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CHANGING CAR INSURANCE AND SEASON
Have you checked to see if your car insurance is the most advantageous on the market?
A change of season is the best time to check if you are still paying the best rate for your car insurance. Take advantage of the arrival of spring to see if you can save on your car insurance.
You know a lot can happen in a season. During the changing seasons, car insurance premiums can also change and more significantly than you might think. During a season, several events can have an impact on the price of your car insurance:
- Maturity; The best time to check if you can pay less is when your car insurance comes to an end.
- Moving; Where you live has an impact on the cost of premiums, so moving is the perfect opportunity to compare the proposals of several insurers.
- New car; Whether new or used, the vehicle we drive has an impact on car insurance premiums. Models that cost more to repair or are susceptible to theft are more expensive to insure. We need to think about car insurance before shopping for a new car.
- Marriage; It is likely that the insurer that offered the best price for individual insurance will no longer be able to offer the best rate for car insurance for a couple. We must therefore check all the insurers’ offers to benefit from the best price.
- Retirement or change of job; When we change our travel habits, so can our insurance. Where we go and how much time we spend on the road have an effect on our car insurance.
- Fault or contravention accident ; Both of these situations overwhelm even the best drivers. It is certain that the price will increase accordingly, but you should not be discouraged because some insurers are more understanding than others with drivers who have a driving record that includes a few mistakes.
- New driver in the family; Be aware that some insurers are more lenient than others with new drivers. It is worth checking which insurer can offer us the best insurance offer.
Informing your auto insurer could have benefits
Insurers, including Intact , calculate premiums based on a number of different factors, including the make, model and year of the vehicle you drive.
Additionally, insurance companies consider a lot of details when determining premiums for different cars, including:
- Claims history with this vehicle
- Average repair costs
- Security Clearances
- Theft Rate
- Power
Shop for better insurance
Now that the change of season is official, it’s time to check if it would be advantageous to change insurers as well to allow you to pay less!
Frequently asked questions
How much does car insurance cost in Quebec in 2026?
The average cost of car insurance in Quebec is between $600 and $2,000 per year. The price depends on your age, driving experience, type of vehicle, location and coverage chosen. Get your free quote in minutes.
Quelles sont les protections d'assurance auto recommandées au Québec ?
In addition to the mandatory civil liability, it is recommended to add collision, complete perils (theft, vandalism, bad weather), replacement cost (recent vehicle), roadside assistance and the FAQ 43a endorsement for uninsured damage.
How to reduce the cost of your car insurance in Quebec?
To pay less: compare at least 3 quotes, bundle car + home, increase the deductible, maintain a good driving record, and ask for available discounts (lock, winter tires, low mileage). A broker can trade for you.