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Saving on car insurance

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AMF Brokers. Best car prices in Quebec compared for you.

Orso, Assur360 car insurance broker

Looking to save on your car insurance in Quebec in 2026? Premiums have risen again — on average 5 to 12 percent last year. The good news is that there are 12 concrete ways to reduce your premium, some of which can be combined, which can save you up to 40%. At Assur360, an AMF-certified firm, our independent brokers help you activate each of these discounts and shop among 9+ insurers. Free quote in 3 minutes.

SAVINGS 2026

12 tips to pay up to 40% less

Every tip is tested with our 9+ partner insurers. Guaranteed results.

Free quote in 3 minutes
40 %
Potential savings
12
Concrete tips
9+
Insurers Compared
3 min
By Submission

The 12 tips to save on your car insurance in 2026

Here are the 12 most effective levers, ranked in order of impact. Several can be combined. Apply 3-4 of them and you will see your premium drop immediately.

1️⃣

Shop with a broker

Tip 1. One broker compares 9+ insurers in 3 minutes. Average savings: $200 to $500/year.

2️⃣

Combining car + home

Automatic multi-product discount of 10 to 15% on each policy with most insurers.

3️⃣

Increase your deductible

$250 → $500 = 8-12% off. $250 → $1,000 = 15 to 20%.

4️⃣

Install an anti-theft device

Approved immobilizer: Up to 15% off, especially in urban areas.

5️⃣

Report low mileage

Less than 12,000 km/year = up to 15%. Less than 8,000 km = more.

6️⃣

Pay annually

3-5% discount vs. monthly payment. Savings of $36 to $60 on a $1,200 premium.

7️⃣

Choosing a safe vehicle

Automatic braking, blind spot detection, backup camera: 5 to 15% off.

8️⃣

Telemetry discount

Tracking your drive: Up to 25% off if you drive well.

9️⃣

Take advantage of your status

Student with a good record, retired, civil servant, CAA member, engineer, teacher: 3 to 10% each.

🔟

Renew after 5 years without a claim

Loyalty super-discount with some insurers: 10% additional after 5 years of your own.

1️1️⃣ ⃣

Review your coverage

Is your old car no longer worth $15,000? Remove the collision and save 30-40%.

1️2️⃣ ⃣

Report seasonal driving

Vehicle stored in winter or summer: up to 40% off during the storage period.

💡

The No. 1 mistake made by Quebec drivers

Keeping the same insurer for 10 years. Premiums rise by 5 to 12% each year for no apparent reason. Shopping every 1-2 years protects you from that silent climbing. A broker does this work for free.

How much can you save by combining several tips?

$
Averageannual savings*Over 5 years
Shop + combine car/home$3501,750
+ Increase deductible to $500+$60+$300
+ Approved Lock+$90+$450
+ Report low mileage+$120+$600
+ Annual payment+$35+$175
Possible Cumulative Total$655 / year$3,275

*Indicative rates 2026. Get your exact price in 3 minutes.

GUARANTEED SAVINGS

Activate your discounts in 3 minutes

An Assur360 broker analyzes your profile and applies all the discounts available at 9+ insurers.

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Mistakes to avoid when you want to save money

⚠️

Never sacrifice your essential protections

To save $50, some people take out excess liability or collision coverage without having the means to repair their vehicle. Always keep $2 million in civil liability. Save elsewhere: franchising, multi-product, shopping. A broker helps you cut in the right place.

What does NOT work to save?

❌

Hiding an accident

Insurers consult the FCSA (Central Claims File). Omitting = risk of policy cancellation.

❌

Lying about mileage

Detectable at renewal or in the event of a claim. May lead to the denial of compensation.

❌

Put another name as the main

Insurance fraud. Criminal consequences and cancellation of policy.

Savings service throughout Quebec

Our Assur360 brokers optimize premiums in all major cities: Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay, Thetford Mines, Drummondville and the regions. Phone, email and in-person service.

Related articles and useful pages

Frequently asked questions — Saving on car insurance

How much can I really save on my car insurance in 2026?
By applying several of the 12 tips above, you can reduce your premium by 15-40%. Our Assur360 customers save an average of $200 to $500 per year just by shopping with a broker.
What is the best tip to apply first?
Shop with an independent broker every 1-2 years. A single step allows you to compare 9+ insurers. Frequent variances of $500 to $1,200/year for the same profile. Compare for free.
Is it true that combining a car and a home saves money?
Yes — automatic discount of 10-15% on both policies with most insurers. For a combined premium of $2,000/year, that’s $200 to $300 in instant savings.
Does increasing my deductible really reduce my premium?
Yes. Going from $250 to $500 deductible = 8 to 12% off. Increase to $1,000 = 15 to 20%. Please note: make sure you can pay the deductible in the event of a claim.
Are anti-theft devices worth it?
Yes, especially in urban areas. An approved immobilizer system gives up to 15% off. The installation cost ($200-600) is often amortized in 1-2 years of savings.
Does the annual vs. monthly payment really make a difference?
Yes, 3 to 5% off by paying the full annual premium at once. For a $1,200 premium, that’s $36 to $60 in savings per year.
Does declaring low mileage help?
Absolutely. Less than 12,000 km/year: up to 15% off. Less than 8,000 km/year: even more. Retirees and teleworkers are particularly benefiting.
Can I save on my deductible without increasing it?
Yes, by choosing zero-deductible endorsements for glass breakage, theft, or major claims. Some companies offer them for free or at a low cost.
Can changing your vehicle really reduce my premium?
Yes. Models with automatic braking, blind spot detection, and a rearview camera cost 5 to 15 percent less to insure. Luxury or sports vehicles cost much more.
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