{"id":16116,"date":"2025-04-03T12:02:00","date_gmt":"2025-04-03T16:02:00","guid":{"rendered":"https:\/\/www.assur360.ca\/car-insurance-renewal\/"},"modified":"2026-09-02T12:32:25","modified_gmt":"2026-09-02T16:32:25","slug":"car-insurance-renewal","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/car-insurance-renewal\/","title":{"rendered":"2026 Quebec Car Insurance Renewal: Compare Before You Sign"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<h1 style=\"font-family:'Sora',sans-serif;font-size:clamp(28px,4vw,38px);font-weight:800;line-height:1.2;color:#0d1f2d;margin:32px 0 24px;\"><span class=\"ez-toc-section\" id=\"2026-Quebec-Car-Insurance-Renewal-Compare-Before-You-Sign\"><\/span>2026 Quebec Car Insurance Renewal: Compare Before You Sign<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360\", \"alternateName\": \"Assur360 Cabinet d'assurance\", \"url\": \"https:\/\/www.assur360.ca\/renouvellement-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\": \"Renouvellement assurance auto 2026 : \u00e9conomisez \u00e0 chaque renouvellement. Comparez 9+ assureurs, courtier AMF. Soumission gratuite en 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 class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Is your <strong>car insurance renewal in Quebec<\/strong> coming soon? Don&#8217;t sign before you compare! At <strong>Assur360<\/strong>, an <strong>independent comparison site<\/strong>, the brokers of our partner firms compare <strong>9+ insurers<\/strong> to save you money at each renewal. In 2026, premiums have risen again \u2014 a call to us before your deadline can save you <strong>$200 to $500 per year<\/strong> without changing your coverage. <a href=\"https:\/\/www.assur360.ca\/en\/fast-online-car-quote\/\">Request your 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;\">AUTO RENEWAL 2026<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Dont-sign-before-you-compare%E2%80%94save-300-on-average\"><\/span>Don&#8217;t sign before you compare\u2014save $300 on average<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Is your policy expiring? Our partner brokers&#8217; brokers compare 9+ insurers for you. <\/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;\">9+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Insurers Compared<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">$300<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Medium 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;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">By Submission<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">45 days<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Before the ideal maturity<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-shop-around-for-your-renewal-every-year\"><\/span>Why shop around for your renewal every year?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\">Your current insurer has no reason to offer you its best price: it knows that it is easier to renew you than to win you back. Here are the 3 truths that no one is telling you. <\/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\udcc8<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Premiums go up even without accidents<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Average increase of <strong>5 to 12% per year<\/strong> in Quebec, regardless of your file. Shopping once every 2 years is enough not to be fooled. <\/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\udfaf<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">New customers always get better<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Insurers reserve their <strong>best rates for new customers<\/strong>. By switching, you become a new customer again and take advantage of this admission discount. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83e\udd1d<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">A broker doesn&#8217;t cost you anything<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The broker is paid by the insurer of your choice, not by you. <strong>Its service is free<\/strong> and you gain access to 30+ rates in one call.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When-to-shop-for-your-car-renewal\"><\/span>When to shop for your car renewal?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">45 days before maturity \u2014 ideal<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Your renewal notice usually arrives 30-45 days before. It&#8217;s the perfect time to compare without pressure. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">30 days before \u2014 tight but possible timing<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Still time to compare, sign and avoid a cut. Call Assur360 quickly. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">Same day \u2014 avoid<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">You risk a day without coverage. It&#8217;s best to accept the renewal and then shop around the next month (prorated cancellation). <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">During the policy \u2014 possible<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">No significant cancellation penalty: just a pro-rata refund. Switch as soon as a better deal is found. <\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Assur360 Tip<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\"><strong style=\"color:#ffffff;\">Young people aged 16-24<\/strong>, drivers with a recent accident or owners of a <strong style=\"color:#ffffff;\">luxury vehicle<\/strong> particularly benefit from shopping. Price differences between insurers can exceed <strong style=\"color:#ffffff;\">$1,000 per year<\/strong> on the same profile. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Renewal-rates-observed-in-Quebec-in-2026\"><\/span>Renewal rates observed in Quebec in 2026<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;\">Typical<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">current premium<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">profile Assur360 premium earned*<\/th><\/tr><\/thead>\n    <tbody><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Couple 40-55 years old, 2 vehicles, clean record<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$1,580<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">1,180 \u2013 $1,380<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Driver 30-45 years old, sedan, good record<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$980<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">760 \u2013 $880<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Family with young driver (18-24)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$2,980<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">2,180 \u2013 $2,480<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Driver 55+, newer vehicle<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$1,120<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">820 \u2013 $980<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Record with 1 accident 3 years ago<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$1,680<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">1,280 \u2013 $1,450<\/td><\/tr><\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*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;\">FREE COMPARISON<\/p>\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;\">Is your renewal coming soon?<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">An Assur360 broker compares 9+ insurers and calls you back within the hour.<\/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=\"The-7-levers-to-reduce-your-renewal-premium\"><\/span>The 7 levers to reduce your renewal premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udd17<\/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 <strong>10 to 15%<\/strong> discount with most insurers when you combine the two policies.<\/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;\">Increase your deductible<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Going from $250 to $500 or $1,000 deductible reduces your premium by <strong>8 to 15 per cent<\/strong>.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udd12<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Anti-theft device or telemetry<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Up <strong>to 15% off<\/strong> with an approved immobilizer or telemetry box.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude97<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Safer vehicle<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Models with automatic braking, blind spot detection and a rearview camera pay less.<\/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\udcdd<\/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 when you pay the premium in a single annual payment.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83e\uddd1\u200d\ud83c\udf93<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Student or Retiree Voucher Discount<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Average of 80% or more in school, or retired 55+ years old: up to <strong>10% off<\/strong>.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can-I-change-insurer-during-the-course-of-the-policy\"><\/span>Can I change insurer during the course of the policy?<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;\">Yes, but not just any old way<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">You can cancel your policy at any time, but <strong>never cut it until you sign the new<\/strong> one. A break, even for a day, creates a hole in your history and can cause you to lose discounts in the future. Your Assur360 broker synchronizes the two dates for you.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Service-throughout-Quebec\"><\/span>Service throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\">The brokers of our Assur360 partner firms process renewals throughout Quebec: <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Longueuil<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>Thetford Mines<\/strong> and <strong>Drummondville<\/strong>. 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\/saving-on-car-insurance\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">12 tips to save money<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Our 2026 strategies to reduce your car insurance premium.<\/p>\n  <\/a>\n  <a href=\"\/\" 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 in 2026.<\/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;\">Role of the car insurance broker<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">How a broker from our partner firms can save you money.<\/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-renewal\"><\/span>Frequently asked questions \u2014 Car insurance renewal<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;\">Do I automatically have to accept my car insurance renewal?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No. Your insurer automatically renews your policy, but you don&#8217;t have to accept it. You can <strong>change insurers at any time<\/strong>, even before the end of the term, without a significant penalty \u2014 just a proration of the premium paid.  <\/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;\">When should I shop around for my car insurance before renewal?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Ideally <strong>30 to 45 days before<\/strong> the expiry date indicated on your policy. This gives your broker time to compare 9+ insurers and prepare your new policy without interruption. <\/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;\">My insurer increases my premium without an accident \u2014 is this normal?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, unfortunately. Each year, premiums rise by an average of <strong>5 to 12%<\/strong> even without an accident, due to inflation, the cost of parts and regional claims. Hence the importance of shopping every 1-2 years.  <\/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;\">Will I lose my driving history if I change insurers?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No. Your history is recorded in the <strong>Central Automobile Claims File (FCSA)<\/strong> and follows your file, regardless of the insurer. A good file benefits you with all partners.  <\/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;\">Do I have to wait until the deadline to change airlines?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No. You can change at any time, but the due date is a good time as there are no cancellation fees. If you change during the course of your policy, you will receive a prorated refund minus a small administrative fee.  <\/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 can I avoid the increase in my renewal bonus?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">1) Shop with a broker. 2) Combine car + home. 3) Increase your deductible. 4) Install an anti-theft device. 5) Take advantage of telemetry discounts. <a href=\"https:\/\/www.assur360.ca\/en\/fast-online-car-quote\/\">Compare 9+ insurers 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;\">What documents should I prepare for renewal?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Your <strong>current policy<\/strong>, <strong>driver&#8217;s license<\/strong>, <strong>vehicle registration<\/strong> , claims history (your broker can get it), and secondary driver information.<\/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 should I do if my insurer refuses to renew me?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">A non-renewal can occur after several claims or for another reason. In this case, a broker from our partner firms can find you a company that accepts your profile, even if it is substandard. Contact Assur360 at <strong>1-866-357-4451<\/strong>.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is multi-product renewal always beneficial?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Generally yes \u2014 bundled discounts account for 10-15% of your premium. But sometimes, separating car and home with two different insurers costs less. A broker compares the two scenarios for you.  <\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Dois-je automatiquement accepter mon renouvellement d'assurance auto ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non. Votre assureur renouvelle automatiquement votre police, mais vous n'\u00eates pas oblig\u00e9 de l'accepter. Vous pouvez <strong>changer d'assureur en tout temps, m\u00eame avant l'\u00e9ch\u00e9ance, sans p\u00e9nalit\u00e9 importante \u2014 juste un prorata sur la prime pay\u00e9e.\"}}, {\"@type\": \"Question\", \"name\": \"Quand faire magasiner mon assurance auto avant renouvellement ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Id\u00e9alement <\/strong><strong>30 \u00e0 45 jours avant la date d'\u00e9ch\u00e9ance indiqu\u00e9e sur votre police. Cela laisse le temps \u00e0 votre courtier de comparer 9+ assureurs et de pr\u00e9parer votre nouvelle police sans interruption.\"}}, {\"@type\": \"Question\", \"name\": \"Mon assureur augmente ma prime sans accident \u2014 est-ce normal ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, malheureusement. Chaque ann\u00e9e, les primes grimpent en moyenne de <\/strong><strong>5 \u00e0 12 % m\u00eame sans accident, \u00e0 cause de l'inflation, du co\u00fbt des pi\u00e8ces et des sinistres r\u00e9gionaux. D'o\u00f9 l'importance de magasiner chaque 1-2 ans.\"}}, {\"@type\": \"Question\", \"name\": \"Vais-je perdre mon historique de conduite si je change d'assureur ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non. Votre historique est inscrit au <\/strong><strong>Fichier central des sinistres automobiles (FCSA) et suit votre dossier, peu importe l'assureur. Un bon dossier vous b\u00e9n\u00e9ficie chez tous les partenaires.\"}}, {\"@type\": \"Question\", \"name\": \"Dois-je attendre l'\u00e9ch\u00e9ance pour changer de compagnie ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non. Vous pouvez changer en tout temps, mais l'\u00e9ch\u00e9ance est le moment id\u00e9al car il n'y a aucun frais d'annulation. Si vous changez en cours de police, vous recevrez un remboursement prorata moins des frais administratifs minimes.\"}}, {\"@type\": \"Question\", \"name\": \"Comment \u00e9viter la hausse de ma prime au renouvellement ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"1) Magasinez avec un courtier. 2) Combinez auto + habitation. 3) Augmentez votre franchise. 4) Installez un dispositif antivol. 5) Profitez des rabais t\u00e9l\u00e9m\u00e9trie. <a href=\\\"\/soumission-auto-rapide-en-ligne\/\\\">Comparez 9+ assureurs gratuitement.\"}}, {\"@type\": \"Question\", \"name\": \"Quels documents pr\u00e9parer pour le renouvellement ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Votre <strong>police actuelle, votre <\/strong><strong>permis de conduire, le <\/strong><strong>certificat d'immatriculation du ou des v\u00e9hicules, l'historique des r\u00e9clamations (votre courtier peut l'obtenir) et les informations des conducteurs secondaires.\"}}, {\"@type\": \"Question\", \"name\": \"Que faire si mon assureur refuse de me renouveler ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Un non-renouvellement peut arriver apr\u00e8s plusieurs sinistres ou pour une autre raison. Dans ce cas, un courtier de nos cabinets partenaires peut vous trouver une compagnie qui accepte votre profil, m\u00eame sous-standard. Contactez Assur360 au <\/strong><strong>1-866-357-4451.\"}}, {\"@type\": \"Question\", \"name\": \"Le renouvellement multi-produits est-il toujours avantageux ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"G\u00e9n\u00e9ralement oui \u2014 les rabais group\u00e9s repr\u00e9sentent 10 \u00e0 15 % de votre prime. Mais parfois, s\u00e9parer auto et habitation chez deux assureurs diff\u00e9rents co\u00fbte moins cher. Un courtier compare les deux sc\u00e9narios pour vous.\"}}]}<\/strong><\/a><\/strong><\/script> \n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span> <span style=\"color:#334155;font-size:14px;\"><strong>Members of the Insurance Chamber<\/strong> and the Insurance Chamber<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">More than <strong>100,000 submissions processed<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>9+ insurers<\/strong> compared in 3 minutes<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> brokers at your service<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100% Quebec<\/strong> service<\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Your car renewal \u2014 don&#8217;t accept without comparing<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">9+ insurers, 3 minutes, savings guaranteed. Free quote without obligation. <\/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\": \"Renouvellement\", \"item\": \"https:\/\/www.assur360.ca\/renouvellement-assurance-auto\/\"}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>2026 Quebec Car Insurance Renewal: Compare Before You Sign Is your car insurance renewal in Quebec coming soon? Don&#8217;t sign before you [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":45777,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Auto Insurance Renewal Quebec 2026 | Assur360","_seopress_titles_desc":"2026 Auto Renewal: Save $300\/year. 30+ insurers compared. Free 3 min. AMF quote.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Car insurance renewal","_seopress_social_fb_desc":"Compare the best car insurance offers in Quebec. AMF certified broker. 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