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Why a car insurance broker?

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INSURANCE AGENTS AND BROKERS

Drivers in Quebec have many options for purchasing car insurance. Online car insurance aggregators are websites that provide leads online. These sites are not allowed to sell insurance directly to you. They sell your information to an insurance company, agent or broker. Direct insurance companies and banks offer single-choice options. They can operate from a website, a call centre, or local offices through insurance agents. So why use an insurance broker? Property and casualty insurance brokers are the only licensed option that works exclusively for clients.


Although insurance agents are licensed, they are not independent. They work for a single insurance company and can only offer the products and prices offered by that company. So, if your situation changes, for example if you receive an additional speeding ticket or if you have a new claim, you may no longer be eligible with this company and the agent will not be able to help you. Think of it like a direct insurance company or a bank that wants customers who fit into a small, defined box, and their agents can’t help you if you don’t fit into that box.

An insurance broker acts as an intermediary between insurance providers and you. Their raison d’être is to help you get the right insurance at the best price. They work for customers and are not employees of car insurance companies. This in itself is reason enough to use home insurance brokers for all your home insurance needs. Let’s also address other issues related to insurance brokers.

Simple car insurance comparison
WHY USE AN INSURANCE BROKER? “`

Simply put, insurance brokers work for you, not the insurance company. They scour the market to find you the lowest car insurance premiums, without sacrificing your insurance coverage. Whether it’s better coverage or lower premiums, you’ll save money and have the coverage you need. The classic logic is that if someone can save you money, that’s reason enough. But, if you’re not convinced, there are other reasons to use insurance brokers.

WHAT IS A PROPERTY AND CASUALTY INSURANCE BROKER? “`

Insurance brokers are intermediaries who deal with many different insurance companies. Since they have access to many insurers, they can provide you with many options. These options allow you to get the best plan at the best price. Think of it as follows: depending on your age, where you live, your needs, and many other factors, each insurance company has a different way of calculating their rates. Instead of having to contact each of them, an insurance broker checks them all and offers you the best option for you.

What’s the average car insurance price in Quebec?
Annual auto insurance premiums in Quebec range widely: $650 to $1,200 for experienced drivers with basic liability, and $950 to $1,800 for full coverage. Young drivers pay more: $1,500 to $3,500+. Final pricing depends on driving record, vehicle, age, mileage and postal code. These are indicative — only a personalized quote reflects your situation.
How can I lower my car insurance premium?
The most effective levers: compare 9+ insurers via a comparator like Assur360, bundle auto + home (10-20% discount), raise your deductible to $1,000 (10-15% premium drop), maintain a clean driving record for 3-6 years, choose an anti-theft-equipped vehicle, pay annually (2-5% savings vs monthly).
What car insurance discounts are common in Quebec?
Main discounts: multi-line (auto + home), multi-vehicle, good driver (0 claims in 6 years), low mileage (under 15,000 km/year), anti-theft device, annual payment, telematics program (smart driving box). Combined savings can reach 25-40% for a favourable profile.
How does the SAAQ interact with private auto insurance in Quebec?
In Quebec, the SAAQ covers bodily injury (injuries, death) for all residents regardless of fault. Private auto insurance covers: 1) Physical damage to your vehicle (collision, theft, vandalism). 2) Civil liability for damage caused to others (vehicles, property). Both regimes are complementary.
How to get an auto quote via Assur360?
Fill out the 3-minute online form. An AMF-certified partner brokerage firm compares insurers and contacts you within 24-48 business hours with a personalized quote. The service is free and no obligation — you keep full control.
How long does a claim take to process?
Once the claim is filed, your partner broker opens the file with the insurer within 24 to 48 hours. A claims adjuster is assigned within 2-5 business days. Full settlement depends on complexity: 15 to 30 days for a simple claim (broken glass, minor theft), 2 to 6 months for a major claim (fire, significant water damage). You’re supported at every step.

Need a quote? Get your car quote online — Free, fast and without obligation with Assur360.

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