{"id":15735,"date":"2019-06-04T16:21:32","date_gmt":"2019-06-04T20:21:32","guid":{"rendered":"https:\/\/www.assur360.ca\/saving-on-car-insurance\/"},"modified":"2026-05-01T12:39:46","modified_gmt":"2026-05-01T16:39:46","slug":"saving-on-car-insurance","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/saving-on-car-insurance\/","title":{"rendered":"Saving on car insurance"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\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<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\/\", \"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\": \"\u00c9conomiser sur l'assurance auto 2026 : 12 astuces concr\u00e8tes pour r\u00e9duire jusqu'\u00e0 40 % votre prime. Courtier AMF Assur360, soumission gratuite 3 min.\", \"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 style=\"font-size:17px;line-height:1.8;color:#334155;\">Looking to <strong>save on your car insurance<\/strong> in Quebec in 2026? Premiums have risen again \u2014 on average <strong>5 to 12 percent<\/strong> last year. The good news is that there are <strong>12 concrete ways<\/strong> to reduce your premium, some of which can be combined, which can save you up to <strong>40%.<\/strong> At <strong>Assur360<\/strong>, an <strong>AMF-certified firm<\/strong>, our independent brokers help you activate each of these discounts and shop among <strong>9+ insurers<\/strong>. <a href=\"https:\/\/www.assur360.ca\/en\/fast-online-car-quote\/\">Free quote in 3 minutes<\/a>.   <\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">SAVINGS 2026<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"12-tips-to-pay-up-to-40-less\"><\/span>12 tips to pay up to 40% less<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Every tip is tested with our 9+ partner insurers. Guaranteed results. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Free quote in 3 minutes<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">40 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Potential savings<\/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;\">12<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Concrete tips<\/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;\">\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>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-12-tips-to-save-on-your-car-insurance-in-2026\"><\/span>The 12 tips to save on your car insurance in 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"color:#334155;line-height:1.7;\">Here are the 12 most effective levers, ranked in order of impact. Several can <strong>be combined<\/strong>. Apply 3-4 of them and you will see your premium drop immediately.  <\/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;\">1\ufe0f\u20e3<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Shop with a broker<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Tip 1. One broker compares <strong>9+ insurers<\/strong> in 3 minutes. Average savings: <strong>$200 to $500\/year<\/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;\">2\ufe0f\u20e3<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Combining car + home<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Automatic multi-product discount of <strong>10 to 15%<\/strong> on each policy with most insurers.<\/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;\">3\ufe0f\u20e3<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Increase your deductible<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">$250 \u2192 $500 = <strong>8-12%<\/strong> off. $250 \u2192 $1,000 = 15 to 20%. <\/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;\">4\ufe0f\u20e3<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Install an anti-theft device<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Approved immobilizer: Up to <strong>15% off<\/strong>, especially in urban areas.<\/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;\">5\ufe0f\u20e3<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Report low mileage<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Less than 12,000 km\/year = up to <strong>15%.<\/strong> Less than 8,000 km = more. <\/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;\">6\ufe0f\u20e3<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Pay annually<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\"><strong>3-5%<\/strong> discount vs. monthly payment. Savings of $36 to $60 on a $1,200 premium. <\/p>\n  <\/div>\n<\/div>\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;\">7\ufe0f\u20e3<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Choosing a safe vehicle<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Automatic braking, blind spot detection, backup camera: <strong>5 to 15% off<\/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;\">8\ufe0f\u20e3<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Telemetry discount<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Tracking your drive: Up to <strong>25% off<\/strong> if you drive well.<\/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;\">9\ufe0f\u20e3<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Take advantage of your status<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Student with a good record, retired, civil servant, CAA member, engineer, teacher: <strong>3 to 10%<\/strong> each.<\/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\udd1f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Renew after 5 years without a claim<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Loyalty super-discount with some insurers: <strong>10% additional<\/strong> after 5 years of your own.<\/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;\">1\ufe0f1\ufe0f\u20e3 \u20e3<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Review your coverage<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Is your old car no longer worth $15,000? Remove the collision and save <strong>30-40%.<\/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;\">1\ufe0f2\ufe0f\u20e3 \u20e3<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Report seasonal driving<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Vehicle stored in winter or summer: <strong>up to 40%<\/strong> off during the storage period.<\/p>\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;\">The No. 1 mistake made by Quebec drivers<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\"><strong style=\"color:#ffffff;\">Keeping the same insurer for 10 years<\/strong>. Premiums rise by 5 to 12% each year for no apparent reason. Shopping every 1-2 years protects you from that silent climbing. A broker does this work <strong style=\"color:#ffffff;\">for free<\/strong>.   <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-can-you-save-by-combining-several-tips\"><\/span>How much can you save by combining several tips?<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;\">Average<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">annual savings*<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Over 5 years<\/th><\/tr><\/thead>\n    <tbody><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Shop + combine car\/home<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$350<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">1,750<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">+ Increase deductible to $500<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+$60<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+$300<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">+ Approved Lock<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+$90<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+$450<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">+ Report low mileage<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+$120<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+$600<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">+ Annual payment<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+$35<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+$175<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\"><strong>Possible Cumulative Total<\/strong><\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><strong>$655 \/ year<\/strong><\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><strong>$3,275<\/strong><\/td><\/tr><\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative rates 2026. <a href=\"https:\/\/www.assur360.ca\/en\/fast-online-car-quote\/\">Get your exact price in 3 minutes<\/a>.<\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">GUARANTEED SAVINGS<\/p>\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;\">Activate your discounts in 3 minutes<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">An Assur360 broker analyzes your profile and applies all the discounts available at 9+ insurers.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Compare 9+ insurers<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Mistakes-to-avoid-when-you-want-to-save-money\"><\/span>Mistakes to avoid when you want to save money<span class=\"ez-toc-section-end\"><\/span><\/h2>\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;\">Never sacrifice your essential protections<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">To save $50, some people take out excess liability or collision coverage without having the means to repair their vehicle. <strong>Always keep $2 million in civil liability<\/strong>. Save elsewhere: franchising, multi-product, shopping. A broker helps you cut in the right place.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-does-NOT-work-to-save\"><\/span>What does NOT work to save?<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;\">Hiding an accident<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Insurers consult the <strong>FCSA<\/strong> (Central Claims File). Omitting = risk of policy cancellation. <\/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;\">Lying about mileage<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Detectable at renewal or in the event of a claim. May lead to the denial of compensation. <\/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;\">Put another name as the main<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Insurance fraud. Criminal consequences and cancellation of policy. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Savings-service-throughout-Quebec\"><\/span>Savings service throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"color:#334155;line-height:1.7;\">Our Assur360 brokers optimize premiums in all major cities: <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>Thetford Mines<\/strong>, <strong>Drummondville<\/strong> and the regions. Phone, email and in-person service. <\/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\/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;\">Car insurance \u2014 a complete guide<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Everything you need to know about your car policy in Quebec.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-renewal\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Car insurance renewal<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">How to negotiate your renewal and save each year.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/assurance-auto-55-ans-plus\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Car insurance 55 years and over<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Exclusive senior discounts and the best insurers.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-broker-drummondville-2\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Car Broker Drummondville<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Our personalized service in the Centre-du-Qu\u00e9bec.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-Saving-on-car-insurance\"><\/span>Frequently asked questions \u2014 Saving on car insurance<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;\">How much can I really save on my car insurance in 2026?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">By applying several of the 12 tips above, you can reduce your premium by <strong>15-40%.<\/strong> Our Assur360 customers save an average of <strong>$200 to $500 per year<\/strong> just by shopping with a 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;\">What is the best tip to apply first?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Shop with an independent broker<\/strong> every 1-2 years. A single step allows you to compare 9+ insurers. Frequent variances of <strong>$500 to $1,200\/year<\/strong> for the same profile. <a href=\"https:\/\/www.assur360.ca\/en\/fast-online-car-quote\/\">Compare for free<\/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;\">Is it true that combining a car and a home saves money?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes \u2014 automatic discount of <strong>10-15%<\/strong> on both policies with most insurers. For a combined premium of $2,000\/year, that&#8217;s $200 to $300 in instant savings. <\/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 increasing my deductible really reduce my premium?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. Going from $250 to $500 deductible = <strong>8 to 12% off<\/strong>. Increase to $1,000 = 15 to 20%. Please note: make sure you can pay the deductible in the event of a claim.  <\/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;\">Are anti-theft devices worth it?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, especially in urban areas. An approved immobilizer system gives <strong>up to 15% off<\/strong>. The installation cost ($200-600) is often amortized in 1-2 years of savings.  <\/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 the annual vs. monthly payment really make a difference?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, <strong>3 to 5%<\/strong> off by paying the full annual premium at once. For a $1,200 premium, that&#8217;s $36 to $60 in savings per year. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does declaring low mileage help?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Absolutely. Less than 12,000 km\/year: up to <strong>15% off<\/strong>. Less than 8,000 km\/year: even more. Retirees and teleworkers are particularly benefiting.  <\/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 save on my deductible without increasing it?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, by choosing <strong>zero-deductible endorsements<\/strong> for glass breakage, theft, or major claims. Some companies offer them for free or at a low cost. <\/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 changing your vehicle really reduce my premium?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. Models with automatic braking, blind spot detection, and a rearview camera cost <strong>5 to 15 percent<\/strong> less to insure. Luxury or sports vehicles cost much more. <\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Combien puis-je vraiment \u00e9conomiser sur mon assurance auto en 2026 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"En appliquant plusieurs des 12 astuces ci-dessus, vous pouvez r\u00e9duire votre prime de <strong>15 \u00e0 40 %. Nos clients Assur360 \u00e9conomisent en moyenne <\/strong><strong>200 $ \u00e0 500 $ par ann\u00e9e simplement en magasinant avec un courtier.\"}}, {\"@type\": \"Question\", \"name\": \"Quelle est la meilleure astuce \u00e0 appliquer en premier ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<\/strong><strong>Magasiner avec un courtier ind\u00e9pendant tous les 1-2 ans. Une seule d\u00e9marche permet de comparer 9+ assureurs. \u00c9carts fr\u00e9quents de <\/strong><strong>500 $ \u00e0 1 200 $\/an pour le m\u00eame profil. <a href=\\\"\/soumission-auto-rapide-en-ligne\/\\\">Comparez gratuitement.\"}}, {\"@type\": \"Question\", \"name\": \"Est-il vrai que combiner auto et habitation fait \u00e9conomiser ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui \u2014 rabais automatique de <strong>10 \u00e0 15 % sur les deux polices chez la majorit\u00e9 des assureurs. Pour une prime combin\u00e9e de 2 000 $\/an, c'est 200 $ \u00e0 300 $ d'\u00e9conomies instantan\u00e9es.\"}}, {\"@type\": \"Question\", \"name\": \"Augmenter ma franchise r\u00e9duit-il vraiment ma prime ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui. Passer de 250 $ \u00e0 500 $ de franchise = <\/strong><strong>8 \u00e0 12 % de r\u00e9duction. Passer \u00e0 1 000 $ = 15 \u00e0 20 %. Attention : assurez-vous de pouvoir payer la franchise en cas de sinistre.\"}}, {\"@type\": \"Question\", \"name\": \"Les dispositifs antivol valent-ils la peine ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, surtout en milieu urbain. Un syst\u00e8me antid\u00e9marrage approuv\u00e9 donne <\/strong><strong>jusqu'\u00e0 15 % de rabais. Le co\u00fbt d'installation (200-600 $) est souvent amorti en 1-2 ans d'\u00e9conomies.\"}}, {\"@type\": \"Question\", \"name\": \"Le paiement annuel vs mensuel fait-il vraiment une diff\u00e9rence ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, <\/strong><strong>3 \u00e0 5 % de rabais en payant la prime annuelle compl\u00e8te d'un coup. Pour une prime de 1 200 $, c'est 36 $ \u00e0 60 $ d'\u00e9conomies par an.\"}}, {\"@type\": \"Question\", \"name\": \"D\u00e9clarer un faible kilom\u00e9trage aide-t-il ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Absolument. Moins de 12 000 km\/an : jusqu'\u00e0 <\/strong><strong>15 % de rabais. Moins de 8 000 km\/an : encore plus. Les retrait\u00e9s et t\u00e9l\u00e9travailleurs en profitent particuli\u00e8rement.\"}}, {\"@type\": \"Question\", \"name\": \"Puis-je \u00e9conomiser sur ma franchise sans l'augmenter ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, en choisissant des <\/strong><strong>avenants \u00e0 franchise z\u00e9ro pour les bris de vitre, le vol, ou les sinistres majeurs. Certaines compagnies les offrent gratuitement ou \u00e0 faible co\u00fbt.\"}}, {\"@type\": \"Question\", \"name\": \"Changer de v\u00e9hicule peut-il vraiment r\u00e9duire ma prime ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui. Les mod\u00e8les avec freinage automatique, d\u00e9tection d'angle mort et cam\u00e9ra de recul co\u00fbtent <\/strong><strong>5 \u00e0 15 % moins cher \u00e0 assurer. Les v\u00e9hicules luxueux ou sportifs co\u00fbtent beaucoup plus cher.\"}}]}<!-- wpml:html_fragment <\/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>ChAD<\/strong> and CSF members<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">More than <strong>100,000 submissions processed<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>9+ insurers<\/strong> compared in 3 minutes<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> brokers at your service<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100% Quebec<\/strong> service<\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Activate your 12 tips \u2014 save up to 40%<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">9+ insurers compared, all your discounts identified. 100% free, non-binding service. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin:8px;\">Get My Quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;margin:8px;\">Call a broker<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"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\": \"\u00c9conomiser sur l'assurance automobile\", \"item\": \"https:\/\/www.assur360.ca\/assurance-auto\/\"}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Looking to save on your car insurance in Quebec in 2026? Premiums have risen again \u2014 on average 5 to 12 percent [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":45777,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Saving on Quebec Car Insurance 2026: 12 Real Tips","_seopress_titles_desc":"Save on car insurance 2026: 12 tips, up to 40% savings. AMF Assur360 Broker, 3 min. ","_seopress_robots_index":"yes","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","yasr_pro_reviews_in_comment_enabled":0,"footnotes":""},"class_list":["post-15735","page","type-page","status-publish","has-post-thumbnail","hentry"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15735","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/comments?post=15735"}],"version-history":[{"count":9,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15735\/revisions"}],"predecessor-version":[{"id":61134,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15735\/revisions\/61134"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media\/45777"}],"wp:attachment":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media?parent=15735"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}