AUTOMOTIVE
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AMF Brokers. Best car prices in Quebec compared for you.
An auto insurance broker in Quebec is a professional certified by the Autorité des marchés financiers (AMF) who acts as an independent intermediary between you and several insurance companies. Unlike a captive agent linked to a single insurer, the broker compares the offers of dozens of insurers to find you the best coverage at the best price. Assur360 brings together a network of 13 AMF brokerage firms in Quebec and compares more than 25 insurers in a few minutes.
COURTIER ASSURANCE AUTO
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Obtenir ma soumission autoCar insurance broker: definition and role
A damage insurance broker is an independent professional, certified by the AMF, who represents the consumer and not the insurer. His mandate is simple: find the policy that meets your real needs at the best rate, among several companies. Unlike a captive agent (linked to a single insurer such as Desjardins or Intact), a broker has a fiduciary duty to you and must act in your best interests. In Quebec, all brokers must hold a licence issued by the AMF and comply with the code of ethics of the Chambre de l’assurance de dommages (ChAD).
Why use a car insurance broker?
Le marché de l’assurance automobile au Québec compte plus de 25 assureurs privés, chacun avec ses propres grilles tarifaires, rabais et exclusions. Un courtier vous évite de faire 25 appels en comparant pour vous les offres pertinentes à votre profil. Selon le Bureau d’assurance du Canada (BAC), les conducteurs québécois qui magasinent leur assurance économisent en moyenne 15 à 25 % sur leur prime annuelle.
Objective comparison
Your broker compares 10 to 30 insurers simultaneously depending on your driver, vehicle and record profile.
Bonus negotiation
Access to exclusive fee schedules and multi-product discounts (car + home) negotiated by the broker.
Your advocate
In the event of a claim, the broker defends your interests with the insurer, not the other way around as a captive agent.
Personalized service
Complete analysis of your needs: mileage, usage, history, family situation and budget.
Free service
The broker is paid by the insurers in the form of a commission, never by you. 100% free quote.
Certification AMF
All our brokers are AMF certified and members of the ChAD, guaranteeing expertise and ethics.
Broker vs. direct insurer vs. online comparator
Avant de choisir comment souscrire votre assurance auto, il est important de comprendre les différences entre les trois principales options disponibles au Québec.
| Criterion | Independent broker | Direct insurer | Assur360 (comparator) |
|---|---|---|---|
| Number of insurers | 10 to 30 | 1 Single | network of 13 firms |
| Personalized advice | Yes, in person or by phone | Limited to internal products | Yes, assigned broker |
| Premium negotiation | Yes | No, fixed fee | Yes, via broker |
| Assistance in the event of a claim | Your defender | Represents the insurer | Your defender via broker |
| Cost of the service | Free | ||
| Speed | Appointment required | Fast online | Quote 3 min |
| Multi-product discount | 5 to 15 % | Variable | 5 to 20 % |
| AMF certification | Yes | Yes | Yes (100%) |
Assur360’s advice
With Assur360, you combine the speed of an online comparison tool, the expertise of an AMF broker and access to a network of 25+ insurers. One quote, 25 offers compared, the best price.
How the broker assesses your car insurance needs
Each Quebec driver has a unique profile that directly influences the cost of their insurance premium. An experienced broker analyzes the following factors to recommend the optimal coverage:
Analysis of your driving record
Number of demerit points, Highway Safety Code violations, accident history over the last 6 years, years of driving experience.
Vehicle Evaluation
Year, make, model, market value, IIHS safety rating and theft rate. The Honda CR-V, Lexus RX and Toyota Highlander are among the most stolen in Quebec.
Usage and mileage
Pleasure, home-work, professional use, annual mileage, parking (closed garage vs. public street).
Place of residence
Premiums vary considerably between Montreal, Quebec City, Gatineau and the regions. A broker knows the intricacies of pricing by zip code.
Font grouping
Possibility of bundling home, auto, motorcycle and RV insurance for a multi-product discount of 5 to 20%.
Risk tolerance
Higher deductibles = lower premiums, but more costs in the event of a claim. The broker finds your optimal balance.
Car insurance coverage in Quebec
In Quebec, the automobile insurance plan is mixed: the SAAQ covers bodily injury (regardless of fault), while private insurance covers property damage. Your broker helps you choose from these essential protections:
| Protection | What does it cover | Mandatory? |
|---|---|---|
| Civil liability (Chapter A) | Damage caused to third parties (vehicle, property, injuries abroad) | Yes, min. $50,000 |
| Collision (Chapter B2) | Damage to your vehicle following an accident | No, but recommended |
| Specified Hazards (B3) | Fire, Theft, Vandalism, Hail, Falling Objects | No |
| All perils (B1) | Collision + specified perils + all damage not excluded | No |
| Replacement Cost (FAQ 43A) | Replacement for 24-48 months | No |
| Replacement vehicle | Rental of a vehicle during repairs | No |
How to choose your car insurance broker in Quebec?
Tous les courtiers ne se valent pas. Avant de confier votre dossier d’assurance auto à un professionnel, vérifiez ces 6 critères essentiels :
1. Check the AMF licence
Consult the AMF’s public registry to validate the certification of the dealer and the firm.
2. Number of insurers represented
Ask how many insurers the broker can use. Minimum 5, ideally 10+ for a real comparison.
3. Years of experience
A broker with 5+ years of experience is more familiar with the intricacies of contracts and exclusive discounts.
4. Specialties offered
Some brokers specialize in sub-standard cases, luxury vehicles, fleets, or motorcycles.
5. Availability
Opening hours, 24-hour response to emails, 24/7 emergency service in case of disaster.
6. Verified Customer Reviews
Check out Google Reviews and the ChAD rating. Avoid firms with unresolved complaints to the AMF.
The Quote Process with an Assur360 Broker
Fill out the form in 3 minutes
Your contact details, your vehicle and your driver profile. No credit card required.
An AMF broker contacts you
Within 24 business hours, a certified broker analyzes your file and solicits 5 to 10 insurers.
You receive the best offers
Side-by-side comparison with explanation of coverages, deductibles and discounts.
Online or telephone subscription
Electronic signature, monthly or annual payment, delivery of the policy by email. Immediate coverage.
Beware of fake online brokers
Since 2022, the AMF has sanctioned several sites offering insurance without a valid licence. Always validate the firm’s licence number on the AMF’s official register before submitting your personal information.
COMPARAISON INSTANTANÉE
Économisez jusqu’à 25 % sur votre prime auto
Un seul formulaire, 25+ assureurs comparés, meilleure offre garantie.
Soumission auto en 3 minutesFactors that affect your car insurance premium
Understanding what influences your premium helps you ask your broker the right questions and identify savings levers. Here are the top 10 factors analyzed by Quebec insurers:
- Driver age — those under 25 pay 40 to 80 percent more on average
- Gender (in some provinces) — in Quebec, rates have been unisex since 2015
- Length of licence – more experience = lower premium (minimum 3 to 5 years)
- Place of residence — Montreal vs. Trois-Rivières can represent a 30% difference
- The type of vehicle — sports cars and SUVs have higher premiums
- Annual mileage — less than 12,000 km = “low mileage” discount
- Driving record — each offence remains on file for 3 to 6 years
- Previous claims — direct effect on premium for 6 years
- Credit score — some insurers offer a discount if credit is granted
- Bundling — car + home = 5 to 20% savings with most insurers
Our car insurance brokers throughout Quebec
Assur360 serves all regions of Quebec through its network of 13 AMF brokerage firms. Whether you live in the city or in the region, a local broker understands the particularities of your area (risk of theft, traffic density, winter conditions). Our brokers are present in Montreal, Quebec City, Laval, Gatineau, Longueuil, Sherbrooke, Trois-Rivières, Saguenay, Lévis, Terrebonne, Saint-Jean-sur-Richelieu, Thetford Mines and Drummondville. Regardless of your postal code, our system assigns you the broker best placed to get the best rate for your profile.
Insurance products offered by your Assur360 brokers
Standard Car Insurance
Civil liability, collision, all perils for drivers with a clean record.
Substandard car insurance
For cases with offences, complaints or probationary licences.
Home insurance
Homeowners, renters, condos — multi-product rebate with car.
Motorcycle insurance
Sporty, cruiser, road, off-road, winter storage included.
RV and trailer insurance
Caravan, motorized, Class A/B/C, 5th wheel, fifth-wheel.
Business Insurance
Commercial auto fleet, professional liability, property, cyber, E&O.
Frequently Asked Questions — Car Insurance Broker
Why trust Assur360 for your car insurance?
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