Insurance Comparator

How the comparator works

What is an online insurance comparison tool

An online insurance comparison tool in Quebec is a tool that allows you to quickly compare the offers of several insurers and brokers certified by the Autorité des marchés financiers (AMF), without having to contact each company individually. Instead of spending hours on the phone or filling out dozens of different forms, you submit a single application and receive several proposals tailored to your profile. At Assur360, we’ve developed a platform that simplifies this process by connecting you with independent insurance brokers who work for you, not for a specific insurer. The result: competitive quotes, professional support and real savings on your insurance premiums.

Whether you’re looking to insure your vehicle, home, business, or RV, comparison is the most effective way to get the best value for your money. Quebecers who compare their insurance before renewing save an average of between 15% and 30% on their annual premiums. However, a large proportion of policyholders automatically renew their policy without shopping around, due to a lack of time or a lack of knowledge of the options available.

This page explains in detail how an insurance comparison tool works, what types of coverage you can compare, and why using a certified broker is a considerable advantage compared to individual research. You’ll also find our answers to the most frequently asked questions to help you make an informed decision.

The three steps of the Assur360 comparator

Step 1: Fill out a single form

It all starts with an online form that you fill out in a few minutes. You indicate the essential information: the type of insurance you are looking for, your profile (age, place of residence, claims history) and the details of the property to be insured. One form is all you need, no matter how many quotes you want to get. Visit our insurance products page to see all the coverages available.

Step 2: Connecting with a Certified Broker

Once your application is submitted, our platform will route it to a certified insurance broker in your area. This broker is an independent professional who holds an AMF licence and has access to the products of several insurers. His role is to analyze your situation and shop for you with his network of partners.

Step 3: Receipt of competitive bids

The broker then presents you with several detailed quotes, explaining the differences between each offer: price, deductibles, included coverage, exclusions and additional options. You can ask any questions you may have and take the time to choose the option that best fits your needs and budget. There is no obligation to subscribe and the service is completely free for you.

This three-step process allows you to get results that you couldn’t achieve on your own in a few minutes of searching. The broker knows the underwriting criteria of each insurer, the discounts available and the particularities of each product. He optimizes your file to get you the best possible conditions.

Types of insurance you can compare

The Assur360 platform covers all the insurance needs of individuals and businesses in Quebec. Here are the main product categories for which you can get comparative quotes.

Car insurance

Car insurance is the most shopped product by Quebec consumers, and for good reason: price differences between insurers can reach several hundred dollars per year for an identical profile. In Quebec, the Société de l’assurance automobile du Québec (SAAQ) public plan covers bodily injury, but you must purchase private insurance for property damage, civil liability and additional coverage. By comparing, you make sure you don’t pay too much for equivalent coverage.

Home insurance

Whether you are a homeowner or a renter, home insurance protects your home and belongings against common disasters: fire, theft, water damage, vandalism and civil liability. Home insurance premiums in Quebec have increased significantly in recent years due to the increased frequency of weather events. Comparing offers allows you to find adequate coverage without paying an unjustified additional premium. The broker can also recommend Quebec-specific endorsements, such as sewer backup or ice damage protection.

Business Insurance

Business insurance needs vary greatly depending on the industry, the size of the business, and the specific risks to be covered. Commercial general liability, property insurance, business interruption, cyber insurance, errors and omissions: the products are numerous and complex. A specialized comparator like Assur360 connects you with brokers who understand the issues facing Quebec businesses and who can negotiate advantageous terms with commercial insurers.

Recreational vehicle insurance

Quebec is one of the regions where recreational vehicles are the most popular in North America. Recreational vehicle insurance covers a wide range of motorized recreation: motorcycles, boats, recreational vehicles (RVs), snowmobiles and quads. Each of these vehicles presents particular risks and different seasons of use. By comparing offers, you can benefit from discounts for winter storage, multi-vehicle packages or specific coverage for accessories and equipment.

Antique and collector’s vehicle insurance

Antique and collector vehicles require specialized insurance that takes into account their pleasant value rather than their depreciated value. Traditional insurers do not always offer this type of coverage, which makes the comparison all the more important to find a suitable product at a reasonable price.

Life insurance

Life insurance is an essential product to financially protect your loved ones in the event of death. Premiums vary considerably from one insurer to another depending on your age, your state of health and the type of policy chosen (term, permanent or universal). Comparing offers allows you to find the optimal protection at the best cost.

Comparator vs Shopping Yourself

Many consumers hesitate between using an insurance comparison site and doing their own research. Here is a comparative table that illustrates the concrete differences between the two approaches.

The observation is clear: using an insurance comparator saves you time, gives you access to a greater number of offers and you benefit from the expertise of a certified professional. This is a major competitive advantage in a market where price differences are often significant.

Why Compare with a Certified Broker

Using a certified insurance broker to compare your insurance offers benefits that automated comparison tools can’t match. Here are the top five reasons to take this approach.

• Independence and objectivity : An AMF-certified insurance broker works for you, not an insurer. They have a legal obligation to recommend the product that best suits your needs, not the one that earns them the best commission. This independence is a guarantee of trust that you will not find in an exclusive agent linked to a single company.
• Access to an expanded network of insurers : Brokers have access to dozens of insurers, including companies that do not sell directly to the public. Some specialty products (finished basement insurance, self-employed coverage, custom commercial policies) are only available through brokers.
• Expertise in hedging analysis : Beyond the price, a broker analyzes the quality of each policy. They check for exclusions, deductibles, coverage limits and endorsements relevant to your situation. The Chambre de l’assurance de dommages (ChAD) oversees the continuing education of brokers to ensure that they maintain a high level of competence.
• Support in the event of a claim : In the event of a claim, your broker acts as an intermediary with the insurer. They advocate for your interests, ensure your case is handled fairly, and guide you through the often stressful claims process. This is an invaluable benefit that automated comparison platforms do not provide.
• Proactive follow-up and optimized renewal : A broker doesn’t just sell you a policy. They review your file annually at renewal time to ensure that your coverage is still adequate and that your premium remains competitive. If another insurer offers better terms, they will make the transfer for you.

By combining the technology of an online comparison site with the human expertise of a certified broker, Assur360 offers the best of both worlds. You benefit from the speed of digital technology and the depth of analysis of an insurance professional.

Average savings when comparing

Industry data confirms that insurance comparison generates substantial savings for consumers. According to the Insurance Bureau of Canada (IBC), auto insurance premiums in Quebec have increased by an average of 5 to 8% per year over the past few years, making the comparison more important than ever.

In car insurance, the price differences between the most expensive and the cheapest bidder for the same driver profile can reach 40% or more. For an average annual premium of about $900, that’s a potential difference of $300 to $400 per year. In home insurance, the variations are just as marked, with frequent differences of 25% to 35% between insurers.

Free online quote

Getting a free insurance quote with Assur360 is quick and easy. Our platform was designed to take the friction out of the insurance shopping process. In less than five minutes, you fill out a form tailored to your needs and a certified broker takes over to get you the best deals on the market.

If you’re looking for a quick car insurance quote, our dedicated form allows you to submit your request in just a few clicks. For other types of coverage, go to our insurance products page to choose the category that suits your needs.

The service is completely free and without obligation. You receive detailed quotes that you can compare at your own pace, without any sales pressure. Our goal is to give you the tools and support you need to make the best insurance decision. Thousands of Quebecers trust us every year to find the ideal coverage at the best price.

Don’t wait for your policy renewal to take action. The earlier you compare, the more likely you are to identify significant savings. And if your current coverage is already proving to be the most advantageous, you’ll at least have the peace of mind of knowing you’re paying the right price.

What our customers appreciate

The satisfaction of our users is based on three fundamental pillars: the simplicity of the process, the quality of the quotes received and the human support throughout the process. Unlike automated comparison sites that simply display prices without context, Assur360 offers you a complete experience where each quote is explained, each coverage is detailed and each question is answered.

Our partner brokers are established throughout Quebec and know the local realities of each region. Risk factors and rates vary greatly from region to region, and a local broker knows exactly which insurers offer the best terms in your area.

The protection of your personal data is also a top priority. All information you submit through our platform is treated confidentially and securely, in accordance with Quebec privacy laws, including Bill 25. Your data is never sold to third parties and is used only in connection with your request for a quote.

Tips for getting the best price

Beyond the comparison itself, there are some strategies that allow you to further optimize your insurance premiums. Here are our brokers’ recommendations to maximize your savings.

Increasing your deductible is another common strategy. By going from a $500 deductible to $1,000, you can reduce your premium by 10% to 20%. This approach is particularly suitable for insureds who have a good claims history and can absorb a higher amount in the event of a minor loss.

Maintaining a good driving record is obviously essential. Traffic violations and previous claims have a direct impact on your premiums. Some insurers offer first-time claim forgiveness programs, which your broker will be able to identify when comparing.

Installing security devices (alarm system, cameras, certified locks for the home; anti-theft, winter tires for cars) can also entitle you to additional discounts. Mention all of these elements when requesting a quote so that the broker can take them into account.