{"id":15793,"date":"2018-02-12T12:59:08","date_gmt":"2018-02-12T17:59:08","guid":{"rendered":"https:\/\/www.assur360.ca\/auto-quick-quote\/"},"modified":"2026-04-20T15:16:07","modified_gmt":"2026-04-20T19:16:07","slug":"auto-quick-quote","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/auto-quick-quote\/","title":{"rendered":"Auto Quick Quote"},"content":{"rendered":"<style>#ez-toc-container{display:none!important}<\/style>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:50px 30px;border-radius:12px;margin-bottom:40px;text-align:center;\">\n  <p style=\"color:#10c4c7;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin-bottom:10px;font-weight:600;\">Free online quote<\/p>\n  <h2 style=\"color:#ffffff;font-size:34px;line-height:1.2;margin:0 0 16px 0;font-weight:700;\"><span class=\"ez-toc-section\" id=\"Quick-quote-for-car-insurance-in-Quebec\"><\/span>Quick quote for car insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#b0c4d8;font-size:17px;max-width:650px;margin:0 auto 0 auto;line-height:1.6;\">Fill out the form below and receive your quotes from <strong style=\"color:#ffffff;\">20+ insurers<\/strong> in minutes. <strong style=\"color:#10c4c7;\">100% free<\/strong>, no obligation.<\/p>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-bottom:40px;text-align:center;\">\n  <div style=\"background:#f8fafc;padding:24px 16px;border-radius:8px;\">\n    <div style=\"font-size:28px;font-weight:700;color:#10c4c7;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;margin-top:4px;\">Quick Form<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px 16px;border-radius:8px;\">\n    <div style=\"font-size:28px;font-weight:700;color:#10c4c7;\">20+<\/div>\n    <div style=\"color:#64748b;font-size:13px;margin-top:4px;\">Insurers Compared<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px 16px;border-radius:8px;\">\n    <div style=\"font-size:28px;font-weight:700;color:#10c4c7;\">40%<\/div>\n    <div style=\"color:#64748b;font-size:13px;margin-top:4px;\">Possible savings<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px 16px;border-radius:8px;\">\n    <div style=\"font-size:28px;font-weight:700;color:#10c4c7;\">$0<\/div>\n    <div style=\"color:#64748b;font-size:13px;margin-top:4px;\">No fees<\/div>\n  <\/div>\n<\/div>\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<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/soumission-rapide-auto.jpg\" alt=\"Auto Quick Quote \u2014 Assur360\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Quick-car-quote-in-less-than-5-minutes\"><\/span>Quick car quote in less than 5 minutes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Our online form allows you to complete your car insurance application in <strong>3 to 5 minutes<\/strong>. Our team then contacts up to 9 insurers and presents you with the best options. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Quick response:<\/strong> Your personalized comparison is sent to you by email or phone within <strong>24 business hours<\/strong>. No commitment on your part. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-get-your-car-quote-in-3-steps\"><\/span>How to get your car quote in 3 steps<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:20px 0 40px 0;\">\n  <div style=\"display:flex;align-items:flex-start;gap:18px;margin-bottom:24px;\">\n    <div style=\"min-width:36px;height:36px;background:#10c4c7;border-radius:50%;display:flex;align-items:center;justify-content:center;color:#ffffff;font-weight:700;font-size:16px;\">1<\/div>\n    <div>\n      <h4 style=\"margin:0 0 6px 0;color:#0d1f2d;\">Fill out the form<\/h4>\n      <p style=\"margin:0;color:#475569;font-size:15px;line-height:1.6;\">Indicate your vehicle (make, model, year), your driver profile and the type of coverage you want.  <strong>Less than 3 minutes.<\/strong><\/p>\n    <\/div>\n  <\/div>\n  <div style=\"display:flex;align-items:flex-start;gap:18px;margin-bottom:24px;\">\n    <div style=\"min-width:36px;height:36px;background:#10c4c7;border-radius:50%;display:flex;align-items:center;justify-content:center;color:#ffffff;font-weight:700;font-size:16px;\">2<\/div>\n    <div>\n      <h4 style=\"margin:0 0 6px 0;color:#0d1f2d;\">Receive your quotes<\/h4>\n      <p style=\"margin:0;color:#475569;font-size:15px;line-height:1.6;\">Our partner brokers analyse your file and send you the <strong>best offers<\/strong> adapted to your budget.<\/p>\n    <\/div>\n  <\/div>\n  <div style=\"display:flex;align-items:flex-start;gap:18px;\">\n    <div style=\"min-width:36px;height:36px;background:#10c4c7;border-radius:50%;display:flex;align-items:center;justify-content:center;color:#ffffff;font-weight:700;font-size:16px;\">3<\/div>\n    <div>\n      <h4 style=\"margin:0 0 6px 0;color:#0d1f2d;\">Choose and save<\/h4>\n      <p style=\"margin:0;color:#475569;font-size:15px;line-height:1.6;\">Compare prices, coverage, and deductibles. Choose the offer that suits you best.   <strong>No obligation.<\/strong><\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-you-need-to-prepare\"><\/span>What you need to prepare<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:20px 0 40px 0;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:28px 24px;\">\n    <h3 style=\"margin:0 0 12px 0;font-size:18px;color:#0d1f2d;\">Your vehicle<\/h3>\n    <ul style=\"margin:0;padding-left:18px;color:#475569;font-size:14px;line-height:1.8;\">\n      <li>Make, model and year<\/li>\n      <li>Annual mileage<\/li>\n      <li>Use (Personal, Work)<\/li>\n      <li>Anti-theft device<\/li>\n    <\/ul>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:28px 24px;\">\n    <h3 style=\"margin:0 0 12px 0;font-size:18px;color:#0d1f2d;\">Your profile<\/h3>\n    <ul style=\"margin:0;padding-left:18px;color:#475569;font-size:14px;line-height:1.8;\">\n      <li>Date of birth<\/li>\n      <li>Licence number<\/li>\n      <li>Driving History<\/li>\n      <li>Past Claims<\/li>\n    <\/ul>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:28px 24px;\">\n    <h3 style=\"margin:0 0 12px 0;font-size:18px;color:#0d1f2d;\">Your needs<\/h3>\n    <ul style=\"margin:0;padding-left:18px;color:#475569;font-size:14px;line-height:1.8;\">\n      <li>Type of coverage desired<\/li>\n      <li>Preferred Franchise<\/li>\n      <li>Effective date<\/li>\n      <li>Other vehicles to be insured<\/li>\n    <\/ul>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border:2px solid #10c4c7;border-radius:12px;padding:28px 30px;margin:10px 0 40px 0;\">\n  <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px 0;\">Broker&#8217;s advice<\/p>\n  <p style=\"color:#b0c4d8;font-size:15px;line-height:1.6;margin:0;\">Have your <strong style=\"color:#ffffff;\">current policy<\/strong> handy when applying. This allows our brokers to check that you are not losing any protection and offer you equivalent or better coverage at a <strong style=\"color:#10c4c7;\">lower price<\/strong>. <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-use-a-broker-for-your-car-insurance\"><\/span>Why use a broker for your car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:20px 0 40px 0;\">\n  <div style=\"background:#f8fafc;padding:24px;border-radius:8px;border-left:4px solid #10c4c7;\">\n    <h4 style=\"margin:0 0 8px 0;color:#0d1f2d;\">Independence<\/h4>\n    <p style=\"margin:0;color:#475569;font-size:14px;line-height:1.6;\">The broker represents <strong>your interests<\/strong>, not those of an insurer. It objectively compares all the available options. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;border-radius:8px;border-left:4px solid #10c4c7;\">\n    <h4 style=\"margin:0 0 8px 0;color:#0d1f2d;\">Exclusive access<\/h4>\n    <p style=\"margin:0;color:#475569;font-size:14px;line-height:1.6;\">Some insurers only sell <strong>through brokers<\/strong>. You have access to prices and products that cannot be found directly. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;border-radius:8px;border-left:4px solid #10c4c7;\">\n    <h4 style=\"margin:0 0 8px 0;color:#0d1f2d;\">Disaster support<\/h4>\n    <p style=\"margin:0;color:#475569;font-size:14px;line-height:1.6;\">In the event of an accident, your broker <strong>negotiates with the insurer<\/strong> on your behalf and defends your claim.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;border-radius:8px;border-left:4px solid #10c4c7;\">\n    <h4 style=\"margin:0 0 8px 0;color:#0d1f2d;\">No additional fees<\/h4>\n    <p style=\"margin:0;color:#475569;font-size:14px;line-height:1.6;\">The broker is paid by the insurer, not by you. Its service is <strong>free for the consumer<\/strong>. <\/p>\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<div style=\"overflow-x:auto;margin-bottom:40px;\">\n<table style=\"width:100%;border-collapse:collapse;border-radius:8px;overflow:hidden;\">\n  <thead>\n    <tr style=\"background:#0d1f2d;color:#ffffff;\">\n      <th style=\"padding:14px 18px;text-align:left;font-weight:600;\">Protection<\/th>\n      <th style=\"padding:14px 18px;text-align:center;font-weight:600;\">Required<\/th>\n      <th style=\"padding:14px 18px;text-align:left;font-weight:600;\">What it covers<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr style=\"background:#f8fafc;\">\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Chapter A \u2014 Civil<\/td>\n liability<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;text-align:center;color:#10c4c7;font-weight:700;\">\n Yes<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;\">Damage to others (min. $50,000, recommended $2 million)<\/td>            \n    <\/tr>\n    <tr style=\"background:#ffffff;\">\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Chapter B \u2014 Collision<\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;text-align:center;\">No<\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;\">Damage to your vehicle in an accident<\/td>\n    <\/tr>\n    <tr style=\"background:#f8fafc;\">\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;font-weight:600;\">All risks<\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;text-align:center;\">No<\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;\">Theft, vandalism, hail, flooding, glass breakage<\/td>\n    <\/tr>\n    <tr style=\"background:#ffffff;\">\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Endorsement FAQ 43 \u2014 Replacement<\/td>\n Cost<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;text-align:center;\">No<\/td>\n<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;\">Replacement at purchase price if total loss (recent vehicle)<\/td>            \n    <\/tr>\n    <tr style=\"background:#f8fafc;\">\n      <td style=\"padding:12px 18px;font-weight:600;\">Amendment FAQ 27<\/td>\n      <td style=\"padding:12px 18px;text-align:center;\">No<\/td>\n      <td style=\"padding:12px 18px;\">Compensation if the responsible third party is unknown or uninsured<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQ-%E2%80%94-Car-Insurance-Quote\"><\/span>FAQ \u2014 Car Insurance Quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin-bottom:30px;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:10px;overflow:hidden;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">How much does car insurance cost in Quebec in 2026?<\/summary>\n    <div style=\"padding:16px 20px;color:#475569;line-height:1.6;\">The average cost is between <strong>$800 and $1,500 per year<\/strong> for comprehensive coverage. A young driver can pay up to $3,500, while an experienced driver with a good record can get a premium under $700. <a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/cheap-car-insurance-quick-quote\/\">Learn more about pricing<\/a>. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:10px;overflow:hidden;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">What car insurance coverage is recommended?<\/summary>\n    <div style=\"padding:16px 20px;color:#475569;line-height:1.6;\">In addition to the mandatory civil liability (minimum $50,000, recommended $2 million), add <strong>collision, complete perils<\/strong> (theft, vandalism, bad weather), <strong>replacement cost<\/strong> for a recent vehicle (endorsement FAQ 43) and endorsement <strong>FAQ 27<\/strong> for uninsured third parties.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:10px;overflow:hidden;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">How can I reduce the cost of my car insurance?<\/summary>\n    <div style=\"padding:16px 20px;color:#475569;line-height:1.6;\">Compare at least 3 quotes, bundle home + auto (10-15% discount), increase your deductible to $1,000 (15-25% savings), maintain a good credit history, and ask for available discounts (lock, winter tires, low mileage). A <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\">broker<\/a> can trade for you. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:10px;overflow:hidden;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">Is the online submission really free?<\/summary>\n    <div style=\"padding:16px 20px;color:#475569;line-height:1.6;\">Yes, <strong>100% free and without obligation<\/strong>. Assur360 is paid by partner insurers, never by consumers. You pay nothing to receive your bids and you are free to choose or not a bid.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:10px;overflow:hidden;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">How long does an online quote take?<\/summary>\n    <div style=\"padding:16px 20px;color:#475569;line-height:1.6;\">The form can be completed in <strong>less than 3 minutes<\/strong>. You usually receive your quotes within a few hours, sometimes the same day. To speed up the process, have your current policy handy.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:10px;overflow:hidden;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">Is car insurance mandatory in Quebec?<\/summary>\n    <div style=\"padding:16px 20px;color:#475569;line-height:1.6;\">Yes. <strong>Civil liability insurance (Section A) is mandatory<\/strong> with a legal minimum of $50,000, although the <a href=\"https:\/\/lautorite.qc.ca\" target=\"_blank\" rel=\"noopener\">AMF<\/a> and experts recommend at least $2,000,000. The <a href=\"https:\/\/saaq.gouv.qc.ca\" target=\"_blank\" rel=\"noopener\">SAAQ<\/a> covers bodily injury, but property damage is your responsibility. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:10px;overflow:hidden;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">Can I get a quote with a bad driving record?<\/summary>\n    <div style=\"padding:16px 20px;color:#475569;line-height:1.6;\">Yes. Thanks to <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/sub-standard-insurance\/\">substandard car insurance<\/a>, specialized insurers accept cases with infractions, accidents or license suspensions. Premiums are higher, but a broker can find the best price for your situation. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:10px;overflow:hidden;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">What is the difference between a $500 and $1,000 deductible?<\/summary>\n    <div style=\"padding:16px 20px;color:#475569;line-height:1.6;\">The deductible is the amount paid out of pocket in the event of a claim. Going from <strong>$500 to $1,000<\/strong> reduces your annual premium by <strong>15 to 25 per cent<\/strong>. This is advantageous if you have not made a claim for more than 5 years and have an emergency fund.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:10px;overflow:hidden;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">Is replacement cost (FAQ 43) worth it?<\/summary>\n    <div style=\"padding:16px 20px;color:#475569;line-height:1.6;\">Absolutely, especially for a vehicle <strong>less than 5 years old<\/strong>. Without this endorsement, in the event of a total loss, the insurer will reimburse you for the depreciated value \u2014 often 30 to 50% less than the purchase price. <a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/replacement-cost-car-insurance-is-it-a-good-idea-2\/\">Learn more<\/a>. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;overflow:hidden;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">Why are car insurance premiums increasing in 2026?<\/summary>\n    <div style=\"padding:16px 20px;color:#475569;line-height:1.6;\">Several factors: the increase in <strong>vehicle theft<\/strong> in Quebec, the rising cost of parts and labour, on-board technology that is expensive to repair (ADAS sensors) and more frequent weather events. The best defense: <strong>shop around every year<\/strong>. <\/div>\n  <\/details>\n<\/div>\n\n<div style=\"background:#f0fdfa;border-radius:12px;padding:30px;margin:10px 0 40px 0;\">\n  <h3 style=\"margin:0 0 16px 0;color:#0d1f2d;font-size:20px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:20px;\">\n    <div style=\"display:flex;align-items:flex-start;gap:10px;\">\n      <span style=\"color:#10c4c7;font-size:20px;\">\n\u2713<span style=\"color:#475569;font-size:14px;line-height:1.5;\"><strong>AMF<\/strong> \u2014 Firm certified by the Autorit\u00e9 des march\u00e9s financiers (Qu\u00e9bec)<\/span>      <\/span>\n    <\/div>\n    <div style=\"display:flex;align-items:flex-start;gap:10px;\">\n      <span style=\"color:#10c4c7;font-size:20px;\">\n\u2713<span style=\"color:#475569;font-size:14px;line-height:1.5;\"><strong>ChAD<\/strong> \u2014 Brokers who are members of the Chambre de l&#8217;assurance de dommages<\/span>      <\/span>\n    <\/div>\n    <div style=\"display:flex;align-items:flex-start;gap:10px;\">\n      <span style=\"color:#10c4c7;font-size:20px;\">\n\u2713<span style=\"color:#475569;font-size:14px;line-height:1.5;\"><strong>100K+<\/strong> submissions processed since 2013<\/span>      <\/span>\n    <\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"To-be-read\"><\/span>To be read<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:15px 0 30px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/cheap-car-insurance-quick-quote\/\" style=\"display:block;padding:18px 20px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;text-decoration:none;color:#0d1f2d;font-weight:600;line-height:1.4;\">Cheap car insurance in Quebec \u2192<\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/2026-car-insurance-guide-in-quebec-everything-you-need-to-know\/\" style=\"display:block;padding:18px 20px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;text-decoration:none;color:#0d1f2d;font-weight:600;line-height:1.4;\">Car Insurance Guide 2026 \u2192<\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/sub-standard-insurance\/\" style=\"display:block;padding:18px 20px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;text-decoration:none;color:#0d1f2d;font-weight:600;line-height:1.4;\">Sub-standard car insurance \u2192<\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/replacement-cost-car-insurance-is-it-a-good-idea-2\/\" style=\"display:block;padding:18px 20px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;text-decoration:none;color:#0d1f2d;font-weight:600;line-height:1.4;\">Replacement cost: is it a good idea\u2192<\/a>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border:2px solid #10c4c7;border-radius:12px;padding:32px 30px;margin:10px 0 40px 0;text-align:center;\">\n  <h3 style=\"color:#ffffff;margin:0 0 12px 0;font-size:22px;\">Ready to save on your car insurance?<\/h3>\n  <p style=\"color:#b0c4d8;font-size:16px;margin:0 0 24px 0;\">Fill out the form above or call us directly.<\/p>\n  <div style=\"display:flex;gap:15px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"#top\" style=\"display:inline-block;background:#10c4c7;color:#0d1f2d;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Fill out the form<\/a>\n    <a href=\"tel:18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:600;font-size:16px;border:2px solid rgba(255,255,255,0.3);\">1-866-357-4451<\/a>\n  <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"@id\":\"https:\/\/www.assur360.ca\/produit-assurance\/#faq\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Combien co\u00fbte une assurance auto au Qu\u00e9bec en 2026 ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le co\u00fbt moyen se situe entre 800 $ et 1 500 $ par ann\u00e9e pour une couverture compl\u00e8te. Un jeune conducteur peut payer jusqu'\u00e0 3 500 $, tandis qu'un conducteur exp\u00e9riment\u00e9 avec un bon dossier peut obtenir une prime sous les 700 $.\"}},{\"@type\":\"Question\",\"name\":\"Quelles protections d'assurance auto sont recommand\u00e9es ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"En plus de la responsabilit\u00e9 civile obligatoire (minimum 50 000 $, recommand\u00e9 2 M$), ajoutez la collision, les risques complets (vol, vandalisme, intemp\u00e9ries), la valeur \u00e0 neuf pour un v\u00e9hicule r\u00e9cent (avenant FAQ 43) et l'avenant FAQ 27 pour les tiers non assur\u00e9s.\"}},{\"@type\":\"Question\",\"name\":\"Comment r\u00e9duire le co\u00fbt de mon assurance auto ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Comparez au moins 3 soumissions, regroupez auto + habitation (rabais 10-15 %), augmentez votre franchise \u00e0 1 000 $ (\u00e9conomie de 15-25 %), maintenez un bon dossier de cr\u00e9dit, et demandez les rabais disponibles (antivol, pneus d'hiver, faible kilom\u00e9trage).\"}},{\"@type\":\"Question\",\"name\":\"La soumission en ligne est-elle vraiment gratuite ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, 100 % gratuit et sans engagement. Assur360 est r\u00e9mun\u00e9r\u00e9 par les assureurs partenaires, jamais par les consommateurs.\"}},{\"@type\":\"Question\",\"name\":\"Combien de temps prend une soumission en ligne ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le formulaire se compl\u00e8te en moins de 3 minutes. Vous recevez g\u00e9n\u00e9ralement vos soumissions dans les heures qui suivent, parfois le jour m\u00eame.\"}},{\"@type\":\"Question\",\"name\":\"L'assurance auto est-elle obligatoire au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. L'assurance responsabilit\u00e9 civile (chapitre A) est obligatoire avec un minimum l\u00e9gal de 50 000 $, bien que les experts recommandent au moins 2 000 000 $. La SAAQ couvre les blessures corporelles, mais les dommages mat\u00e9riels sont votre responsabilit\u00e9.\"}},{\"@type\":\"Question\",\"name\":\"Puis-je obtenir une soumission avec un mauvais dossier de conduite ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Gr\u00e2ce \u00e0 l'assurance auto sous-standard, des assureurs sp\u00e9cialis\u00e9s acceptent les dossiers avec infractions, accidents ou suspensions de permis. Les primes sont plus \u00e9lev\u00e9es, mais un courtier peut trouver le meilleur prix.\"}},{\"@type\":\"Question\",\"name\":\"Quelle est la diff\u00e9rence entre franchise de 500 $ et 1 000 $ ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La franchise est le montant pay\u00e9 de votre poche en cas de sinistre. Passer de 500 $ \u00e0 1 000 $ r\u00e9duit votre prime annuelle de 15 \u00e0 25 %. C'est avantageux si vous n'avez pas fait de r\u00e9clamation depuis plus de 5 ans.\"}},{\"@type\":\"Question\",\"name\":\"Est-ce que la valeur \u00e0 neuf (FAQ 43) en vaut la peine ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Absolument, surtout pour un v\u00e9hicule de moins de 5 ans. 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