{"id":15655,"date":"2023-08-21T13:46:35","date_gmt":"2023-08-21T17:46:35","guid":{"rendered":"https:\/\/www.assur360.ca\/car-insurance-broker-comparator\/"},"modified":"2026-04-21T14:13:50","modified_gmt":"2026-04-21T18:13:50","slug":"car-insurance-broker-comparator","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/car-insurance-broker-comparator\/","title":{"rendered":"Car insurance broker: Comparator"},"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<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InsuranceAgency\",\"name\":\"Assur360\",\"url\":\"https:\/\/www.assur360.ca\",\"telephone\":\"+1-866-357-4451\",\"logo\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/logo-assur360.png\",\"address\":{\"@type\":\"PostalAddress\",\"addressLocality\":\"Thetford Mines\",\"addressRegion\":\"QC\",\"addressCountry\":\"CA\"},\"areaServed\":\"Qu\u00e9bec\",\"priceRange\":\"$$\",\"description\":\"Courtier d'assurance auto certifi\u00e9 AMF au Qu\u00e9bec \u2014 comparaison de 25+ assureurs en 3 minutes.\"}\n<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.7;\">An <strong>auto insurance broker in Quebec<\/strong> is a professional certified by the <a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurance\" target=\"_blank\" rel=\"noreferrer noopener\">Autorit\u00e9 des march\u00e9s financiers (AMF)<\/a> who acts as an independent intermediary between you and several insurance companies. Unlike a captive agent linked to a single insurer, the broker compares the offers of dozens of insurers to find you the best coverage at the best price. <strong>Assur360<\/strong> brings together a network of 13 AMF brokerage firms in Quebec and compares more than 25 insurers in a few minutes. <\/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;\">COURTIER ASSURANCE AUTO<\/p>\n  <h2 style=\"color:#fff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Un-seul-courtier-25-assureurs-compares\"><\/span>Un seul courtier, 25+ assureurs compar\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Soumission en 3 minutes, sans engagement, 100 % gratuite. Nos courtiers AMF n\u00e9gocient le meilleur tarif pour vous.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-auto-rapide-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;\">Obtenir ma soumission auto<\/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;\">25+<\/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;\">Quick Quote<\/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;\">25 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Medium Savings<\/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;\">100 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">AMF Brokers<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Car-insurance-broker-definition-and-role\"><\/span>Car insurance broker: definition and role<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">A damage insurance broker is an independent professional, certified by the AMF, who represents the consumer and not the insurer. His mandate is simple: find the policy that meets your real needs at the best rate, among several companies. Unlike a captive agent (linked to a single insurer such as Desjardins or Intact), a broker has a fiduciary duty to you and must act in your best interests. In Quebec, all brokers must hold a licence issued by the <a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurance\" target=\"_blank\" rel=\"noreferrer noopener\">AMF<\/a> and comply with the code of ethics of the <a href=\"https:\/\/www.chad.ca\/\" target=\"_blank\" rel=\"noreferrer noopener\">Chambre de l&#8217;assurance de dommages (ChAD).<\/a>   <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-use-a-car-insurance-broker\"><\/span>Why use a car insurance broker?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Le march\u00e9 de l&#8217;<a href=\"https:\/\/www.assur360.ca\/assurance-auto\/\">assurance automobile<\/a> au Qu\u00e9bec compte plus de 25 assureurs priv\u00e9s, chacun avec ses propres grilles tarifaires, rabais et exclusions. Un courtier vous \u00e9vite de faire 25 appels en comparant pour vous les offres pertinentes \u00e0 votre profil. Selon le <a href=\"https:\/\/www.ibc.ca\/\" target=\"_blank\" rel=\"noreferrer noopener\">Bureau d&#8217;assurance du Canada (BAC)<\/a>, les conducteurs qu\u00e9b\u00e9cois qui magasinent leur assurance \u00e9conomisent en moyenne 15 \u00e0 25 % sur leur prime annuelle.<\/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;\">\ud83d\udd0d<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Objective comparison<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Your broker compares 10 to 30 insurers simultaneously depending on your driver, vehicle and record profile.<\/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\udcb0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Bonus negotiation<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Access to exclusive fee schedules and multi-product discounts (car + home) negotiated by the broker.<\/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\udee1\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Your advocate<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">In the event of a claim, the broker defends your interests with the insurer, not the other way around as a captive agent.<\/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\udccb<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Personalized service<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Complete analysis of your needs: mileage, usage, history, family situation and budget.<\/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\udd93<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Free service<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The broker is paid by the insurers in the form of a commission, never by you. 100% free quote. <\/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;\">\u2696\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Certification AMF<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">All our brokers are AMF certified and members of the ChAD, guaranteeing expertise and ethics.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Broker-vs-direct-insurer-vs-online-comparator\"><\/span>Broker vs. direct insurer vs. online comparator<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Avant de choisir comment souscrire votre <a href=\"https:\/\/www.assur360.ca\/blog\/assurance\/voiture\/\">assurance auto<\/a>, il est important de comprendre les diff\u00e9rences entre les trois principales options disponibles au Qu\u00e9bec.<\/p>\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:#fff;\"><th style=\"padding:14px 16px;text-align:left;\">Criterion<\/th><th style=\"padding:14px 16px;text-align:left;\">Independent broker<\/th><th style=\"padding:14px 16px;text-align:left;\">Direct insurer<\/th><th style=\"padding:14px 16px;text-align:left;\">Assur360 (comparator)<\/th><\/tr><\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Number of insurers<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">10 to 30<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">1 Single<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">network of 13 firms<\/td><\/tr>\n      <tr><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Personalized advice<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Yes, in person or by phone<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Limited to internal products<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Yes, assigned broker<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Premium negotiation<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Yes<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">No, fixed fee<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Yes, via broker<\/td><\/tr>\n      <tr><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Assistance in the event of a claim<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Your defender<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Represents the insurer<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Your defender via broker<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Cost of the service<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Free<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><\/td><\/tr>\n      <tr><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Speed<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Appointment required<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Fast online<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Quote 3 min<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Multi-product discount<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">5 to 15 %<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Variable<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">5 to 20 %<\/td><\/tr>\n      <tr><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">AMF certification<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Yes<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Yes<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Yes (100%)<\/td><\/tr>\n    <\/tbody>\n  <\/table>\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;\">Assur360&#8217;s advice<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">With Assur360, you combine <strong style=\"color:#fff;\">the speed of an online comparison tool<\/strong>, the expertise of an AMF broker and access to a network of 25+ insurers. One quote, 25 offers compared, the best price. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-the-broker-assesses-your-car-insurance-needs\"><\/span>How the broker assesses your car insurance needs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Each Quebec driver has a unique profile that directly influences the cost of their insurance premium. An experienced broker analyzes the following factors to recommend the optimal coverage:<\/p>\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;\">Analysis of your driving record<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Number of demerit points, Highway Safety Code violations, accident history over the last 6 years, years of driving experience.<\/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;\">Vehicle Evaluation<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Year, make, model, market value, IIHS safety rating and theft rate. The Honda CR-V, Lexus RX and Toyota Highlander are among the most stolen in Quebec. <\/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;\">Usage and mileage<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Pleasure, home-work, professional use, annual mileage, parking (closed garage vs. public street).<\/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;\">Place of residence<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Premiums vary considerably between <a href=\"\/villes\/\">Montreal, Quebec City, Gatineau and the regions<\/a>. A broker knows the intricacies of pricing by zip code. <\/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;\">5<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Font grouping<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Possibility of bundling home, auto, <a href=\"https:\/\/www.assur360.ca\/en\/motorcycle-insurance-7\/\">motorcycle<\/a> and <a href=\"\/assurance-vr\/\">RV<\/a> <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\">insurance<\/a> for a multi-product discount of 5 to 20%.<\/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;\">6<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Risk tolerance<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Higher deductibles = lower premiums, but more costs in the event of a claim. The broker finds your optimal balance. <\/p><\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Car-insurance-coverage-in-Quebec\"><\/span>Car insurance coverage in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">In Quebec, the automobile insurance plan is mixed: the <a href=\"https:\/\/saaq.gouv.qc.ca\/\" target=\"_blank\" rel=\"noreferrer noopener\">SAAQ<\/a> covers bodily injury (regardless of fault), while private insurance covers property damage. Your broker helps you choose from these essential protections: <\/p>\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:#fff;\"><th style=\"padding:14px 16px;text-align:left;\">Protection<\/th><th style=\"padding:14px 16px;text-align:left;\">What does it cover<\/th><th style=\"padding:14px 16px;text-align:left;\">Mandatory?<\/th><\/tr><\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Civil liability (Chapter A)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Damage caused to third parties (vehicle, property, injuries abroad)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Yes, min. $50,000<\/td><\/tr>\n      <tr><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Collision (Chapter B2)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Damage to your vehicle following an accident<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">No, but recommended<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Specified Hazards (B3)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Fire, Theft, Vandalism, Hail, Falling Objects<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">No<\/td><\/tr>\n      <tr><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">All perils (B1)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Collision + specified perils + all damage not excluded<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">No<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Replacement Cost (FAQ 43A)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Replacement for 24-48 months<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">No<\/td><\/tr>\n      <tr><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Replacement vehicle<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Rental of a vehicle during repairs<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">No<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-choose-your-car-insurance-broker-in-Quebec\"><\/span>How to choose your car insurance broker in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Tous les courtiers ne se valent pas. Avant de confier votre dossier d&#8217;<a href=\"https:\/\/www.assur360.ca\/produit-assurance\/\">assurance auto<\/a> \u00e0 un professionnel, v\u00e9rifiez ces 6 crit\u00e8res essentiels :<\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">1. Check the AMF licence<\/h3>\n    <p style=\"color:#334155;font-size:14px;margin:0;line-height:1.6;\"><a href=\"https:\/\/lautorite.qc.ca\/grand-public\/registres\/registre-des-entreprises-et-des-individus-autorises-a-exercer\" target=\"_blank\" rel=\"noreferrer noopener\">Consult the AMF&#8217;s public registry<\/a> to validate the certification of the dealer and the firm.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">2. Number of insurers represented<\/h3>\n    <p style=\"color:#334155;font-size:14px;margin:0;line-height:1.6;\">Ask how many insurers the broker can use. Minimum 5, ideally 10+ for a real comparison. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">3. Years of experience<\/h3>\n    <p style=\"color:#334155;font-size:14px;margin:0;line-height:1.6;\">A broker with 5+ years of experience is more familiar with the intricacies of contracts and exclusive discounts.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">4. Specialties offered<\/h3>\n    <p style=\"color:#334155;font-size:14px;margin:0;line-height:1.6;\">Some brokers specialize in <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\">sub-standard cases<\/a>, luxury vehicles, <a href=\"https:\/\/www.assur360.ca\/en\/motorcycle-insurance-7\/\">fleets, or motorcycles<\/a>.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">5. Availability<\/h3>\n    <p style=\"color:#334155;font-size:14px;margin:0;line-height:1.6;\">Opening hours, 24-hour response to emails, 24\/7 emergency service in case of disaster.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">6. Verified Customer Reviews<\/h3>\n    <p style=\"color:#334155;font-size:14px;margin:0;line-height:1.6;\">Check out Google Reviews and the ChAD rating. Avoid firms with unresolved complaints to the AMF. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-Quote-Process-with-an-Assur360-Broker\"><\/span>The Quote Process with an Assur360 Broker<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;\">Fill out the form in 3 minutes<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Your contact details, your vehicle and your driver profile. No credit card required. <\/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;\">An AMF broker contacts you<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Within 24 business hours, a certified broker analyzes your file and solicits 5 to 10 insurers.<\/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;\">You receive the best offers<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Side-by-side comparison with explanation of coverages, deductibles and discounts.<\/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;\">Online or telephone subscription<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Electronic signature, monthly or annual payment, delivery of the policy by email. Immediate coverage. <\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;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;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">Beware of fake online brokers<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">Since 2022, the AMF has sanctioned several sites offering insurance without a valid licence. Always validate the firm&#8217;s licence number on the AMF&#8217;s official register before submitting your personal information. <\/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;\">COMPARAISON INSTANTAN\u00c9E<\/p>\n  <h3 style=\"color:#fff;font-size:28px;margin:0 0 16px;\">\u00c9conomisez jusqu&#8217;\u00e0 25 % sur votre prime auto<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Un seul formulaire, 25+ assureurs compar\u00e9s, meilleure offre garantie.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-auto-rapide-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 auto en 3 minutes<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Factors-that-affect-your-car-insurance-premium\"><\/span>Factors that affect your car insurance premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Understanding what influences your premium helps you ask your broker the right questions and identify savings levers. Here are the top 10 factors analyzed by Quebec insurers: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Driver age<\/strong> \u2014 those under 25 pay 40 to 80 percent more on average<\/li>\n\n\n\n<li><strong>Gender (in some provinces)<\/strong> \u2014 in Quebec, rates have been unisex since 2015<\/li>\n\n\n\n<li><strong>Length of licence<\/strong> \u2013 more experience = lower premium (minimum 3 to 5 years)<\/li>\n\n\n\n<li><strong>Place of residence<\/strong> \u2014 Montreal vs. Trois-Rivi\u00e8res can represent a 30% difference<\/li>\n\n\n\n<li><strong>The type of vehicle<\/strong> \u2014 sports cars and SUVs have higher premiums<\/li>\n\n\n\n<li><strong>Annual mileage<\/strong> \u2014 less than 12,000 km = &#8220;low mileage&#8221; discount<\/li>\n\n\n\n<li><strong>Driving record<\/strong> \u2014 each offence remains on file for 3 to 6 years<\/li>\n\n\n\n<li><strong>Previous claims<\/strong> \u2014 direct effect on premium for 6 years<\/li>\n\n\n\n<li><strong>Credit score<\/strong> \u2014 some insurers offer a discount if credit is granted<\/li>\n\n\n\n<li><strong>Bundling<\/strong> \u2014 car + home = 5 to 20% savings with most insurers<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Our-car-insurance-brokers-throughout-Quebec\"><\/span>Our car insurance brokers throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Assur360 serves all regions of Quebec through its network of 13 AMF brokerage firms. Whether you live in the city or in the region, a local broker understands the particularities of your area (risk of theft, traffic density, winter conditions). Our brokers are present in <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Longueuil<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>L\u00e9vis<\/strong>, <strong>Terrebonne<\/strong>, <strong>Saint-Jean-sur-Richelieu<\/strong>, <strong>Thetford Mines<\/strong> and <strong>Drummondville<\/strong>. Regardless of your postal code, our system assigns you the broker best placed to get the best rate for your profile.   <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Insurance-products-offered-by-your-Assur360-brokers\"><\/span>Insurance products offered by your Assur360 brokers<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\/en\/car-insurance-3-minute-quote\/\" 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;\">Standard Car Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Civil liability, collision, all perils for drivers with a clean record.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\" 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;\">Substandard car insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">For cases with offences, complaints or probationary licences.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\" 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;\">Home insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Homeowners, renters, condos \u2014 multi-product rebate with car.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/motorcycle-insurance-7\/\" 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;\">Motorcycle insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Sporty, cruiser, road, off-road, winter storage included.<\/p>\n  <\/a>\n  <a href=\"\/assurance-vr\/\" 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 trailer insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Caravan, motorized, Class A\/B\/C, 5th wheel, fifth-wheel.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" 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;\">Business Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Commercial auto fleet, professional liability, property, cyber, E&#038;O.<\/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-Broker\"><\/span>Frequently Asked Questions \u2014 Car Insurance Broker<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;\">What exactly is a car insurance broker?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">A damage insurance broker is a professional certified by the AMF who acts as an independent intermediary between you and several insurance companies. Their role is to shop around for your policy, negotiate the price and defend you in the event of a loss. It is remunerated by insurers in the form of a commission, so free of charge for the consumer.  <\/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 it more expensive to go through a broker?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No, on the contrary. The brokerage service is completely free for the consumer \u2014 the broker is paid by the insurer. By comparing several offers, a broker will generally save you between 15 and 25% compared to a direct quote with a single insurer.  <\/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 change brokers at any time?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, you are free to switch brokers whenever you want. All you have to do is send a Broker of Record (BOR) letter to the current insurer, without any penalty. Your new broker can take care of this for 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;\">What is the difference between an insurance broker and an insurance agent?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">A broker is independent and represents the consumer, with access to 10-30 insurers. A captive agent is employed by a single company (e.g., Desjardins, Intact Direct) and can only offer you products from his employer. In Quebec, the AMF issues both types of licences, but they have different duties.  <\/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;\">Online Virtual Broker vs Local Broker: What to Choose?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Both models are valid. A virtual broker offers speed, extensive availability, and often digital discounts. A local broker offers in-person human contact and is familiar with regional peculiarities. With Assur360, you get the benefits of both: fast online quote + assigned local MFA broker.   <\/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 many insurers does my broker need to represent?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">A good broker should have access to at least 5 different insurers, ideally 10 or more. The large firms work with 20 to 30 companies, which multiplies your chances of getting the best price and the coverage adapted to your profile (young driver, luxury vehicle, <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\">sub-standard record<\/a>, etc.). <\/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 a broker help me if I have a sub-standard record?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Absolutely. This is even the biggest advantage of a broker. If you have a difficult file (accidents, offences, probationary licence, convictions), a broker has access to <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\">insurers specializing in substandard car insurance<\/a> that do not appear on mainstream sites. <\/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;\">Does my broker help me with a claim?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, it&#8217;s one of his main roles. Your broker will assist you in declaring the claim, the required documentation, negotiating the amount of compensation and following up with the claims adjuster. He defends your interests vis-\u00e0-vis the insurer, not the other way around.  <\/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 do I check if a broker is AMF certified?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><a href=\"https:\/\/lautorite.qc.ca\/grand-public\/registres\/registre-des-entreprises-et-des-individus-autorises-a-exercer\" target=\"_blank\" rel=\"noreferrer noopener\">Consult the AMF&#8217;s public register<\/a>. You can search by name, licence number or company. Assur360 and its 13 partner firms are all registered and in good standing.  <\/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 long does it take to get a quote from Assur360?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The online form takes 3 minutes to complete. You receive an initial contact from an AMF broker within 24 business hours. The final quote, including the comparison of 5 to 10 insurers, is usually delivered within 48 hours. The policy is purchased and activated on the same day once you accept the offer.   <\/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 my broker manage multiple vehicles or a fleet?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. A broker can bundle several vehicles on the same policy (multi-vehicle discount of 5 to 15%) or structure an entire commercial fleet via our <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\">business insurance<\/a>. Specific options exist for taxis, Uber, trucking, delivery and rental. <\/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;\">What documents do I need to provide for the quote?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Your driver&#8217;s licence, vehicle registration certificate, current policy (if renewed) and your FADQ driving record (provided by the SAAQ). For drivers with offences, a detailed statement is required. Your broker can obtain the FADQ file directly from the SAAQ with your authorization.  <\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"C'est quoi exactement un courtier en assurance auto?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un courtier en assurance de dommages est un professionnel certifi\u00e9 par l'AMF qui agit comme interm\u00e9diaire ind\u00e9pendant entre vous et plusieurs compagnies d'assurance. Son r\u00f4le est de magasiner votre police, de n\u00e9gocier le prix et de vous d\u00e9fendre en cas de sinistre. Il est r\u00e9mun\u00e9r\u00e9 par les assureurs sous forme de commission, donc gratuit pour le consommateur.\"}},{\"@type\":\"Question\",\"name\":\"Est-ce plus cher de passer par un courtier?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non, le service de courtage est enti\u00e8rement gratuit pour le consommateur. Le courtier est r\u00e9mun\u00e9r\u00e9 par l'assureur. En comparant plusieurs offres, un courtier vous fait g\u00e9n\u00e9ralement \u00e9conomiser entre 15 et 25 % par rapport \u00e0 une soumission directe chez un seul assureur.\"}},{\"@type\":\"Question\",\"name\":\"Puis-je changer de courtier \u00e0 tout moment?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, vous \u00eates libre de changer de courtier quand vous le souhaitez via une lettre de transfert (BOR) \u00e0 l'assureur actuel, sans p\u00e9nalit\u00e9.\"}},{\"@type\":\"Question\",\"name\":\"Quelle est la diff\u00e9rence entre un courtier et un agent d'assurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un courtier est ind\u00e9pendant et repr\u00e9sente le consommateur avec acc\u00e8s \u00e0 10-30 assureurs. Un agent captif est employ\u00e9 par une seule compagnie et ne peut offrir que les produits de son employeur.\"}},{\"@type\":\"Question\",\"name\":\"Courtier virtuel en ligne vs courtier local : que choisir?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les deux mod\u00e8les sont valides. Avec Assur360 vous obtenez les deux : soumission en ligne rapide + courtier AMF local assign\u00e9 selon votre code postal.\"}},{\"@type\":\"Question\",\"name\":\"Combien d'assureurs mon courtier doit-il repr\u00e9senter?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Minimum 5 assureurs, id\u00e9alement 10 ou plus. Les grands cabinets travaillent avec 20 \u00e0 30 compagnies.\"}},{\"@type\":\"Question\",\"name\":\"Un courtier peut-il m'aider si j'ai un dossier sous-standard?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, un courtier a acc\u00e8s \u00e0 des assureurs sp\u00e9cialis\u00e9s en assurance auto sous-standard qui n'apparaissent pas sur les sites grand public.\"}},{\"@type\":\"Question\",\"name\":\"Mon courtier m'aide-t-il en cas de r\u00e9clamation?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, votre courtier vous accompagne dans la d\u00e9claration du sinistre, la documentation, la n\u00e9gociation du montant d'indemnisation et le suivi avec l'expert en sinistre.\"}},{\"@type\":\"Question\",\"name\":\"Comment v\u00e9rifier si un courtier est certifi\u00e9 AMF?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Consultez le registre public de l'AMF et recherchez par nom, num\u00e9ro de permis ou entreprise. Assur360 et ses 13 cabinets partenaires y sont inscrits.\"}},{\"@type\":\"Question\",\"name\":\"Combien de temps prend une soumission chez Assur360?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le formulaire prend 3 minutes. Premier contact courtier sous 24 h ouvrables. Soumission finale sous 48 h.\"}}]}\n<\/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 for your car insurance?<\/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>ChAD<\/strong> Member<\/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>100,000+<\/strong> Submissions<\/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>13<\/strong> QC partner firms<\/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<\/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;\">Phone: <strong>1-866-357-4451<\/strong><\/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:#fff;font-size:28px;margin:0 0 16px;\">Pr\u00eat \u00e0 \u00e9conomiser sur votre assurance auto?<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Un courtier AMF vous compare 25+ assureurs en moins de 24 heures. 100 % gratuit, sans engagement.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-auto-rapide-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-right:12px;\">Ma soumission auto<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#fff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #fff;\">1-866-357-4451<\/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\":\"Courtier assurance\",\"item\":\"https:\/\/www.assur360.ca\/courtier-assurance\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Courtier assurance auto\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>An auto insurance broker in Quebec is a professional certified by the Autorit\u00e9 des march\u00e9s financiers (AMF) who acts as an independent [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":40834,"parent":15663,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Auto Insurance Broker Quebec 2026 | 25+ insurers \u2014 Assur360","_seopress_titles_desc":"An AMF broker compares 25+ auto insurers in 3 minutes in QC. 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