Car insurance

Double contract

Discounts of up to 20% on your auto insurance when you insure both your vehicle and your home with the same insurer with us.

Several vehicles

At Assur360, with our insurers, get up to 15% off if you insure more than one car.

Customer satisfaction

Online doesn't have to mean by yourself. Send an e-mail, chat or call our insurance broker and discover our customer satisfaction rate of 92% and our 24-hour complaints service.

Each customer has the option of take out car insurance with an insurer that focuses solely on rates. But what's the downside? By the way, customers are often disappointed the day they have to make a claim. A risk they can be exposed to at any time, without having someone to help them.

In accordance with Quebec Automobile Insurance Act of 1978In this case, it is necessary to distinguish between victims of bodily injury and those of property damage. Regardless of the driver's liability, legal action can only be taken following a claim involving bodily injury if it takes place outside Quebec. Compensation for victims is guaranteed by the Société d'assurance automobile du Québec, whether or not the incident occurs in the province.

In general, the car insurance contract includes various types of protection. These include civil liability, comprehensive, collision, comprehensive and named perils. It is also possible to purchase additional coverages, such as vehicle rental or loss of use insurance, personal insurance and comprehensive insurance. new value or investment guarantee.

Car insurance rates

Motorists are sometimes surprised by an increase in your insurance premium. There are several reasons for this. Insurance companies take territoriality into account. So for a Montreal resident motoristIf you live in the Eastern Townships, your premium may be higher. Insurers also take into consideration the number of kilometers driven each year to and from the workplace. Driving record is also taken into account, including to benefit from certain protections or discounts. Other factors can influence the insurance premium, such as the age and gender of the driver.

If the insured has a history of numerous claims, it is possible that he could find himself refusing car insurance. In this case, he will have no choice but to turn to sub-standard insurers. Motor insurance rates are complex, as is the insurance world as a whole. But it's worth pointing out that it is characterized by its cyclical nature, so premium increases are not unusual. Whether it's car, home or business insurance, premium revisions can occur at any time, because an insurance company is also a business with a budget, resources and the need to generate income to maintain its activity.

Car insurer

Insurer liquidity also plays a key role in this equation. When there are a lot of claims and/or low investment income, insurers have to rebalance their financial performance. This translates into higher premiums. An insurer must retain sufficient liquidity to cover concurrent claims.

Tips for lowering your car insurance premium

• Installation of an alarm to protect the vehicle;
• Door locks ;
• Increase in deductibles ;
• No claims for glass breakage ;
• Consultation with a damage insurance broker;
• Compare and request a online insurance quote.

To prevent premium increases when you renew your car insuranceIt would be possible to take out a two-year contract with certain insurers.

Useful tips

Here are a few tips to ensure your safety while driving:

• Check that the fuel level is sufficient for the journey;
• Check tires and choose the best ones for the season;
• Keep a first-aid kit in the car, with everything you need for first aid;
• Find out about local weather conditions;
• Schedule rest periods while driving ;
• Bring a blanket, gloves, hat and chocolate;
• Have a flashlight, flares and booster cables in the vehicle. In addition to a sturdy rope and a red flag in case of unforeseen circumstances;
• Bring a shovel and a bag of sand or salt during the winter season;

Vehicle safety

Drivers need to keep in mind the importance of being careful while driving, and being responsible on the road. It's essential for your own safety and that of others. But we also to keep your file to take out insurance at a good price. Precautions include avoiding drunk driving, observing speed limits, avoiding distractions while driving, and obeying road signs. You should also keep a safe distance from other vehicles. Request a simulation price can help reduce your costs, the request for quotation must be taken seriously.

Precautions against rape and vandalism

To avoid theft, it's essential to lock the vehicle's doors and windows when parked in a parking lot or in front of your home. It's best to park in a well-lit area on a busy street. To avoid temptation, valuables should not be left in plain view. It's also a good idea to turn on the alarm system and make sure that its smooth operation. If there are children in the vehicle, make sure they are not left alone. In addition, always stop the car and never leave it running without supervision.

How to compare car insurance quotes

When you compare car quotesIt's important to make sure you get the same value. Often, a policy with a low premium may have a higher deductible or less coverage. To get a true one-to-one comparison, carefully examine the details of each auto insurance policy to understand what it does and does not include. Once you have two policies with identical or very similar coverages, you'll have a comparison costs.

Common car covers

Assur360 offers many coverage options that may be available to give you peace of mind when you're on the road. Personalize your policy for get the coverage that fits your life.

What to put in a survival kit

A first-aid or survival kit should contain first-aid supplies, a blanket, gloves, a hat, chocolate bars, a flashlight, flares, booster cables, a strong rope and a flag or piece of red cloth. In winter, you'll also need a shovel and a bag of sand or salt.

Request a quote now at Assur360! Compare car rates and buy online!

Why use a car insurance calculator?

Most people don't buy car insurance on a regular basis. Some of the items you buy, like groceries or clothing, are things you need all the time. Since you buy them weekly or monthly, you have a good idea of what constitutes a fair price. As an experienced consumer, you don't need to compare prices. to know that you are making a good deal. You're an expert.

But car insurance is different. It's a product you only buy once every few years, and, depending on how long you've owned the same car, maybe even longer than that. Plus, you may not know what kind of coverage you're legally required to have and what extras would be good to have.

When you use your insurance broker's auto insurance calculator, you'll have access to auto insurance quotes from Canada's top auto insurance companies. In just two minutes, you can see side-by-side quotes from multiple insurers to compare rates and coverage.

You could obtain quotes from several insurers yourself, but this is a slow and tedious process. A automobile insurance broker such as Assur360 offers you a free online comparison. What's more, different insurers base their prices on different criteria, which can be confusing. This is where a car insurance calculator comes into its own. Instead of scouring the websites of dozens of different car insurance companies, trying to find prices using multiple parameters, you get all the information you need in one convenient place. It's the best way to make an informed auto insurance decision.

Ultimately, calculating car insurance saves you time and money, two things every consumer needs.

How do you insure a probationary driver?

Insuring a probationary driver requires the following steps:

1. Find an insurer that accepts probationary drivers. Some insurance companies may not offer coverage for this type of driver.
2. Provide information about the driver, including name, age, address and driver's license number.
3. Discuss probationary license conditions with the insurer, including driving restrictions and limitations on driving hours.
4. Select auto insurance coverage that meets the driver's needs and complies with probationary license requirements.
5. Pay regular insurance premiums to keep coverage in force.

It is important to remember that drivers with probationary licenses may be considered more at risk by insurers, which can lead to higher insurance premiums. A driver with a probationary licence will pay similar prices for a new car. electric vehicle. However, by driving safely and responsibly, the driver can demonstrate his or her ability to drive safely, and potentially benefit from more affordable insurance premiums.

What makes of vehicle are the most expensive to insure?

As a general rule luxury cars tend to be more expensive to insure for a number of reasons. These vehicles often have more expensive replacement parts, are more costly to repair in the event of an accident, and may be more likely to attract the attention of thieves.

Insurers also take into account engine power, cost of repairs, safety, frequency of accidents involving that particular model, and other factors to determine the cost of insurance.

However, it's important to note that insurance rates can vary from company to company, and other personal factors such as your driving history and geographical location will also influence the cost of insurance. If you're considering buying a specific car, it may be useful to request auto insurance quotes before making your decision. Here are some less affordable brands:

• BMW
• Infiniti
• Acura
• Genesis
• AUDI

How can you save on your car insurance?

The cost of your car insurance depends on a number of factors. Each of these aspects influences the price of your insurance. If you want to save money, here are a few tips:

• Opt for a small car, a hybrid or electric car is not an insurance savings station.
• Install an anti-theft device.
• Adopt good driving habits and take care on the road.
• Consider increasing your deductibles.
• Ask yourself whether it makes sense to maintain comprehensive coverage based on the age and value of your vehicle.
• Make sure that any additional protection (endorsements) included in your contract are really necessary.

Check with your insurer your vehicle usage information is up to date (for example, if you now work from home and use your car less frequently).

What happens if I don't have car insurance and have an accident?

No matter where you live in Canada, auto insurance is mandatory if you drive a vehicle. If you drive in Canada without insurance, you risk being heavily fined, losing your license or facing criminal charges.

If you're involved in an accident and don't have insurance, you're personally responsible for paying for injuries and damage to other vehicles. Not to mention the cost of repairing or replacing your own vehicle.

If you leave the scene of an accident, known as a "hit-and-run", you can be charged under the Criminal Code. criminal code and receive a prison sentence. Any conviction will appear on your driving record, making it very difficult and costly to find a car insurance company to cover you in the future.

Car insurance is there to protect you in the event of an accident, theft, personal injury or damage to your vehicle. Not having the right coverage can be disastrous. Make sure you understand your insurance policy and talk to your insurance broker if you have any questions or concerns.