{"id":16138,"date":"2025-02-18T17:26:10","date_gmt":"2025-02-18T22:26:10","guid":{"rendered":"https:\/\/www.assur360.ca\/car-insurance-rating\/"},"modified":"2026-05-22T00:56:29","modified_gmt":"2026-05-22T04:56:29","slug":"car-insurance-rating","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/car-insurance-rating\/","title":{"rendered":"2026 Quebec Car Insurance Quote: How Your Price Works"},"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\", \"telephone\": \"1-866-357-4451\", \"url\": \"https:\/\/www.assur360.ca\", \"areaServed\": \"QC\", \"priceRange\": \"$$\"}<\/script><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\": \"Cotation assurance auto Qu\u00e9bec 2026\", \"item\": \"https:\/\/www.assur360.ca\/cotation-assurance-auto\/\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Pourquoi ma prime change-t-elle d'un assureur \u00e0 l'autre?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Chaque assureur a sa formule actuarielle : certains favorisent les 25-55 ans urbains, d'autres les conducteurs matures en r\u00e9gion. Le m\u00eame profil peut varier de 20-40 % en prix.\"}}, {\"@type\": \"Question\", \"name\": \"L'\u00e2ge est-il le facteur #1?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"C'est l'un des plus importants jusqu'\u00e0 25 ans, puis il se stabilise. Apr\u00e8s 65 ans, certains assureurs augmentent \u00e0 nouveau. Votre historique de conduite devient dominant \u00e0 partir de 25 ans.\"}}, {\"@type\": \"Question\", \"name\": \"Le sexe influence-t-il encore ma prime?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui en partie. Les statistiques montrent que les hommes de moins de 25 ans ont plus de sinistres graves. L'\u00e9cart diminue avec l'\u00e2ge.\"}}, {\"@type\": \"Question\", \"name\": \"Ma marque de voiture change beaucoup la prime?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui. Les v\u00e9hicules \u00e0 haute valeur de remplacement, \u00e0 haute puissance ou \u00e0 taux de vol \u00e9lev\u00e9 (certains SUV, pickups, mod\u00e8les de luxe) co\u00fbtent plus cher.\"}}, {\"@type\": \"Question\", \"name\": \"Mon code postal influence-t-il vraiment?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui. Les assureurs ont des statistiques de r\u00e9clamations par code postal. Le centre-ville de Montr\u00e9al peut co\u00fbter 30 % de plus qu'une banlieue rurale.\"}}, {\"@type\": \"Question\", \"name\": \"Un accident est-il sur mon dossier 10 ans?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Le Fichier Central des Sinistres Automobiles (FCSA) conserve 10 ans. Apr\u00e8s 6 ans, la plupart des assureurs ignorent les sinistres anciens.\"}}, {\"@type\": \"Question\", \"name\": \"Puis-je r\u00e9duire ma prime rapidement?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui : 1) Augmenter franchise, 2) Retirer couvertures optionnelles sur vieille voiture, 3) Installer antivol homologu\u00e9, 4) Regrouper avec habitation, 5) Comparer chez un courtier.\"}}, {\"@type\": \"Question\", \"name\": \"Les cours de conduite r\u00e9duisent-ils la prime?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Pour un nouveau conducteur oui (10-15 %). Pour un conducteur exp\u00e9riment\u00e9, quelques assureurs reconnaissent un cours avanc\u00e9 (rabais 5 %).\"}}, {\"@type\": \"Question\", \"name\": \"Puis-je contester ma cotation?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Si vous pensez qu'une erreur a \u00e9t\u00e9 faite (mauvais relev\u00e9 SAAQ, mauvaise classification), contactez votre courtier. L'assureur doit corriger.\"}}, {\"@type\": \"Question\", \"name\": \"Comment obtenir ma meilleure cotation?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Appelez Assur360 au 1-866-357-4451 ou remplissez notre formulaire. Nous comparons 9+ assureurs en 15 minutes et vous pr\u00e9sentons les 3 meilleures offres.\"}}]}<\/script>\n\n<section style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);color:white;padding:60px 24px;border-radius:12px;margin-bottom:32px;\">\n  <div style=\"max-width:900px;margin:0 auto;text-align:center;\">\n    <h1 style=\"color:white;font-size:clamp(28px,4vw,42px);margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Cotation-assurance-auto-Quebec-2026-comment-fonctionne-votre-prix\"><\/span>Cotation assurance auto Qu\u00e9bec 2026 : comment fonctionne votre prix<span class=\"ez-toc-section-end\"><\/span><\/h1>\n    <p style=\"font-size:18px;color:#d1d5db;margin-bottom:32px;\">Comment les assureurs calculent VOTRE prime auto ? D\u00e9couvrez les 12 facteurs qui influencent votre cotation en 2026.<\/p>\n    <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n      <a href=\"https:\/\/www.assur360.ca\/soumission-auto-en-ligne\/\" style=\"display:inline-block;background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:30px;text-decoration:none;font-weight:700;font-size:16px;\">Soumission gratuite<\/a>\n      <a href=\"tel:18663574451\" style=\"display:inline-block;background:transparent;color:white;border:2px solid white;padding:14px 34px;border-radius:30px;text-decoration:none;font-weight:600;\">\ud83d\udcde 1-866-357-4451<\/a>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section style=\"background:#f8fafc;padding:32px 16px;border-radius:12px;margin-bottom:40px;\">\n  <div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:16px;max-width:900px;margin:0 auto;\"><div style=\"text-align:center;padding:16px;\"><div style=\"font-size:32px;font-weight:700;color:#10c4c7;\">12<\/div><div style=\"font-size:13px;color:#64748b;white-space:pre-line;\">Rating Factors\n<\/div><\/div><div style=\"text-align:center;padding:16px;\"><div style=\"font-size:32px;font-weight:700;color:#10c4c7;\">20-30%<\/div><div style=\"font-size:13px;color:#64748b;white-space:pre-line;\">\nInsurer Gap<\/div><\/div><div style=\"text-align:center;padding:16px;\"><div style=\"font-size:32px;font-weight:700;color:#10c4c7;\">15 min<\/div><div style=\"font-size:13px;color:#64748b;white-space:pre-line;\">Compare\nonline<\/div><\/div><div style=\"text-align:center;padding:16px;\"><div style=\"font-size:32px;font-weight:700;color:#10c4c7;\">$500<\/div><div style=\"font-size:13px;color:#64748b;white-space:pre-line;\">Average\nsavings per year<\/div><\/div><\/div>\n<\/section>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-12-factors-that-determine-your-car-premium-in-Quebec-in-2026\"><\/span>The 12 factors that determine your car premium in Quebec in 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">A car insurance quote in Quebec is not a random number. Each insurer uses an actuarial formula that weighs a dozen factors: your driver profile, your vehicle, your use, your history and your location. Understanding these factors allows you to identify those that are putting you at a disadvantage and take action. An Assur360 broker calculates your rating with 9+ insurers in a single step and identifies the insurer that weighs your strengths.   <\/p>\n\n<section style=\"margin:32px 0;\">\n  <div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;\"><div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;\"><h3 style=\"margin:0 0 12px;font-size:18px;color:#0d1f2d;\">Driver profile<\/h3><p style=\"margin:0;font-size:15px;color:#334155;\">Age, sex, age of licence, history of offences and accidents. A 25-55 year old driver with a clean record pays 30 to 50% less than a young or at-risk driver. <\/p><\/div><div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;\"><h3 style=\"margin:0 0 12px;font-size:18px;color:#0d1f2d;\">Vehicle<\/h3><p style=\"margin:0;font-size:15px;color:#334155;\">Make, model, year, value, power, lock, frequency of theft in Quebec. A 2020 Civic costs 40% less than a BMW 3 Series with equivalent protection. <\/p><\/div><div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;\"><h3 style=\"margin:0 0 12px;font-size:18px;color:#0d1f2d;\">Use + Location<\/h3><p style=\"margin:0;font-size:15px;color:#334155;\">Annual mileage, commuting, overnight parking, postal code. Rimouski pays less than Montreal for the same profile. <\/p><\/div><\/div>\n<\/section>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-do-it-in-2026\"><\/span>How to do it in 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<section style=\"max-width:800px;margin:32px auto;\"><div style=\"display:flex;gap:20px;align-items:flex-start;margin-bottom:24px;\"><div style=\"flex-shrink:0;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#0d1f2d;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:18px;\">1<\/div><div style=\"flex:1;\"><h3 style=\"margin:0 0 8px;font-size:17px;color:#0d1f2d;\">Identify your premium factors<\/h3><p style=\"margin:0;color:#334155;font-size:15px;\">Ask your broker for the detailed analysis: age, vehicle, history, location. See where you pay the most. <\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;margin-bottom:24px;\"><div style=\"flex-shrink:0;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#0d1f2d;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:18px;\">2<\/div><div style=\"flex:1;\"><h3 style=\"margin:0 0 8px;font-size:17px;color:#0d1f2d;\">Compare multiple insurers<\/h3><p style=\"margin:0;color:#334155;font-size:15px;\">Each company has its own formula. A profile can be 20% expensive with one insurer, 20% cheaper with another. Always compare 3-5 submissions.  <\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;margin-bottom:24px;\"><div style=\"flex-shrink:0;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#0d1f2d;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:18px;\">3<\/div><div style=\"flex:1;\"><h3 style=\"margin:0 0 8px;font-size:17px;color:#0d1f2d;\">Optimize what&#8217;s under control<\/h3><p style=\"margin:0;color:#334155;font-size:15px;\">Anti-theft, driving lessons, car + home combination, higher deductible: each lever can save $50-200\/year.<\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;margin-bottom:24px;\"><div style=\"flex-shrink:0;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#0d1f2d;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:18px;\">4<\/div><div style=\"flex:1;\"><h3 style=\"margin:0 0 8px;font-size:17px;color:#0d1f2d;\">Review each renewal<\/h3><p style=\"margin:0;color:#334155;font-size:15px;\">Your situation changes (age, car, moving). An Assur360 broker reviews your quotes free of charge at each renewal. <\/p><\/div><\/div><\/section>\n\n<section style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:8px;padding:24px;margin:32px 0;\">\n  <h3 style=\"color:#b91c1c;margin:0 0 12px;font-size:18px;\">\u26a0\ufe0f The SAAQ only influences a portion of your premium<\/h3>\n  <p style=\"margin:0;color:#7f1d1d;font-size:15px;\">In Quebec, the SAAQ covers bodily injury (public no-fault plan). Your private car insurance covers property damage (collision, theft, civil liability). Your private rating depends on your driving record with the SAAQ AND your material claims history.  <\/p>\n<\/section>\n\n<section style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border:2px solid #10c4c7;border-radius:12px;padding:40px 24px;margin:40px 0;text-align:center;\">\n  <h3 style=\"color:white;margin:0 0 12px;font-size:22px;\">Obtenez votre soumission en quelques minutes<\/h3>\n  <p style=\"color:#d1d5db;margin:0 0 20px;\">9+ assureurs compar\u00e9s. Sans engagement. Service gratuit pour le client.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-auto-en-ligne\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:30px;text-decoration:none;font-weight:700;display:inline-block;\">Demander une soumission<\/a>\n<\/section>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quebec-regions-served\"><\/span>Quebec regions served<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Assur360 supports clients throughout Quebec: <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>L\u00e9vis<\/strong>, and all regional municipalities. No matter what your postal code is, our AMF-certified brokers are at your service. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:6px;margin-bottom:12px;\"><summary style=\"padding:16px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">Why does my premium change from one insurer to another?<\/summary><div style=\"padding:16px;color:#334155;\">Each insurer has its own actuarial formula: some favour urban 25-55 year olds, others mature drivers in the regions. The same profile can vary by 20-40% in price. <\/div><\/details>\n\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:6px;margin-bottom:12px;\"><summary style=\"padding:16px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">Is age the #1 factor?<\/summary><div style=\"padding:16px;color:#334155;\">It is one of the most important until the age of 25, then it stabilizes. After age 65, some insurers increase again. Your driving history becomes dominant from the age of 25.  <\/div><\/details>\n\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:6px;margin-bottom:12px;\"><summary style=\"padding:16px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">Does gender still affect my premium?<\/summary><div style=\"padding:16px;color:#334155;\">Yes, in part. Statistics show that men under 25 have more serious losses. The gap decreases with age.  <\/div><\/details>\n\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:6px;margin-bottom:12px;\"><summary style=\"padding:16px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">Does my car brand change the premium a lot?<\/summary><div style=\"padding:16px;color:#334155;\">Yes. Vehicles with high replacement value, high power or high theft rates (some SUVs, pickups, luxury models) cost more.<\/div><\/details>\n\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:6px;margin-bottom:12px;\"><summary style=\"padding:16px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">Does my postal code really have an influence?<\/summary><div style=\"padding:16px;color:#334155;\">Yes. Insurers have claims statistics by postal code. Downtown Montreal can cost 30% more than a rural suburb. <\/div><\/details>\n\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:6px;margin-bottom:12px;\"><summary style=\"padding:16px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">Is an accident on my record 10 years?<\/summary><div style=\"padding:16px;color:#334155;\">The Central Automobile Claims File (FCSA) keeps 10 years. After 6 years, most insurers ignore old claims. <\/div><\/details>\n\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:6px;margin-bottom:12px;\"><summary style=\"padding:16px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">Can I reduce my premium quickly?<\/summary><div style=\"padding:16px;color:#334155;\">Yes: 1) Increase the deductible, 2) Remove optional coverage on old cars, 3) Install approved anti-theft devices, 4) Group with home, 5) Compare with a broker.    <\/div><\/details>\n\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:6px;margin-bottom:12px;\"><summary style=\"padding:16px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">Do driving courses reduce premium?<\/summary><div style=\"padding:16px;color:#334155;\">For a new driver, yes (10-15%). For an experienced driver, some insurers recognize an advanced course (5% discount). <\/div><\/details>\n\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:6px;margin-bottom:12px;\"><summary style=\"padding:16px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">Can I dispute my rating?<\/summary><div style=\"padding:16px;color:#334155;\">If you think a mistake has been made (wrong SAAQ statement, wrong classification), contact your broker. The insurer must correct. <\/div><\/details>\n\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:6px;margin-bottom:12px;\"><summary style=\"padding:16px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">How do I get my best score?<\/summary><div style=\"padding:16px;color:#334155;\">Call Assur360 at 1-866-357-4451 or fill out our form. We compare 9+ insurers in 15 minutes and present you with the top 3 offers. <\/div><\/details>\n\n<section style=\"background:#f0fdfa;border-radius:12px;padding:32px 24px;margin:40px 0;\">\n  <h3 style=\"margin:0 0 16px;color:#0d1f2d;\">Why do business with Assur360<\/h3>\n  <ul style=\"list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px;\">\n    <li style=\"padding:12px 0;color:#334155;\">\u2713 Firm registered with the Autorit\u00e9 des march\u00e9s financiers (AMF)<\/li>\n    <li style=\"padding:12px 0;color:#334155;\">\u2713 Certified brokers in the Insurance Chamber and the Insurance Chamber<\/li>\n    <li style=\"padding:12px 0;color:#334155;\">\u2713 More than 100,000 customers in Quebec since 2010<\/li>\n    <li style=\"padding:12px 0;color:#334155;\">\u2713 Bilingual service available at all times<\/li>\n    <li style=\"padding:12px 0;color:#334155;\">\u2713 No cost to the customer: we are paid by the insurer<\/li>\n    <li style=\"padding:12px 0;color:#334155;\">\u2713 9+ insurers compared in a single step<\/li>\n  <\/ul>\n<\/section>\n\n<section style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);color:white;padding:48px 24px;border-radius:12px;text-align:center;margin-top:40px;\">\n  <h2 style=\"color:white;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Pret-a-comparer\"><\/span>Pr\u00eat \u00e0 comparer?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#d1d5db;margin:0 0 28px;max-width:600px;margin-left:auto;margin-right:auto;\">Nos courtiers certifi\u00e9s AMF comparent 9+ assureurs pour vous. Sans engagement.<\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/soumission-auto-en-ligne\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:30px;text-decoration:none;font-weight:700;display:inline-block;\">Soumission en ligne<\/a>\n    <a href=\"tel:18663574451\" style=\"background:transparent;border:2px solid white;color:white;padding:14px 34px;border-radius:30px;text-decoration:none;font-weight:600;display:inline-block;\">\ud83d\udcde 1-866-357-4451<\/a>\n  <\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Cotation assurance auto Qu\u00e9bec 2026 : comment fonctionne votre prix Comment les assureurs calculent VOTRE prime auto ? 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