Car insurance

INSURANCE FOR AUTONOMOUS CARS

At the moment the automotive industry are based on a number of factors:

• Use of the vehicle;
• The way you ride;
• The places you go;
• The place where your car spends the night;
• Threats such as vandals or thieves.

Insurance for electric and plug-in hybrid vehicles

Assur360 insurers are generally very interested in insuring vehicles. electrical to 100% as well as plug-in hybrids, this market segment is the future in Quebec. Ask for an electric car insurance quote and you'll see why prices are so low.

Autonomous car insurance and the technology of the future

Autonomous car technology is even more reliable than the person driving it. You can be sure that when self-driving cars become available, many of the risks will diminish, as will the price of your car. car insurance. Even now, some car models already offer semi-autonomous options, but for insurers, you're still in the driver's seat. This technology is advancing rapidly, but manufacturers still have some way to go before cars are capable of driving themselves.

A number of obstacles complicate matters, for example when snow partially or totally covers the lines. One estimate claims that 30 % of cars worldwide will be partially or fully automated in less than twenty years' time. This is bound to reduce the number of claims.

The reinsurer also predicts an increase in the severity of claims, due to liability but also because the value of on-board technology is not the same as for a standard vehicle.

As cars make the transition from semi-autonomous to autonomous operation, black boxes will become commonplace in all vehicles.

Automotive manufacturers

You should also be aware that liability coverage will probably be applied more to car manufacturers than to drivers. Old underwriting criteria such as age, number of accidents or experience will be replaced by new ones. These could include the use of reserved or non-reserved routes, vehicle parking, etc.).

One day, perhaps, insurance will disappear altogether, and insurers will concentrate on protecting people, which seems rather utopian for the moment in Quebec.

Car insurance coverage can vary from one company to another. It's best to contact a insurance broker of our office, we can analyze whether your coverage is adequate. Our brokers will be happy to help you or quickly provide you with a quote for your vehicles. Our friendly team is here for you, and our firm offers a service for all its customers that others consider v.i.p. talking to the same broker time after time.

Buying car insurance online is now possible. It's an interesting option, but be aware that you need to have a very good understanding of this financial protection product to make the right decisions and choose the right coverage. That's why it's always best to talk to a broker before finalizing the online purchase of your policy.

New criteria

Buying insurance online is easy, but it's essential to talk to your insurer. your broker to make sure you have the coverage that meets your real needs. Start quoting now to get competitive rates year after year. It only takes a few minutes to answer a handful of simple questions.

Maximizing discounts - A key to low insurance rates

Consumers looking for a quote fromcheap car insurance should remember that insurers offer car insurance discounts for specific coverage features that they believe will reduce risk. These discounts are not universally offered by all insurers, nor are identical discount rates provided from insurer to vehicle insurer. As is the case, you're best served by working with a experienced broker who can find you the best insurance quote available that incorporates all the premium discounts to which you are entitled. Car insurance discounts are generally what make the difference between cheap car insurance and the cheapest car insurance.

Firm expertise

Jean Boissonneaultinsurance broker and President of Assur360, is an expert who is passionate about the issues surrounding car insurance. In his view, this form of insurance is of vital importance in protecting drivers and their property, as well as preserving road safety. Boissonneault emphasizes that the risks associated with driving are many and varied, ranging from road accidents to vehicle theft and damage caused by natural events. He stresses that take out adequate car insurance is not only a legal obligation, but also an act of civic responsibility. However, he also recognizes the challenges facing insurers, such as the rising cost of car repairs and the increasing frequency of claims. Boissonneault therefore encourages drivers to be proactive in managing their car insurance, choosing policies tailored to their specific needs and adopting responsible behavior on the road to reduce risk. In his view, car insurance must constantly evolve to meet the needs of the market. new realities in the automotive worldwhile maintaining its essential role in protecting drivers and their property.

When do I need professional insurance?

If you use your vehicle for work purposes (apart from driving to and from work), you'll need business use cover on your personal motor insurance policy. For example, a real estate agent using their car to show properties would need business use insurance. When discussing the use of your vehicle with your Quebec insurance broker, be as thorough as possible so that he or she can help you review your insurance needs.

Other uses of your vehicle may require commercial auto insurance. Examples of when you'll need commercial vehicle insurance are if you use your vehicle for :

• Transporting materials or tools to your workplace
• Retail or wholesale delivery (e.g. pizza delivery)
• Passenger transport for compensation

What's the cheapest car insurance?

There are so many factors that go into determining the cost of cheap car insurance: your driving history, the type of car you have, your geographical location, and so on. To find the best deal, it's often advisable to compare rates with different insurance companies. Big companies and local companies may have different offers, so don't hesitate to do your homework and shop around. request customized quotes to find the one that best suits your needs and budget.

Cheap car brand:

1. Hyundai
2. Ford
3. Chevrolet
4. Nissan

Not sure if you need commercial or business auto insurance, contact us now?

What is the cancellation period for car insurance?

There's no such thing! You have the freedom to cancel your car insurance contract at any time, and no justification is required.

However, we strongly advise you to opt for cancellation at the end of your contract. This approach allows you to avoid the penalties that are generally applied to cancellations during the term of the contract.

Should a vehicle be insured even if it's not in use?

Absolutely!Your insurance doesn't just cover you in the event of an accident. It also protects you against theft, damage caused by incidents such as fire, hail, flooding or vandalism, among others.

You must take out third-party insurance for your vehicle in order to drive it, even if you're just moving it from one storage location to another.

If your vehicle is stored without being moved for part of the year, you can add a storage endorsement to your contract. This maintains your vehicle's coverage, but your premium is reduced according to the number of days specified for the storage period.