to differences in rates between insurers. That’s why it’s worth comparing car insurance rates from different companies to find the best price.
To use our car insurance quote comparison tool, you must first get a quote from Assur360. It’s helpful to know your Vehicle Identification Number (VIN), as well as your ticket and accident history to get a quote
Simply put, if you’re a motorist in Quebec, you’re required to have auto insurance, and failure to get it can result in a significant fine.
But that’s not all. Anyone who drives without valid car insurance can be considered a risky driver, which can lead to car insurance premiums from car insurance companies increasing or in some cases, being denied vehicle insurance altogether in the future. If an uninsured driver is involved in a collision and is found to be at fault for an accident that resulted in injury or death, they may be held personally liable for the injured person’s medical expenses and other losses.
The most basic type of car insurance is civil liability coverage. Liability coverage protects you, the policyholder, from paying for damage you cause to someone’s property. It also protects you if another person is killed or injured as a result of a car accident for which you are at fault. The minimum coverage varies by province, but it must at least cover the medical expenses of anyone injured in an accident. Civil 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 a guardrail. It is quite common for this policy to also protect you if you are involved in an accident with a motorist who is not insured. This broader level of coverage typically costs more than liability
Our car insurance comparison tool allows you to quickly compare the offers on the market, with the expertise of a broker who advises you and finds you the ideal solution according to your needs.
FAQ
Quelle sont mes options pour assurer une voiture de location ?
You have several options for insuring a rental car:
Insurance offered by the car rental company: Electric car rental companies often offer insurance that covers damage to the car or third parties. However, this insurance can be expensive and may not cover all risks.
Personal car insurance: If you have personal car insurance, check to see if it also covers rental vehicles. If so, you might be able to avoid the additional costs of insurance offered by the car rental company.
Credit card: Some credit cards offer car insurance coverage for rental vehicles, but it’s important to check the terms and restrictions associated with this coverage.
Travel insurance: If you have travel insurance, check to see if it includes car insurance coverage for rental vehicles. It is important to check the terms and conditions of each car insurance option before choosing the one that best suits your needs.
Comment un courtier d’assurance ou agent d’assurance peut vous aider lors de la soumission d’assurance voiture ?
An insurance broker or insurance agent can be like your personal guide through the maze of car insurance policies. Their in-depth knowledge of the market and the different options available can help you find the best coverage that fits your specific needs.
They usually start by assessing your situation, including your driving history, the type of car you own, and your coverage needs. Then, they compare the offers of several insurance companies to present you with suitable options.
They can also explain the terms and conditions of each policy in detail, helping you understand what you’re actually getting. If you have any questions or concerns, they are the ones you can contact. Ultimately, they are there to simplify the process and ensure that you are making an informed decision.
