{"id":15649,"date":"2023-04-05T12:51:11","date_gmt":"2023-04-05T16:51:11","guid":{"rendered":"https:\/\/www.assur360.ca\/car-insurance-3-minute-quote\/insurance-55\/"},"modified":"2026-06-25T17:34:21","modified_gmt":"2026-06-25T21:34:21","slug":"insurance-55","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/insurance-55\/","title":{"rendered":"Insurance 55+"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<h1 style=\"font-family:'Sora',sans-serif;font-size:clamp(28px,4vw,38px);font-weight:800;line-height:1.2;color:#0d1f2d;margin:32px 0 24px;\"><span class=\"ez-toc-section\" id=\"Insurance-55\"><\/span>Insurance 55+<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360\", \"alternateName\": \"Assur360 Chamber of Insurance\", \"url\": \"https:\/\/www.assur360.ca\/assurance-auto\/assurance-auto-55-ans-plus\/\", \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2023\/11\/assur360-logo.png\", \"image\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2023\/11\/assur360-logo.png\", \"telephone\": \"+1-866-357-4451\", \"priceRange\": \"$$\", \"description\": \"Car insurance 55 years and over 2026: senior discount up to 20%. Compare 9+ insurers, free quote in 3 min. AMF insurance broker Assur360.\", \"address\": {\"@type\": \"PostalAddress\", \"streetAddress\": \"900 Boulevard Frontenac O\", \"addressLocality\": \"Thetford Mines\", \"addressRegion\": \"QC\", \"postalCode\": \"G6G 6L5\", \"addressCountry\": \"CA\"}, \"areaServed\": {\"@type\": \"State\", \"name\": \"Quebec\"}, \"serviceType\": [\"Car insurance\", \"Home insurance\", \"Business insurance\", \"Life insurance\"]}<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Are you <strong>55 years and over<\/strong> and looking to pay less for your <strong>auto insurance in Quebec<\/strong> in 2026? Good news: insurers consider you a low-risk driver. At <strong>Assur360<\/strong>, <strong>AMF certified chamber<\/strong>, our independent brokers compare <strong>9+ insurers<\/strong> and uncover <strong>senior discounts<\/strong>, <strong>retired<\/strong>, and <strong>low mileage<\/strong> options that can save you up to <strong>20%<\/strong> on your premium. <a href=\"https:\/\/www.assur360.ca\/soumission-auto-rapide-en-ligne\/\">Free quote in 3 minutes<\/a>.<\/p>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-auto-55-ans-plus.jpg\" alt=\"Driver 55 years of age and over \u2014 Assur360 car insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Car-insurance-for-55-years-and-over\"><\/span>Car insurance for 55 years and over<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Drivers aged <strong>55 and over<\/strong> often benefit from <strong>experience discounts<\/strong> and adapted programs (Bel \u00c2ge at Beneva, Avantage 50+ at Promutuel, etc.). Discounts of up to 20%. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Conditions:<\/strong> clean driving record, up-to-date visual examination (SAAQ), and sometimes recognized refresher courses. Mention your age and history to benefit from the senior programs. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">55 YEARS AND OVER \u2014 2026<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Senior-discounts-up-to-20-%E2%80%94-compare-9-insurers\"><\/span>Senior discounts up to 20% \u2014 compare 9+ insurers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">You are an experienced driver. Your premiums should reflect your good record.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-auto-en-ligne\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Free quote in 3 minutes<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">20 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Senior discount possible<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">9+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Insurers Compared<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">By Submission<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">55+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Your winning profile<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-6-exclusive-discounts-for-those-55-years-old-and-over\"><\/span>The 6 exclusive discounts for those 55 years old and over<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\">Your age and experience entitle you to several discounts that young drivers do not get. Here they are. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfaf<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Age discount (55-65+)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Discount of <strong>5 to 20%<\/strong> automatic or to be requested depending on the insurer. Some trigger it as early as 50, others at 60 or 65. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfe1<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Retiree discount<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Proof of retirement = reduced driving = additional discount with some insurers, up to <strong>10%.<\/strong><\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcc9<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Low mileage discount<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Less than <strong>12,000 km\/year<\/strong> : up to <strong>15% off<\/strong>. Under 8,000 km: even more. Report your mileage honestly.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udd17<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Multi-product discounts<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Car + home + RV with the same insurer = <strong>10-15% discount<\/strong> on each policy.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfc6<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Impeccable backrest discount<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">No accidents or tickets for 5+ years: some insurers offer an additional 10% <strong>loyalty super-discount<\/strong> .<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude97<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Safe Vehicle Discount<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Automatic braking, blind spot detection, reversing camera: up to <strong>8%<\/strong> more.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Get-your-best-price-in-4-steps\"><\/span>Get your best price in 4 steps<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">Call or request a quote online<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Your basic information (license, vehicle, annual mileage, retirement). Less than 3 minutes.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">Our brokers identify your discounts<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">We analyze 30+ companies to find the insurer that applies the most senior discounts to your profile.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">You receive the best 55+ offer<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">By email or by phone at <strong>1-866-357-4451<\/strong>. No commitment, it&#8217;s up to you. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">Signature online or by mail<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">A broker will accompany you. Proof of pink insurance issued in less than 24 hours. <\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Advice for retirees<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Accurately report your <strong style=\"color:#ffffff;\">actual annual mileage<\/strong>. Many retirees overestimate their use and pay too much. Do the math: typical journeys \u00d7 52 weeks. If you drive <strong style=\"color:#ffffff;\">less than 10,000 km\/year<\/strong>, you are entitled to a significant discount that is often not applied by default.   <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2026-rates-observed-for-those-55-years-old-and-over\"><\/span>2026 rates observed for those 55 years old and over<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead><tr style=\"background:#0d1f2d;color:#ffffff;\"><th style=\"padding:14px 16px;text-align:left;border:none;\">Profile 55+<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Vehicle Annual<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Bonus*<\/th><\/tr><\/thead>\n    <tbody><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">55-64 Couple, 2 Vehicles, Good Record<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Sedan + SUV<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$1,080 \u2013 $1,320 (Combined)<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Retired 65-74 years old, occasional driving<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Compact Sedan<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$520 \u2013 $720<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">65+ torque with a single vehicle<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Midsize SUV<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$680 \u2013 $860<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Senior 75+, Local Drive<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Classic Sedan<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$580 \u2013 $780<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">55+ with 1 recent accident<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Standard Sedan<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$980 \u2013 $1,280<\/td><\/tr><\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative rates 2026. <a href=\"https:\/\/www.assur360.ca\/soumission-auto-rapide-en-ligne\/\">Get your exact price in 3 minutes<\/a>.<\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">SENIOR DISCOUNTS 2026<\/p>\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;\">You may be paying too much \u2014 check in 3 minutes<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Our brokers compare 30+ companies and find all available 55+ discounts.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-auto-en-ligne\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Compare 9+ insurers<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Common-mistakes-55-make-with-their-insurance\"><\/span>Common mistakes 55+ make with their insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\u274c<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Never shop<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Keeping the same company for 20 years out of habit costs an average <strong>of $2,000 to $5,000<\/strong> too much over 10 years. Shop every 1-2 years. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\u274c<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Forgetting to mention retirement<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Changing your status from active to retired changes your mileage and therefore your premium. <strong>Notify your broker<\/strong> as soon as you retire.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\u274c<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Accept auto-renewal<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The insurer will never spontaneously offer you its best price. A call to a broker = immediate comparison. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Recommended-Coverages-for-55\"><\/span>Recommended Coverages for 55+<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udee1\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Liability $2M<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Always recommended. Bodily injuries can easily exceed $1 million in Canada. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude97<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Collision Protection<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">If your vehicle is less than 12 years old or is financed. Otherwise, assessable according to its value. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83e\uddf3<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Roadside Assistance<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Breakdown assistance, towing, unlocking. Very useful for north-south travel and seasonal travel. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Service-throughout-Quebec-for-people-55-years-of-age-and-over\"><\/span>Service throughout Quebec for people 55 years of age and over<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\">Our brokers serve seniors and retirees in all major cities: <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Gatineau<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>Thetford Mines<\/strong>, <strong>Drummondville<\/strong> and the regions. Phone service, clear communication and patience. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-articles-and-useful-pages\"><\/span>Related articles and useful pages<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/assurance-auto\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Car insurance \u2014 complete guide<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Everything you need to know about your auto policy in Quebec.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/renouvellement-assurance-auto\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Auto insurance renewal<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">How to negotiate your renewal each year.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/economiser-sur-lassurance-automobile\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">12 tips to save<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Concrete strategies to reduce your premium in 2026.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-vr-motorise-quebec\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">RV and motorized insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Cover your recreational vehicle for your retirement getaways.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-Car-insurance-for-people-aged-55-and-over\"><\/span>Frequently asked questions \u2014 Car insurance for people aged 55 and over<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is there really a car insurance discount for those aged 55 and over?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. Most Quebec insurers offer a <strong>senior discount of 5 to 20%<\/strong> starting at 55 or 65 years old, depending on the company. This discount reflects the fact that experienced drivers statistically have fewer accidents than younger drivers.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">At what age does the senior discount start?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">It varies: some insurers start at <strong>50 years old<\/strong>, others at <strong>55, 60, or 65 years old<\/strong>. An independent broker from Assur360 can identify which insurer applies the discount the earliest for your profile.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Will my premium automatically decrease at 55?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Not always. Some insurers apply the discount automatically, while others do not. <strong>You often have to request it<\/strong> or shop around. This is one of the main reasons why those aged 55+ benefit from comparing every year.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Am I entitled to discounts if I am retired?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. Retirees generally drive <strong>fewer kilometers per year<\/strong> (no commute), which significantly reduces risk and premium. Declare your low annual mileage \u2014 several insurers offer up to <strong>15% discount<\/strong>.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I lose my senior discount after an accident?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The age-related discount does not disappear, but your overall premium may increase by <strong>15 to 40%<\/strong> after a responsible accident. A broker can help you find a company that is less strict with claims history.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is there special coverage for recreational vehicles (RV, convertible)?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. RVs, motorized vehicles, and classic cars have dedicated policies with often favorable rates for those aged 55+ who use them seasonally. <strong>Assur360<\/strong> compares several RV specialists.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do I need to retake a driving test after 75?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The SAAQ requires a <strong>medical exam at 75 and 80 years old<\/strong>, then every 2 years. No practical driving test is mandatory. As long as your license is valid, your insurer typically covers you.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How can I get the best price at 60-70 years old?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">1) Shop around every 1-2 years \u2014 premiums vary greatly between insurers for those aged 60+. 2) Combine auto + home insurance. 3) Declare your low mileage. 4) Take advantage of the retiree discount. <a href=\"https:\/\/www.assur360.ca\/soumission-auto-rapide-en-ligne\/\">Compare 9+ insurers in 3 minutes<\/a>.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do those aged 55+ really pay less than those aged 30-50?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Statistically, yes \u2014 up to the age of <strong>70-75 years<\/strong>. After 75, premiums may slightly increase due to a higher risk of minor claims. But they remain almost always lower than at 25-35 years old.<\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Is there really a car insurance discount for those 55 and older?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes. Most Quebec insurers offer a <strong>senior discount of 5 to 20% starting at 55 or 65 years old, depending on the company. This discount reflects the fact that experienced drivers statistically have fewer accidents than young drivers.\"}}, {\"@type\": \"Question\", \"name\": \"At what age does the senior discount start?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"It varies: some insurers start at <\/strong><strong>50 years old, others at <\/strong><strong>55, 60, or 65 years old. An independent broker from Assur360 identifies which insurer applies the discount the earliest for your profile.\"}}, {\"@type\": \"Question\", \"name\": \"Will my premium automatically decrease at 55?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Not always. Some insurers apply the discount automatically, while others do not. <\/strong><strong>You often have to ask for it or shop around. This is one of the main reasons why those 55+ benefit from comparing every year.\"}}, {\"@type\": \"Question\", \"name\": \"Am I eligible for discounts if I am retired?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes. Retirees generally drive <\/strong><strong>fewer kilometers per year (no commute), which significantly reduces risk and premium. Declare your low annual mileage \u2014 several insurers offer up to <\/strong><strong>15% discount.\"}}, {\"@type\": \"Question\", \"name\": \"Can I lose my senior discount after an accident?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"The age-related discount does not disappear, but your overall premium may increase by <\/strong><strong>15 to 40% after a responsible accident. A broker can help you find a company that is less strict with claims history.\"}}, {\"@type\": \"Question\", \"name\": \"Is there special coverage for recreational vehicles (RV, convertible)?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes. RVs, motorhomes, and classic vehicles have dedicated policies with often advantageous rates for those 55+ who use them seasonally. <\/strong><strong>Assur360 compares several RV specialists.\"}}, {\"@type\": \"Question\", \"name\": \"Do I need to retake a driving test after 75?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"The SAAQ requires a <\/strong><strong>medical exam at 75 and 80 years old, then every 2 years. No practical driving test is mandatory. As long as your license is valid, your insurer normally covers you.\"}}, {\"@type\": \"Question\", \"name\": \"How can I get the best price at 60-70 years old?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"1) Shop every 1-2 years \u2014 premiums vary greatly between insurers for those 60+. 2) Combine auto + home insurance. 3) Declare your low mileage. 4) Take advantage of the retired discount. <a href=\\\"\/soumission-auto-rapide-en-ligne\/\\\">Compare 9+ insurers in 3 minutes.\"}}, {\"@type\": \"Question\", \"name\": \"Do those 55+ really pay less than those 30-50?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Statistically, yes \u2014 up to the age of <strong>70-75 years. After 75, premiums may slightly increase due to a higher risk of minor claims. But they almost always remain lower than at 25-35 years.\"}}]}<\/strong><\/a><\/strong><\/script> \n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span> <span style=\"color:#334155;font-size:14px;\"><strong>Members of the Insurance Chamber<\/strong> and the Insurance Chamber<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">More than <strong>100,000 submissions processed<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>9+ insurers<\/strong> compared in 3 minutes<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> brokers at your service<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100% Quebec<\/strong> service<\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Car insurance for those 55 and older \u2014 your best price in 2026<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">9+ insurers compared, all your senior discounts identified. No commitment.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-auto-en-ligne\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin:8px;\">Get my quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;margin:8px;\">Call a broker<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Home\", \"item\": \"https:\/\/www.assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Car Insurance\", \"item\": \"https:\/\/www.assur360.ca\/assurance-auto\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"55 and Older\", \"item\": \"https:\/\/www.assur360.ca\/assurance-auto\/assurance-auto-55-ans-plus\/\"}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Insurance 55+ Are you 55 years and over and looking to pay less for your auto insurance in Quebec in 2026? Good [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":45777,"parent":15612,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Car Insurance 55 Years and Over: Quebec Senior Discount 2026","_seopress_titles_desc":"2026 55+ Car Insurance: 20% Senior Discount. 30+ insurers compared, free 3 min. Assur360 quote. Independent comparator Assur360 with AMF-certified partner.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Insurance 55+","_seopress_social_fb_desc":"Compare the best car insurance offers in Quebec. AMF certified broker.  Free quote in 3 minutes.","_seopress_social_fb_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2026\/03\/og-courtier-assurance-auto-quebec.jpg","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"Insurance 55+","_seopress_social_twitter_desc":"Compare the best car insurance offers in Quebec. AMF certified broker.  Free quote in 3 minutes.","_seopress_social_twitter_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2026\/03\/og-courtier-assurance-auto-quebec.jpg","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"both","_seopress_redirections_param":"","_seopress_redirections_type":301,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","yasr_pro_reviews_in_comment_enabled":0,"footnotes":""},"class_list":["post-15649","page","type-page","status-publish","has-post-thumbnail","hentry"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15649","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/comments?post=15649"}],"version-history":[{"count":11,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15649\/revisions"}],"predecessor-version":[{"id":67945,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15649\/revisions\/67945"}],"up":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15612"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media\/45777"}],"wp:attachment":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media?parent=15649"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}