{"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":"2026-04-19T22:43:00","modified_gmt":"2026-04-20T02:43:00","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<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 style=\"font-size:17px;line-height:1.8;color:#334155;\">Is your <strong>car insurance renewal in Quebec<\/strong> coming soon? Do not sign before comparing! At <strong>Assur360<\/strong>, an <strong>AMF-certified firm<\/strong>, our independent brokers compare <strong>9+ insurers<\/strong> to save you money with each renewal. In 2026, premiums have gone up even higher \u2014 a call to us before your due date can save you <strong>$200 to $500 a 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 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 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 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 style=\"color:#334155;line-height:1.7;\">Our Assur360 brokers 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=\"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 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 an independent broker 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 from 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 deadline is a great time as there are no cancellation fees. If you change your policy during the course of the 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, an independent broker 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 ind\u00e9pendant 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.\"}}]}<!-- 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;\">Your car renewal \u2014 don'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>Is your car insurance renewal in Quebec coming soon? Do not sign before comparing! At Assur360, an AMF-certified firm, our independent brokers [&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":"Auto Insurance Renewal Quebec 2026 | Assur360","_seopress_titles_desc":"2026 Car Renewal: Save $300\/year. 30+ insurers compared. Free 3 min. AMF quote. ","_seopress_robots_index":"","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-16116","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\/16116","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=16116"}],"version-history":[{"count":20,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/16116\/revisions"}],"predecessor-version":[{"id":56537,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/16116\/revisions\/56537"}],"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=16116"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}