{"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":"2026-05-22T00:53:14","modified_gmt":"2026-05-22T04:53:14","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 Cabinet d'assurance\", \"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\": \"Assurance auto 55 ans et plus 2026 : rabais senior jusqu'\u00e0 20 %. Comparez 9+ assureurs, soumission gratuite en 3 min. Courtier AMF Assur360.\", \"address\": {\"@type\": \"PostalAddress\", \"streetAddress\": \"900 Boulevard Frontenac O\", \"addressLocality\": \"Thetford Mines\", \"addressRegion\": \"QC\", \"postalCode\": \"G6G 6L5\", \"addressCountry\": \"CA\"}, \"areaServed\": {\"@type\": \"State\", \"name\": \"Qu\u00e9bec\"}, \"serviceType\": [\"Assurance auto\", \"Assurance habitation\", \"Assurance entreprise\", \"Assurance vie\"]}<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Vous avez <strong>55 ans et plus<\/strong> et cherchez \u00e0 payer moins cher votre <strong>assurance auto au Qu\u00e9bec<\/strong> en 2026 ? Bonne nouvelle : les assureurs vous consid\u00e8rent comme un conducteur \u00e0 faible risque. Chez <strong>Assur360<\/strong>, <strong>cabinet certifi\u00e9 AMF<\/strong>, nos courtiers ind\u00e9pendants comparent <strong>9+ assureurs<\/strong> et d\u00e9busquent les <strong>rabais senior<\/strong>, <strong>retrait\u00e9<\/strong> et <strong>faible kilom\u00e9trage<\/strong> qui peuvent vous faire \u00e9conomiser jusqu&#8217;\u00e0 <strong>20 %<\/strong> sur votre prime. <a href=\"https:\/\/www.assur360.ca\/soumission-auto-rapide-en-ligne\/\">Soumission gratuite en 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 ANS ET PLUS \u2014 2026<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Rabais-senior-jusqua-20-%E2%80%94-comparez-9-assureurs\"><\/span>Rabais senior jusqu&#8217;\u00e0 20 % \u2014 comparez 9+ assureurs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Vous \u00eates un conducteur exp\u00e9riment\u00e9. Vos primes devraient refl\u00e9ter votre bon dossier.<\/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;\">Soumission gratuite en 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;\">*Tarifs indicatifs 2026. <a href=\"https:\/\/www.assur360.ca\/soumission-auto-rapide-en-ligne\/\">Obtenez votre prix exact en 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;\">RABAIS SENIOR 2026<\/p>\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;\">Vous payez peut-\u00eatre trop cher \u2014 v\u00e9rifiez en 3 minutes<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Nos courtiers comparent 30+ compagnies et trouvent tous les rabais 55+ disponibles.<\/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;\">Comparer 9+ assureurs<\/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;\">Assurance auto \u2014 guide complet<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Tout ce qu&#8217;il faut savoir sur votre police auto au Qu\u00e9bec.<\/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;\">Renouvellement assurance auto<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Comment n\u00e9gocier votre renouvellement chaque ann\u00e9e.<\/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 astuces pour \u00e9conomiser<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Strat\u00e9gies concr\u00e8tes pour r\u00e9duire votre prime en 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;\">Assurance VR et motoris\u00e9<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Couvrez votre v\u00e9hicule r\u00e9cr\u00e9atif pour vos escapades de retrait\u00e9.<\/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;\">Existe-t-il vraiment un rabais d&#8217;assurance auto pour les 55 ans et plus ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Oui. La plupart des assureurs qu\u00e9b\u00e9cois offrent un <strong>rabais senior de 5 \u00e0 20 %<\/strong> d\u00e8s 55 ou 65 ans, selon la compagnie. Ce rabais refl\u00e8te le fait que les conducteurs exp\u00e9riment\u00e9s ont statistiquement moins d&#8217;accidents que les jeunes conducteurs.<\/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;\">\u00c0 partir de quel \u00e2ge commence le rabais senior ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">\u00c7a varie : certains assureurs commencent d\u00e8s <strong>50 ans<\/strong>, d&#8217;autres \u00e0 <strong>55, 60 ou 65 ans<\/strong>. Un courtier ind\u00e9pendant Assur360 identifie quel assureur applique le rabais le plus t\u00f4t pour votre profil.<\/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;\">Ma prime va-t-elle baisser automatiquement \u00e0 55 ans ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Pas toujours. Certains assureurs appliquent le rabais automatiquement, d&#8217;autres non. <strong>Il faut souvent le demander<\/strong> ou magasiner ailleurs. C&#8217;est l&#8217;une des raisons principales pour lesquelles les 55+ gagnent \u00e0 comparer chaque ann\u00e9e.<\/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;\">Ai-je droit \u00e0 des r\u00e9ductions si je suis retrait\u00e9 ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Oui. Les retrait\u00e9s conduisent g\u00e9n\u00e9ralement <strong>moins de kilom\u00e8tres par ann\u00e9e<\/strong> (pas de trajet au travail), ce qui r\u00e9duit consid\u00e9rablement le risque et la prime. D\u00e9clarez votre faible kilom\u00e9trage annuel \u2014 plusieurs assureurs offrent jusqu&#8217;\u00e0 <strong>15 % de rabais<\/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;\">Puis-je perdre mon rabais senior apr\u00e8s un accident ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Le rabais li\u00e9 \u00e0 l&#8217;\u00e2ge ne dispara\u00eet pas, mais votre prime globale peut augmenter de <strong>15 \u00e0 40 %<\/strong> apr\u00e8s un accident responsable. Un courtier peut vous aider \u00e0 trouver une compagnie moins s\u00e9v\u00e8re avec les dossiers avec sinistre.<\/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;\">Existe-t-il une couverture sp\u00e9ciale pour v\u00e9hicule de loisir (VR, cabriolet) ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Oui. Les VR, motoris\u00e9s et v\u00e9hicules classiques ont des polices d\u00e9di\u00e9es avec des tarifs souvent avantageux pour les 55+ qui les utilisent saisonni\u00e8rement. <strong>Assur360<\/strong> compare plusieurs sp\u00e9cialistes en VR.<\/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;\">Dois-je refaire un examen de conduite apr\u00e8s 75 ans ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">La SAAQ exige un <strong>examen m\u00e9dical \u00e0 75 et 80 ans<\/strong>, puis \u00e0 tous les 2 ans. Aucun examen de conduite pratique n&#8217;est syst\u00e9matique. Tant que votre permis est valide, votre assureur vous couvre normalement.<\/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;\">Comment obtenir le meilleur prix \u00e0 60-70 ans ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">1) Magasinez chaque 1-2 ans \u2014 les primes varient \u00e9norm\u00e9ment entre assureurs pour les 60+. 2) Combinez auto + habitation. 3) D\u00e9clarez votre faible kilom\u00e9trage. 4) Profitez du rabais retrait\u00e9. <a href=\"https:\/\/www.assur360.ca\/soumission-auto-rapide-en-ligne\/\">Comparez 9+ assureurs en 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;\">Les 55+ paient-ils vraiment moins cher que les 30-50 ans ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Statistiquement, oui \u2014 jusqu&#8217;\u00e0 l&#8217;\u00e2ge de <strong>70-75 ans<\/strong>. Apr\u00e8s 75 ans, les primes peuvent l\u00e9g\u00e8rement remonter \u00e0 cause d&#8217;un risque plus \u00e9lev\u00e9 de sinistres mineurs. Mais elles restent presque toujours plus basses qu&#8217;\u00e0 25-35 ans.<\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Existe-t-il vraiment un rabais d'assurance auto pour les 55 ans et plus ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui. La plupart des assureurs qu\u00e9b\u00e9cois offrent un <strong>rabais senior de 5 \u00e0 20 % d\u00e8s 55 ou 65 ans, selon la compagnie. Ce rabais refl\u00e8te le fait que les conducteurs exp\u00e9riment\u00e9s ont statistiquement moins d'accidents que les jeunes conducteurs.\"}}, {\"@type\": \"Question\", \"name\": \"\u00c0 partir de quel \u00e2ge commence le rabais senior ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"\u00c7a varie : certains assureurs commencent d\u00e8s <\/strong><strong>50 ans, d'autres \u00e0 <\/strong><strong>55, 60 ou 65 ans. Un courtier ind\u00e9pendant Assur360 identifie quel assureur applique le rabais le plus t\u00f4t pour votre profil.\"}}, {\"@type\": \"Question\", \"name\": \"Ma prime va-t-elle baisser automatiquement \u00e0 55 ans ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Pas toujours. Certains assureurs appliquent le rabais automatiquement, d'autres non. <\/strong><strong>Il faut souvent le demander ou magasiner ailleurs. 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Mais elles restent presque toujours plus basses qu'\u00e0 25-35 ans.\"}}]}<\/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;\">SOUMISSION GRATUITE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Assurance auto 55 ans et plus \u2014 votre meilleur prix en 2026<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">9+ assureurs compar\u00e9s, tous vos rabais senior identifi\u00e9s. Aucun engagement.<\/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;\">Obtenir ma soumission<\/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;\">Appeler un courtier<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/www.assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Assurance auto\", \"item\": \"https:\/\/www.assur360.ca\/assurance-auto\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"55 ans et plus\", \"item\": \"https:\/\/www.assur360.ca\/assurance-auto\/assurance-auto-55-ans-plus\/\"}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Insurance 55+ Vous avez 55 ans et plus et cherchez \u00e0 payer moins cher votre assurance auto au Qu\u00e9bec en 2026 ? 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