{"id":15653,"date":"2023-03-31T14:25:26","date_gmt":"2023-03-31T18:25:26","guid":{"rendered":"https:\/\/www.assur360.ca\/car-insurance-3-minute-quote\/car-insurance-comparison\/"},"modified":"2026-04-10T13:12:42","modified_gmt":"2026-04-10T17:12:42","slug":"car-insurance-comparison","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-comparison\/","title":{"rendered":"Car insurance comparison, how to compare and choose in Quebec in 2026?"},"content":{"rendered":"\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px 36px;margin:32px auto;box-shadow:0 10px 30px rgba(13,31,45,0.18);max-width:100%;\">\n  <div style=\"display:flex;gap:32px;align-items:center;justify-content:center;flex-wrap:wrap;\">\n    <div style=\"flex:1 1 380px;min-width:280px;text-align:left;\">\n      <p style=\"color:#10c4c7;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:3px;margin:0 0 10px;\">AUTOMOTIVE<\/p>\n      <p style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 12px;line-height:1.25;font-family:inherit;\">Car quote in 3 minutes<\/p>\n      <p style=\"color:#94a3b8;font-size:16px;line-height:1.6;margin:0 0 22px;\">AMF Brokers. Best car prices in Quebec compared for you. <\/p>\n      <div style=\"display:flex;gap:10px;flex-wrap:wrap;\">\n        <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;\">Get started<\/a>\n        <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;border:2px solid #ffffff;\">\ud83d\udcde 1-866-357-4451<\/a>\n      <\/div>\n    <\/div>\n    <div style=\"flex:0 0 240px;text-align:center;\"><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\/03\/orso-le-courtier-assurance-auto.png\" alt=\"Orso, Assur360 car insurance broker\" style=\"max-width:240px;width:100%;height:auto;display:block;margin:0 auto;filter:drop-shadow(0 6px 16px rgba(16,196,199,0.3));\" loading=\"lazy\"\/><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-comparison\/#Car-insurance-comparison-in-Quebec-find-the-best-coverage\" >Car insurance comparison in Quebec: find the best coverage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-comparison\/#What-to-compare-in-car-insurance-in-Quebec\" >What to compare in car insurance in Quebec<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-comparison\/#Comparison-table-of-car-coverage-in-Quebec\" >Comparison table of car coverage in Quebec<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-comparison\/#Factors-that-influence-your-car-insurance-premium\" >Factors that influence your car insurance premium<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-comparison\/#How-to-effectively-compare-your-car-insurance\" >How to effectively compare your car insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-comparison\/#Common-mistakes-to-avoid-when-comparing\" >Common mistakes to avoid when comparing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-comparison\/#Compare-by-Vehicle-Brand\" >Compare by Vehicle Brand<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-comparison\/#Get-your-free-quote\" >Get your free quote<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-comparison\/#Frequently-asked-questions-about-car-insurance-comparison\" >Frequently asked questions about car insurance comparison<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Car-insurance-comparison-in-Quebec-find-the-best-coverage\"><\/span>Car insurance comparison in Quebec: find the best coverage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>A car insurance comparison in Quebec consists of analyzing side-by-side the coverages, deductibles, exclusions and premiums of several insurers to find the optimal coverage for your driver profile. In Quebec, the Soci\u00e9t\u00e9 <a href=\"https:\/\/saaq.gouv.qc.ca\/\">de l&#8217;assurance automobile du Qu\u00e9bec (SAAQ)<\/a> public plan covers bodily injury, but every motorist must take out private insurance for property damage and civil liability. With more than 90 insurers and brokerages active in the province, premium differences can be as high as 30 to 50 per cent for the same driver and vehicle. Methodically comparing offers is therefore an essential step to protect your assets without overpaying. The <a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurance\">Autorit\u00e9 des march\u00e9s financiers (AMF)<\/a> recommends that all insureds regularly shop around for their coverage to ensure that it still meets their real needs.    <\/p>\n\n<p>This complete guide presents the essential elements to compare, the factors that influence your premium, the mistakes to avoid and a structured process to get the best car insurance in Quebec in 2026.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-to-compare-in-car-insurance-in-Quebec\"><\/span>What to compare in car insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Before requesting quotes, it is essential to understand the components of a <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\">car insurance<\/a> policy in Quebec. Each coverage meets a specific need and the level of protection chosen directly influences the cost of your annual premium. <\/p>\n\n<h3 class=\"wp-block-heading\">Chapter A &#8212; Civil Liability<\/h3>\n\n<p>Civil liability (RC) is the only mandatory coverage in Quebec. It covers damage you cause to other vehicles, to the property of others and, in certain circumstances, bodily injury that occurs outside Qu\u00e9bec. The legal minimum is set at $50,000, but adjusters and the <a href=\"https:\/\/www.ibc.ca\/\">Insurance Bureau of Canada (IBC)<\/a> recommend an amount of at least $2,000,000. In the event of a serious accident in Ontario or the United States, lawsuits can easily exceed a million dollars. The premium difference between $1,000,000 and $2,000,000 coverage is generally modest, in the range of $20 to $50 per year.    <\/p>\n\n<h3 class=\"wp-block-heading\">Chapter B1 &#8212; All Risks<\/h3>\n\n<p>All-risk coverage covers damage to your own vehicle, regardless of the cause: collision, theft, vandalism, fire, falling objects, ice storms, contact with animals, and more. This is the most comprehensive and expensive coverage. It is particularly recommended for newer vehicles, financed or leased, as the creditor usually requires it. With B1 protection, you are compensated even if you are at fault for the accident.   <\/p>\n\n<h3 class=\"wp-block-heading\">Chapter B2 &#8212; Collision and Rollover<\/h3>\n\n<p>Collision coverage only covers damage to your vehicle resulting from a collision with another vehicle, a fixed object or a rollover. It does not cover theft, vandalism or weather events. It represents a compromise between the complete protection of the B1 and the absence of physical protection. This choice is suitable for intermediate-aged vehicles whose value still warrants repair in the event of an impact, but not necessarily theft coverage.   <\/p>\n\n<h3 class=\"wp-block-heading\">Chapter B3 &#8212; Specified Risks<\/h3>\n\n<p>The B3 covers your vehicle against a specific list of perils: fire, lightning, theft, attempted robbery, hail, flood, riot, explosion and falling objects. Collision damage is not included. This coverage is economical and relevant for older vehicles where replacement in the event of theft is still desirable, but where a collision repair is no longer worth the investment.  <\/p>\n\n<h3 class=\"wp-block-heading\">Important Endorsements: FAQ 27 and FAQ 43<\/h3>\n\n<p>Two amendments deserve special attention during your comparison. The FAQ 27 (Quebec Third Party Liability) endorsement extends your liability coverage to the level required by other Canadian provinces or U.S. states when you drive there. The FAQ 43 (Amendment to Compensation) endorsement allows you to be compensated directly by your own insurer even if the other driver is at fault, which significantly speeds up the claims process. The <a href=\"https:\/\/www.chad.ca\/\">Chambre de l&#8217;assurance de dommages (ChAD)<\/a> points out that these two endorsements are almost essential for adequate protection in Quebec.   <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Comparison-table-of-car-coverage-in-Quebec\"><\/span>Comparison table of car coverage in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>The following table summarizes the main coverages available in a Quebec car insurance policy. It allows you to quickly visualize what&#8217;s included, what&#8217;s mandatory, and the typical impact on your premium. <\/p>\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><thead><tr><th>Blanket<\/th><th>What it covers<\/th><th>Mandatory?<\/th><th>Recommended for<\/th><th>Impact on the premium<\/th><\/tr><\/thead><tbody><tr><td>Civil liability (Chapter A)<\/td><td>Damage caused to others (vehicles, property, bodily injury outside QC)<\/td><td>Yes (min. $50,000)<\/td><td>All drivers<\/td><td>Premium basis<\/td><\/tr><tr><td>All risks (B1)<\/td><td>All damage to your vehicle (collision, theft, vandalism, bad weather)<\/td><td>No<\/td><td>New, Financed, or Lease Vehicles<\/td><td>High (+40-60%)<\/td><\/tr><tr><td>Collision and Rollover (B2)<\/td><td>Damage to your vehicle in a collision or rollover<\/td><td>No<\/td><td>Intermediate Vehicles<\/td><td>Medium (+25-40%)<\/td><\/tr><tr><td>Specified Risks (B3)<\/td><td>Theft, fire, hail, flood, lightning, falling objects<\/td><td>No<\/td><td>Older vehicles, outdoor parking<\/td><td>Low (+10-20%)<\/td><\/tr><tr><td>Amendment FAQ 27<\/td><td>Adjusts the RC to the requirements of other provinces and states<\/td><td>No<\/td><td>Drivers travelling outside Quebec<\/td><td>Minimal (+$5 to $15)<\/td><\/tr><tr><td>Amendment FAQ 43<\/td><td>Direct compensation by your insurer even if the other is at fault<\/td><td>No<\/td><td>All drivers (peace of mind)<\/td><td>Minimal (+$10 to $25)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p>When comparing quotes, make sure that each offer includes the same coverages, liability amounts and deductibles. Without this uniformity, the comparison has no real value. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Factors-that-influence-your-car-insurance-premium\"><\/span>Factors that influence your car insurance premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Understanding pricing factors allows you to better interpret price differences between quotes and identify levers you can use to reduce your premium.<\/p>\n\n<h3 class=\"wp-block-heading\">Age and driving experience<\/h3>\n\n<p>Drivers under the age of 25 typically pay significantly higher premiums due to the worse claims statistics for this age group. Conversely, experienced drivers between the ages of 35 and 65 benefit from the best rates, all other things being equal. Driving experience, measured in years of licence ownership, also plays a decisive role in the calculation of the premium.  <\/p>\n\n<h3 class=\"wp-block-heading\">Driving Record and Claims History<\/h3>\n\n<p>A clean driving record, with no violations or at-fault accidents, puts you in the best risk category and gives you access to the most advantageous premiums. Every violation of the Highway Safety Code or insurance claim in the last six years can result in an overload. Serious offenses like impaired driving can even make your coverage difficult to obtain from standard insurers, requiring a <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\">specialized auto insurance<\/a> quote.  <\/p>\n\n<h3 class=\"wp-block-heading\">Vehicle make, model and year<\/h3>\n\n<p>The type of vehicle insured has a direct influence on the premium. Insurers assess the average cost of repair, frequency of theft, replacement value, and safety of the vehicle. A luxury SUV will cost significantly more to insure than a compact sedan. To find out the precise impact of your vehicle, consult our <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-rate-comparison-by-car-brand\/\">comparison of rates by brand<\/a> which details the differences in premiums according to the most popular manufacturers in Quebec.   <\/p>\n\n<h3 class=\"wp-block-heading\">Region and location<\/h3>\n\n<p>Where you live is a major factor in pricing. Metropolitan areas such as Montreal and Laval have higher loss rates, theft and vandalism rates than rural areas, which is reflected in premiums. The type of parking (garage, indoor parking, street) also influences the cost. To find out the average premiums in your area, explore our <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-in-quebec\/\">car insurance by city<\/a> section.   <\/p>\n\n<h3 class=\"wp-block-heading\">Annual mileage and vehicle usage<\/h3>\n\n<p>The more you drive, the higher the statistical risk of an accident. A vehicle used solely for pleasure or weekend travel will cost less to insure than a vehicle used for a 60-kilometre daily commute. Commercial use of the vehicle generally incurs a higher premium than personal use. Since the pandemic and the widespread use of telecommuting, many insurers have been offering discounts to low-mileage drivers.   <\/p>\n\n<h3 class=\"wp-block-heading\">Choice of Franchise<\/h3>\n\n<p>The deductible is the amount you pay out of pocket before the insurer steps in on a claim. Common deductibles range from $250 to $1,000 to $2,500. The higher the deductible, the lower the premium. However, you must choose an amount that you are actually able to pay in the event of a claim. A deductible of $1,000 instead of $500 can reduce your premium by 10 to 20% on the specified collision and perils portion.    <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-effectively-compare-your-car-insurance\"><\/span>How to effectively compare your car insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Comparing car insurance quotes is not just about looking at the final price. Here&#8217;s a five-step process to help you make an informed choice and get the best coverage possible. <\/p>\n\n<h3 class=\"wp-block-heading\">Step 1: Define your real needs<\/h3>\n\n<p>Before taking any action, assess your situation: current value of your vehicle, financial capacity to absorb a high deductible, use of the vehicle (personal, professional, mixed), frequency of travel outside Quebec, and presence of occasional drivers in your household. These elements determine the minimum coverage you need. A paid vehicle with a market value of less than $5,000 probably does not warrant all-risk coverage with a $250 deductible. Conversely, a new financed vehicle must be covered in B1 with the amendments FAQ 27 and FAQ 43.   <\/p>\n\n<h3 class=\"wp-block-heading\">Step 2: Gather all the necessary information<\/h3>\n\n<p>To get accurate and comparable quotes, you&#8217;ll need a variety of information: all drivers&#8217; licence numbers, vehicle serial numbers (VINs), driving history for the past six years, claims history, estimated annual mileage, parking address, and current coverages if you&#8217;re already insured. Having this information on hand speeds up the process and ensures the accuracy of the submissions received. <\/p>\n\n<h3 class=\"wp-block-heading\">Step 3: Use an insurance broker<\/h3>\n\n<p>A <a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/car-insurance-broker-comparator\/\">car insurance broker<\/a> is the most effective comparison tool in Quebec. Unlike an agent tied to a single insurer, the broker has access to multiple markets and can compare offers from many insurers on your behalf. He knows the particularities of each company, the discounts available and the subtle exclusions that you might miss when comparing alone. The broker is paid by the insurer, which means that its comparison and advisory services are free of charge for you. The <a href=\"https:\/\/www.chad.ca\/\">ChAD<\/a> certifies all damage insurance brokers in Quebec.    <\/p>\n\n<h3 class=\"wp-block-heading\">Step 4: Compare apples to apples<\/h3>\n\n<p>This is the most common mistake: comparing two quotes that don&#8217;t include the same coverage. For the comparison to be valid, each quote must have the same liability amounts, the same types of coverage (B1, B2 or B3), the same deductibles, the same endorsements and the same named drivers. Create a table with these parameters and fill it in for each submission received. Only this structured method makes it possible to identify the best real offer and not just the cheapest one in appearance.   <\/p>\n\n<h3 class=\"wp-block-heading\">Step 5: Check for exclusions and conditions<\/h3>\n\n<p>Read the exclusions in each policy carefully. Some insurers exclude damage caused by certain natural disasters, modifications to the vehicle, use for paid carpooling or food delivery. Also check the cancellation conditions, waiting periods and claims settlement mechanisms. The <a href=\"https:\/\/saaq.gouv.qc.ca\/\">SAAQ<\/a> covers bodily injury in Quebec, but the exclusions in your private policy can leave you without physical protection in some specific situations.   <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Common-mistakes-to-avoid-when-comparing\"><\/span>Common mistakes to avoid when comparing<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Several mistakes frequently come up among consumers who compare their car insurance. Avoiding these pitfalls can save you thousands of dollars in the long run and adequately protect you in the event of a loss. <\/p>\n\n<h3 class=\"wp-block-heading\">Always choose the lowest price<\/h3>\n\n<p>The lowest price is not necessarily the best deal. A very low premium can hide high deductibles, numerous exclusions, a minimal amount of liability or poor claims service. In the event of a major loss, the difference between a strong insurer and a discount insurer can be tens of thousands of dollars out of pocket. The <a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurance\">AMF<\/a> reminds us that the price must be considered according to the quality of the coverage and service.   <\/p>\n\n<h3 class=\"wp-block-heading\">Neglecting the amount of liability<\/h3>\n\n<p>Too many Quebecers keep the legal minimum of $50,000 in civil liability, an amount set for decades and totally insufficient in 2026. A single serious accident involving bodily injury outside Quebec can generate claims of several million dollars. The difference in premium between $50,000 and $2,000,000 in liability insurance is often less than $100 per year, a paltry investment for the coverage offered. Check out our <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\">car insurance<\/a> page to understand the implications of insufficient liability insurance.   <\/p>\n\n<h3 class=\"wp-block-heading\">Forget about essential amendments<\/h3>\n\n<p>The FAQ 27 and FAQ 43 endorsements cost only a few dollars per month, but their absence can create financially disastrous situations. FAQ 27 protects you when you drive outside Quebec, where insurance plans are different. FAQ 43 simplifies the claims process and saves you the delays associated with determining liability. Not including them to save $30 a year is a risky choice that can cost a lot of money when you need them.   <\/p>\n\n<h3 class=\"wp-block-heading\">Not reporting changes to the vehicle<\/h3>\n\n<p>Any modifications to your vehicle &#8212; performance system, body kit, oversized wheels, premium audio system, lowered suspension &#8212; must be reported to your insurer. In the event of a claim, the insurer may refuse to compensate for damages related to undeclared changes, or even cancel your policy for misrepresentation. Similarly, a change of use (personal to commercial, addition of delivery) must be communicated without delay. <a href=\"https:\/\/www.ibc.ca\/\">IBC<\/a> insists on the obligation of total transparency towards your insurer.   <\/p>\n\n<h3 class=\"wp-block-heading\">Not shopping every year<\/h3>\n\n<p>Insurance rates fluctuate annually based on many factors: insurer claims results, changes in the auto repair market, legislative changes and competition between companies. An insurer that offered the best price last year will not necessarily be the most competitive this year. Make it a habit to compare your options at least 30 days before each renewal. This discipline can save you $200 to $500 per year without any extra effort beyond the initial comparison.   <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Compare-by-Vehicle-Brand\"><\/span>Compare by Vehicle Brand<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>The choice of vehicle has a direct and measurable impact on the cost of your car insurance. Each manufacturer and model has different risk profiles based on repair, theft and loss statistics. We&#8217;ve prepared detailed guides for the most popular brands in Quebec to help you understand how your vehicle influences your premium.  <\/p>\n\n<p>Check out our specialized pages by brand for specific pricing information: <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/honda-car-insurance-2\/\">Honda car insurance<\/a>, <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/hyundai-car-insurance\/\">Hyundai car insurance<\/a>, <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/ford-car-insurance-2\/\">Ford car insurance<\/a>, <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/bmw-car-insurance-quick-online-quote\/\">BMW car insurance<\/a>, <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/nissan-car-insurance\/\">Nissan car insurance<\/a> and <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/volkswagen-car-insurance-quote\/\">Volkswagen car insurance<\/a>. These comparisons show you the differences in premiums between models of the same brand and the factors specific to each manufacturer that influence the pricing of Quebec insurers. <\/p>\n\n<p>In general, Japanese and Korean vehicles tend to offer more competitive premiums due to their lower repair costs and recognized reliability. European luxury vehicles command higher premiums due to the price of parts and the specialized labor required. The most stolen vehicles in Quebec, such as certain Honda Civic and Hyundai Tucson models, also suffer specific surcharges.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Get-your-free-quote\"><\/span>Get your free quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>You now have all the knowledge you need to make an informed comparison of your car insurance in Quebec. The next step is to take action and get competitive quotes tailored to your profile. <\/p>\n\n<p>Fill out our <a href=\"https:\/\/www.assur360.ca\/en\/fast-online-car-quote\/\">online quick car quote form<\/a> to receive a personalized offer from a certified broker in your area. The process takes less than five minutes and doesn&#8217;t commit you to anything. Our partner brokers compare the offers of several insurers to present you with the optimal coverage at the best price.  <\/p>\n\n<p>Want to explore other types of insurance? Discover all of our <a href=\"https:\/\/www.assur360.ca\/en\/quote-insurance-product\/\">insurance products<\/a> to protect all your belongings with the same rigor of comparison. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-about-car-insurance-comparison\"><\/span>Frequently asked questions about car insurance comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div class=\"wpseopress-faq-block is-layout-flow wp-block-wpseopress-faq-block-v2-is-layout-flow\">\n\n\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>What is the best car insurer in Quebec?<\/summary>\n\n<p>There is no better universal insurer. The best insurer depends on your specific profile: age, driving record, vehicle, region and desired coverage. An insurer that offers the best rate for a young driver in Montreal will not necessarily be the most competitive for an experienced driver in the region. This is why the use of an insurance broker, who compares several markets, remains the most reliable method of identifying the optimal insurer for your situation.   <\/p>\n\n<\/details>\n\n\n\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>How many insurers should I compare?<\/summary>\n\n<p>Ideally, compare at least three to five bids to get a representative picture of the market. An insurance broker typically has access to a dozen or more insurers, allowing them to cast a wide net on your behalf. If you&#8217;re shopping with direct insurers on your own, aim for a minimum of four quotes with identical coverages for the comparison to be meaningful.  <\/p>\n\n<\/details>\n\n\n\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>Can I change insurer during the course of my contract?<\/summary>\n\n<p>Yes, you can cancel your car insurance policy at any time in Quebec with written notice. However, termination during the term may result in a prorated short-term brokerage fee. It is usually more beneficial to schedule the change for the renewal date. Notify your new insurer of the desired effective date to avoid any interruption of coverage, which would be a violation of the Highway Safety Code.   <\/p>\n\n<\/details>\n\n\n\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>What is the ideal deductible for car insurance?<\/summary>\n\n<p>The ideal deductible is one that you can comfortably pay in the event of a claim without putting your finances in difficulty. The $500 deductible is the most common choice in Quebec, offering a good balance between premium and financial exposure. If you have a strong emergency fund, a $1,000 deductible can reduce your premium by 10 to 20 per cent. For an older vehicle of lesser value, a high deductible of $1,000 or more often makes sense since small claims don&#8217;t warrant a claim.   <\/p>\n\n<\/details>\n\n\n\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>How can a young driver pay less?<\/summary>\n\n<p>There are several strategies that can be used to reduce a young driver&#8217;s premium: take a driving course recognized by the SAAQ, be named a secondary driver on a parent&#8217;s policy, choose a vehicle with a low cost of insurance, opt for a higher deductible, maintain an impeccable driving record and apply for student discounts offered by certain insurers. Telematics, which measures your actual driving, can also provide access to significant discounts for young people who drive safely. <\/p>\n\n<\/details>\n\n\n\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>Does multi-product bundling give a discount?<\/summary>\n\n<p>Yes, most insurers offer bundling (or multi-product) discounts when you combine your car insurance with other products like home insurance. These discounts vary from 5% to 15% depending on the company and can represent savings of several hundred dollars per year. Some insurers also offer multi-vehicle discounts if you insure more than one vehicle on the same policy.  <\/p>\n\n<\/details>\n\n\n\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>Is telematics worth it?<\/summary>\n\n<p>Telematics consists of installing a device or application that records your driving habits: speed, braking, acceleration, driving hours and mileage. If you&#8217;re a safe driver who drives mostly during the day and avoids hard braking, telematics can give you 10 to 25 per cent off your premium. It is particularly beneficial for young and low-mileage drivers who want to demonstrate their true risk profile rather than being priced based on their demographic statistics.  <\/p>\n\n<\/details>\n\n\n\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>Does an electric vehicle cost more to insure?<\/summary>\n\n<p>In 2026, electric vehicles (EVs) typically cost 10 to 20 percent more to insure than their gasoline-powered counterparts. This difference is due to the higher cost of repairs (battery, specialized electronic components), the limited number of certified repair shops and the higher replacement value of parts. However, the gap tends to decrease as the EV fleet increases in Quebec and repair chains develop. Some insurers now offer specialized products for EVs with competitive rates.   <\/p>\n\n<\/details>\n\n\n\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>Does a criminal record affect my car insurance premium?<\/summary>\n\n<p>A criminal record, especially for driving-related offences (impaired driving, hit-and-run, dangerous driving), can significantly increase your premium or even make you ineligible with standard insurers. You will then have to turn to the non-standard market or the Groupement des assureurs automobiles (GAA), which is the insurer of last resort in Quebec. Surcharges can be as high as 200 to 400 per cent of the normal premium and gradually fade over a period of three to six years without a new offence.  <\/p>\n\n<\/details>\n\n\n\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>How often should I shop around for car insurance?<\/summary>\n\n<p>The best practice is to compare your options annually, ideally 30 to 60 days before your policy renewal date. Rates change annually according to competition, the claims experience of each insurer and legislative changes. Even if you&#8217;re happy with your current insurer, getting competing quotes gives you bargaining leverage and ensures you don&#8217;t overpay. An insurance broker can perform this annual comparison on your behalf at no cost.   <\/p>\n\n<\/details>\n\n\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"url\": \"https:\/\/www.assur360.ca\/assurance-auto\/comparatif\/\", \"@id\": \"https:\/\/www.assur360.ca\/assurance-auto\/comparatif\/\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Quel est le meilleur assureur auto au Qu\u00e9bec?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Il n'existe pas de \u00ab meilleur \u00bb assureur universel. Le meilleur assureur d\u00e9pend de votre profil. Un courtier compare les offres de 25+ assureurs pour trouver celui qui offre le meilleur rapport couverture\/prix pour votre situation.\"}}, {\"@type\": \"Question\", \"name\": \"Combien d'assureurs devrais-je comparer?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"L'AMF recommande de comparer au moins 3 offres. 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C'est l'une des \u00e9conomies les plus faciles \u00e0 obtenir.\"}}, {\"@type\": \"Question\", \"name\": \"La t\u00e9l\u00e9matique r\u00e9duit-elle vraiment la prime?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, les programmes de conduite connect\u00e9e peuvent r\u00e9duire votre prime de 5 \u00e0 25% selon votre comportement au volant.\"}}, {\"@type\": \"Question\", \"name\": \"Un v\u00e9hicule \u00e9lectrique co\u00fbte-t-il plus cher \u00e0 assurer?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"G\u00e9n\u00e9ralement 10-25% plus cher qu'un v\u00e9hicule \u00e0 essence comparable, en raison du co\u00fbt de la batterie et des pi\u00e8ces sp\u00e9cialis\u00e9es.\"}}, {\"@type\": \"Question\", \"name\": \"Un dossier criminel affecte-t-il la prime?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, certaines infractions peuvent augmenter significativement la prime. 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