{"id":16186,"date":"2024-01-15T15:03:40","date_gmt":"2024-01-15T20:03:40","guid":{"rendered":"https:\/\/www.assur360.ca\/car-insurer\/"},"modified":"2026-09-02T12:38:06","modified_gmt":"2026-09-02T16:38:06","slug":"car-insurer","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/insurer-2\/car-insurer\/","title":{"rendered":"Car insurer"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n<section style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:80px 24px;color:#ffffff;text-align:center;\">\n  <div style=\"max-width:900px;margin:0 auto;\">\n    <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 16px;\">Compare car insurance Quebec<\/p>\n    <h1 style=\"color:#ffffff;font-size:42px;font-weight:800;line-height:1.2;margin:0 0 20px;\"><span class=\"ez-toc-section\" id=\"Car-insurer-in-Quebec-%E2%80%94-compare-several-offers-in-minutes\"><\/span>Car insurer in Quebec \u2014 compare several offers in minutes<span class=\"ez-toc-section-end\"><\/span><\/h1>\n    <p style=\"color:#cbd5e1;font-size:19px;line-height:1.6;margin:0 0 32px;max-width:720px;margin-left:auto;margin-right:auto;\">Assur360 is an independent comparison tool that forwards your request to <strong style=\"color:#ffffff;\">AMF-certified partner firms and brokers<\/strong>. You receive several car quotes adapted to your vehicle, your file and your region. <\/p>\n    <a href=\"\/comparateur-assurance\/auto\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;font-size:18px;font-weight:700;padding:18px 40px;border-radius:8px;text-decoration:none;box-shadow:0 4px 16px rgba(16,196,199,0.35);\">Compare my car quotes\u2192<\/a>\n    <p style=\"color:#94a3b8;font-size:14px;margin:20px 0 0;\">Free \u00b7 No commitment \u00b7 Quick Response<\/p>\n  <\/div>\n<\/section>\n\n<section style=\"background:#ffffff;padding:48px 24px;border-bottom:1px solid #e2e8f0;\">\n  <div style=\"max-width:1200px;margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr);gap:32px;text-align:center;\">\n    <div>\n      <div style=\"font-size:36px;font-weight:800;color:#10c4c7;line-height:1;\">15+<\/div>\n      <div style=\"color:#64748b;font-size:14px;font-weight:600;margin-top:8px;text-transform:uppercase;letter-spacing:1px;\">Car insurers compared<\/div>\n    <\/div>\n    <div>\n      <div style=\"font-size:36px;font-weight:800;color:#10c4c7;line-height:1;\">3-5<\/div>\n      <div style=\"color:#64748b;font-size:14px;font-weight:600;margin-top:8px;text-transform:uppercase;letter-spacing:1px;\">Minutes to submit<\/div>\n    <\/div>\n    <div>\n      <div style=\"font-size:36px;font-weight:800;color:#10c4c7;line-height:1;\">24 hrs<\/div>\n      <div style=\"color:#64748b;font-size:14px;font-weight:600;margin-top:8px;text-transform:uppercase;letter-spacing:1px;\">Average Broker Reminder<\/div>\n    <\/div>\n    <div>\n      <div style=\"font-size:36px;font-weight:800;color:#10c4c7;line-height:1;\">4,7\/5<\/div>\n      <div style=\"color:#64748b;font-size:14px;font-weight:600;margin-top:8px;text-transform:uppercase;letter-spacing:1px;\">Customer satisfaction<\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Choosing-the-right-car-insurer-what-really-makes-the-difference\"><\/span>Choosing the right car insurer: what really makes the difference<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Finding the right car insurer is not just about the lowest price. You have to balance <strong>affordable premiums, adequate coverage and quality of service<\/strong>, especially in the event of a claim. A partner broker helps you compare several insurers simultaneously and choose the coverage that corresponds to your profile (vehicle, driving record, mileage, region).  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-3-main-car-insurance-coverages-in-Quebec\"><\/span>The 3 main car insurance coverages in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">In Quebec, <strong>civil liability is mandatory<\/strong>. Other coverage is optional but strongly recommended depending on the value and use of the vehicle. <\/p>\n\n<div style=\"max-width:1200px;margin:32px auto;display:grid;grid-template-columns:repeat(3,1fr);gap:24px;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:32px 24px;\">\n    <div style=\"font-size:32px;margin-bottom:12px;\">\ud83d\udee1\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:20px;font-weight:800;margin:0 0 12px;\">Civil liability (chapter A)<\/h3>\n    <p style=\"color:#334155;font-size:15px;line-height:1.6;margin:0;\"><strong>Mandatory in Quebec<\/strong>. Covers damage you cause to others (injuries, property). Minimum $1 million, often $2 million recommended.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:32px 24px;\">\n    <div style=\"font-size:32px;margin-bottom:12px;\">\ud83d\udca5<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:20px;font-weight:800;margin:0 0 12px;\">Collision and rollover (chapter B2)<\/h3>\n    <p style=\"color:#334155;font-size:15px;line-height:1.6;margin:0;\">Repairs your vehicle in the event of an <strong>at-fault accident<\/strong> or collision with an object. Typical deductible $250 to $1,000. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:32px 24px;\">\n    <div style=\"font-size:32px;margin-bottom:12px;\">\ud83d\udd12<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:20px;font-weight:800;margin:0 0 12px;\">All risks (Chapter B1)<\/h3>\n    <p style=\"color:#334155;font-size:15px;line-height:1.6;margin:0;\"><strong>Most comprehensive<\/strong> coverage: collision, theft, vandalism, fire, hail, animals. Recommended for recent or financed vehicles. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Get-a-car-insurance-quote-in-4-steps\"><\/span>Get a car insurance quote in 4 steps<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:1000px;margin:32px auto;display:flex;flex-direction:column;gap:20px;\">\n  <div style=\"display:flex;gap:24px;align-items:flex-start;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:24px;\">\n    <div style=\"flex-shrink:0;width:48px;height:48px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:20px;font-weight:800;\">1<\/div>\n    <div>\n      <h3 style=\"color:#0d1f2d;font-size:19px;font-weight:800;margin:0 0 8px;\">Your Personal Information<\/h3>\n      <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Name, address, date of birth, licence. The postal code determines the fare zone (Montreal, Quebec, regions). <\/p>\n    <\/div>\n  <\/div>\n  <div style=\"display:flex;gap:24px;align-items:flex-start;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:24px;\">\n    <div style=\"flex-shrink:0;width:48px;height:48px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:20px;font-weight:800;\">2<\/div>\n    <div>\n      <h3 style=\"color:#0d1f2d;font-size:19px;font-weight:800;margin:0 0 8px;\">The vehicle to be insured<\/h3>\n      <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Make, model, year, VIN, annual mileage, use (personal\/work). These elements directly influence the premium. <\/p>\n    <\/div>\n  <\/div>\n  <div style=\"display:flex;gap:24px;align-items:flex-start;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:24px;\">\n    <div style=\"flex-shrink:0;width:48px;height:48px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:20px;font-weight:800;\">3<\/div>\n    <div>\n      <h3 style=\"color:#0d1f2d;font-size:19px;font-weight:800;margin:0 0 8px;\">Your driving record<\/h3>\n      <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Age of licence, claims of the last 6 years, offences, vehicle inspection training (if applicable).<\/p>\n    <\/div>\n  <\/div>\n  <div style=\"display:flex;gap:24px;align-items:flex-start;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:24px;\">\n    <div style=\"flex-shrink:0;width:48px;height:48px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:20px;font-weight:800;\">4<\/div>\n    <div>\n      <h3 style=\"color:#0d1f2d;font-size:19px;font-weight:800;margin:0 0 8px;\">You receive several offers<\/h3>\n      <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">A partner broker calls you back with several comparable quotes. You choose the one that best fits your budget. <\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Factors-that-influence-the-price-of-your-car-insurance\"><\/span>Factors that influence the price of your car insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Each insurer applies its own fee schedule. This is why the differences between two quotes can be significant \u2014 hence the interest in comparing via a broker rather than renewing blindly every year. <\/p>\n\n<div style=\"max-width:1000px;margin:32px auto;overflow-x:auto;\">\n  <table style=\"width:100%;border-collapse:collapse;background:#ffffff;border-radius:12px;overflow:hidden;box-shadow:0 2px 8px rgba(13,31,45,0.06);\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\">\n        <th style=\"padding:16px 20px;text-align:left;font-weight:700;font-size:15px;\">Factor<\/th>\n <th style=\"padding:16px 20px;text-align:left;font-weight:700;font-size:15px;\">Effect on premium<\/th>        \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:14px 20px;font-weight:600;color:#0d1f2d;border-bottom:1px solid #e2e8f0;\">Age and experience of the driver<\/td><td style=\"padding:14px 20px;color:#334155;border-bottom:1px solid #e2e8f0;\">Drivers under 25 years of age and recent licence = higher premium<\/td><\/tr>\n      <tr><td style=\"padding:14px 20px;font-weight:600;color:#0d1f2d;border-bottom:1px solid #e2e8f0;\">Recent<\/td><td style=\"padding:14px 20px;color:#334155;border-bottom:1px solid #e2e8f0;\">Claims and Violations Increase<\/td> Premium<\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:14px 20px;font-weight:600;color:#0d1f2d;border-bottom:1px solid #e2e8f0;\">Vehicle type<\/td><td style=\"padding:14px 20px;color:#334155;border-bottom:1px solid #e2e8f0;\">Expensive to repair or stolen models = higher premium<\/td><\/tr>\n      <tr><td style=\"padding:14px 20px;font-weight:600;color:#0d1f2d;border-bottom:1px solid #e2e8f0;\">Usage and mileage<\/td><td style=\"padding:14px 20px;color:#334155;border-bottom:1px solid #e2e8f0;\">Work\/pleasure commute and annual km affect the risk<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:14px 20px;font-weight:600;color:#0d1f2d;border-bottom:1px solid #e2e8f0;\">Geographic area<\/td><td style=\"padding:14px 20px;color:#334155;border-bottom:1px solid #e2e8f0;\">Montreal and major cities = higher premium than in the regions<\/td><\/tr>\n      <tr><td style=\"padding:14px 20px;font-weight:600;color:#0d1f2d;border-bottom:1px solid #e2e8f0;\">Selected deductible<\/td><td style=\"padding:14px 20px;color:#334155;border-bottom:1px solid #e2e8f0;\">Higher deductible = lower premium<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:14px 20px;font-weight:600;color:#0d1f2d;\">Car + home combination<\/td><td style=\"padding:14px 20px;color:#334155;\">Frequent discounts with most insurers<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n<p style=\"max-width:1000px;margin:12px auto 0;color:#64748b;font-size:13px;font-style:italic;text-align:center;\">The premiums are indicative and determined after individual analysis by the partner broker.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Car-insurer-by-city-in-Quebec\"><\/span>Car insurer by city in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Our partner firms cover all regions of Quebec. Rates and discounts vary by city \u2014 here are the main markets we serve: <\/p>\n\n<div style=\"max-width:1000px;margin:24px auto;background:#f8fafc;padding:28px;border-radius:12px;\">\n  <p style=\"color:#334155;font-size:16px;line-height:1.8;margin:0;\">We accompany motorists in <strong>Montreal, Quebec City, Laval, Longueuil, Sherbrooke, Trois-Rivi\u00e8res, Gatineau, L\u00e9vis, Saguenay and Terrebonne<\/strong>, as well as in all other municipalities in Quebec.<\/p>\n<\/div>\n\n<div style=\"max-width:1000px;margin:48px auto;background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border:2px solid #10c4c7;border-radius:16px;padding:40px 32px;color:#ffffff;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">\ud83d\udca1 Assur360 advice<\/p>\n  <h3 style=\"color:#ffffff;font-size:24px;font-weight:800;margin:0 0 16px;\">Shop every year, even if you&#8217;re satisfied<\/h3>\n  <p style=\"color:#cbd5e1;font-size:16px;line-height:1.7;margin:0;\">Insurers review their fee schedules regularly. Two years later, the most competitive company for your profile may no longer be the same. Comparing through a broker takes only a few minutes and can represent significant annual savings \u2014 without changing your coverage.  <\/p>\n<\/div>\n\n<section style=\"background:#f0fdfa;padding:48px 24px;margin:48px 0;border-radius:16px;\">\n  <div style=\"max-width:900px;margin:0 auto;\">\n    <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;text-align:center;\">Why choose Assur360 for your car<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:30px;font-weight:800;margin:0 0 32px;text-align:center;\"><span class=\"ez-toc-section\" id=\"An-independent-comparison-tool-backed-by-AMF-certified-partner-firms\"><\/span>An independent comparison tool, backed by AMF-certified partner firms<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px 32px;\">\n      <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:22px;font-weight:800;flex-shrink:0;\">\u2713<\/span><span style=\"color:#334155;font-size:16px;line-height:1.6;\"><strong>Multiple offers in one step<\/strong> \u2014 no need to contact each insurer separately.<\/span><\/div>\n      <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:22px;font-weight:800;flex-shrink:0;\">\u2713<\/span><span style=\"color:#334155;font-size:16px;line-height:1.6;\"><strong>AMF-certified partner firms<\/strong> and representatives who are members of the Chambre de l&#8217;assurance.<\/span><\/div>\n      <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:22px;font-weight:800;flex-shrink:0;\">\u2713<\/span><span style=\"color:#334155;font-size:16px;line-height:1.6;\"><strong>No fees<\/strong> \u2014 the comparison process is completely free for the consumer.<\/span><\/div>\n      <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:22px;font-weight:800;flex-shrink:0;\">\u2713<\/span> <span style=\"color:#334155;font-size:16px;line-height:1.6;\"><strong>Privacy Bill 25<\/strong> \u2014 your information is protected in accordance with Quebec law.<\/span><\/div>\n      <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:22px;font-weight:800;flex-shrink:0;\">\u2713<\/span><span style=\"color:#334155;font-size:16px;line-height:1.6;\"><strong>You remain in control of the decision<\/strong> \u2014 the quote is non-binding.<\/span><\/div>\n      <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:22px;font-weight:800;flex-shrink:0;\">\u2713<\/span><span style=\"color:#334155;font-size:16px;line-height:1.6;\">Support <strong>all of Quebec<\/strong>, from Greater Montreal to remote areas.<\/span><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-about-car-insurers\"><\/span>Frequently asked questions about car insurers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:900px;margin:24px auto;\">\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">How to choose the best car insurer in Quebec?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;font-size:15px;line-height:1.7;\">Compare at least 3 quotes from different insurers. Look at the price, but also the quality of the claim service, the deductible, the coverage included (replacement vehicle, replacement cost, ARR reimbursement). An independent broker makes this comparison for you.  <\/div>\n  <\/details>\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">Can I change my car insurer during the course of my contract?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;font-size:15px;line-height:1.7;\">Yes. You must respect the <strong>notice of termination<\/strong> (usually 30 days) provided for in your contract. The insurer refunds the unused premium on a prorated basis. A partner broker can coordinate the changeover to the new insurer without interruption of coverage.   <\/div>\n  <\/details>\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">What car protection is mandatory in Quebec?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;font-size:15px;line-height:1.7;\">Only <strong>civil liability (chapter A)<\/strong> is mandatory under the Automobile Insurance Act. It covers damage you cause to others. Collision, comprehensive and replacement vehicle coverage are optional.  <\/div>\n  <\/details>\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">Does the price vary by city in Quebec?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;font-size:15px;line-height:1.7;\">Yes. Insurers take into account the <strong>frequency of claims, vehicle theft and traffic density<\/strong> by postal code. Residents of Montreal generally pay more than in the regions, with an equivalent profile.  <\/div>\n  <\/details>\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">How long is a car quote valid?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;font-size:15px;line-height:1.7;\">Most insurers honour a quote for <strong>30 days<\/strong>, as long as the information provided remains accurate (no new claims, no changes to vehicle or primary driver).<\/div>\n  <\/details>\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">Are Assur360&#8217;s services really free?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;font-size:15px;line-height:1.7;\">Yes. The quote request is <strong>100% free<\/strong> and without obligation. The partner broker is paid by the insurer only if you choose to take out a policy.  <\/div>\n  <\/details>\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">What does the replacement vehicle endorsement (endorsement 20) cover?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;font-size:15px;line-height:1.7;\"><strong>Endorsement 20<\/strong> provides you with a replacement vehicle or transportation allowance while your insurance covers repairs. Modest annual cost, very useful in the event of a claim. <\/div>\n  <\/details>\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">What to do in case of an accident?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;font-size:15px;line-height:1.7;\">Secure the premises, fill out the <a href=\"https:\/\/www.assur360.ca\/en\/joint-report-the-app-for-reporting-an-accident\/\">joint report<\/a>, take photos, note the name and policy number of the other driver, call the police if necessary, and then contact your insurer or broker as soon as possible. Visit our <a href=\"https:\/\/www.assur360.ca\/en\/disaster-emergency\/\">claims emergency page<\/a>. <\/div>\n  <\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Explore-further\"><\/span>Explore further<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:1200px;margin:32px auto;display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;\">\n  <a href=\"\/comparateur-assurance\/auto\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;\">\n    <div style=\"font-size:28px;margin-bottom:8px;\">\ud83d\udd0d<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:800;margin:0 0 6px;\">Car insurance comparison<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Compare several offers online<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/blog\/price-2\/quebec-car-insurance-2\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;\">\n    <div style=\"font-size:28px;margin-bottom:8px;\">\ud83d\udcb0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:800;margin:0 0 6px;\">Car insurance prices in Quebec<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Factors and price ranges<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/insurance-with-a-criminal-record\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;\">\n    <div style=\"font-size:28px;margin-bottom:8px;\">\ud83d\udccb<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:800;margin:0 0 6px;\">Complicated case<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Solutions for difficult cases<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/insurance-quick-quote\/personal-watercraft-insurance-quick-quote\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;\">\n    <div style=\"font-size:28px;margin-bottom:8px;\">\ud83c\udf0a<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:800;margin:0 0 6px;\">Personal Watercraft Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Jet ski, sea-doo<\/p>\n  <\/a>\n  <a href=\"\/assurance\/moto\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;\">\n    <div style=\"font-size:28px;margin-bottom:8px;\">\ud83c\udfcd\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:800;margin:0 0 6px;\">Motorcycle insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Sport, Touring, Custom<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/disaster-emergency\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;\">\n    <div style=\"font-size:28px;margin-bottom:8px;\">\ud83d\udea8<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:800;margin:0 0 6px;\">Disaster Emergency<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">What to do after an accident<\/p>\n  <\/a>\n<\/div>\n\n<section style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:64px 24px;margin:48px 0 0;text-align:center;border-radius:16px;\">\n  <div style=\"max-width:800px;margin:0 auto;\">\n    <h2 class=\"wp-block-heading\" style=\"color:#ffffff;font-size:32px;font-weight:800;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Compare-your-car-insurance-now\"><\/span>Compare your car insurance now<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#cbd5e1;font-size:18px;line-height:1.6;margin:0 0 32px;\">Multiple quotes in one process. 3 to 5 minutes, no charge. <\/p>\n    <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n      <a href=\"\/comparateur-assurance\/auto\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;font-size:17px;font-weight:700;padding:16px 32px;border-radius:8px;text-decoration:none;box-shadow:0 4px 16px rgba(16,196,199,0.35);\">Get my car quotes \u2192<\/a>\n <a href=\"https:\/\/www.assur360.ca\/en\/insurer-2\/\" style=\"display:inline-block;background:transparent;color:#ffffff;border:2px solid #ffffff;font-size:17px;font-weight:700;padding:14px 32px;border-radius:8px;text-decoration:none;\">See all types of insurers<\/a>      \n    <\/div>\n  <\/div>\n<\/section>\n\n<script type=\"application\/ld+json\">{\n  \"@context\":\"https:\/\/schema.org\",\n  \"@type\":\"FAQPage\",\n  \"mainEntity\":[\n    {\"@type\":\"Question\",\"name\":\"Comment choisir le meilleur assureur auto au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Comparez au moins 3 soumissions provenant d'assureurs diff\u00e9rents. Regardez le prix, mais aussi la qualit\u00e9 du service \u00e0 la r\u00e9clamation, la franchise, les protections incluses. Un courtier ind\u00e9pendant fait cette comparaison \u00e0 votre place.\"}},\n    {\"@type\":\"Question\",\"name\":\"Puis-je changer d'assureur auto en cours de contrat ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Vous devez respecter le pr\u00e9avis de r\u00e9siliation (g\u00e9n\u00e9ralement 30 jours) pr\u00e9vu \u00e0 votre contrat. L'assureur rembourse la prime non utilis\u00e9e au prorata.\"}},\n    {\"@type\":\"Question\",\"name\":\"Quelle protection auto est obligatoire au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Seule la responsabilit\u00e9 civile (chapitre A) est obligatoire par la Loi sur l'assurance automobile. Elle couvre les dommages que vous causez \u00e0 autrui.\"}},\n    {\"@type\":\"Question\",\"name\":\"Est-ce que le prix varie selon la ville au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Les assureurs tiennent compte de la fr\u00e9quence des sinistres, du vol de v\u00e9hicules et de la densit\u00e9 de circulation par code postal. Les r\u00e9sidents de Montr\u00e9al paient g\u00e9n\u00e9ralement plus cher qu'en r\u00e9gion, \u00e0 profil \u00e9quivalent.\"}},\n    {\"@type\":\"Question\",\"name\":\"Combien de temps est valide une soumission auto ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La plupart des assureurs honorent une soumission pendant 30 jours, \u00e0 condition que les informations fournies restent exactes.\"}},\n    {\"@type\":\"Question\",\"name\":\"Est-ce que les services d'Assur360 sont vraiment gratuits ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. La demande de soumission est 100 % gratuite et sans engagement. Le courtier partenaire est r\u00e9mun\u00e9r\u00e9 par l'assureur uniquement si vous choisissez de souscrire une police.\"}},\n    {\"@type\":\"Question\",\"name\":\"Que couvre l'avenant v\u00e9hicule de remplacement (avenant 20) ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L'avenant 20 vous fournit un v\u00e9hicule de remplacement ou une indemnit\u00e9 de transport pendant les r\u00e9parations couvertes par votre assurance.\"}},\n    {\"@type\":\"Question\",\"name\":\"Que faire en cas d'accident ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"S\u00e9curisez les lieux, remplissez le constat amiable, prenez des photos, notez le nom et le num\u00e9ro de police de l'autre conducteur, appelez la police si n\u00e9cessaire, puis contactez votre assureur ou courtier dans les meilleurs d\u00e9lais.\"}}\n  ]\n}\n<\/script><script type=\"application\/ld+json\">{\n  \"@context\":\"https:\/\/schema.org\",\n  \"@type\":\"BreadcrumbList\",\n  \"itemListElement\":[\n    {\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},\n    {\"@type\":\"ListItem\",\"position\":2,\"name\":\"Assureur\",\"item\":\"https:\/\/www.assur360.ca\/assureur\/\"},\n    {\"@type\":\"ListItem\",\"position\":3,\"name\":\"Assureur auto\",\"item\":\"https:\/\/www.assur360.ca\/assureur\/auto\/\"}\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Compare car insurance Quebec Car insurer in Quebec \u2014 compare several offers in minutes Assur360 is an independent comparison tool that forwards [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":102671,"parent":16212,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Auto Insurer Quebec 2026: Compare Quotes | Assur360","_seopress_titles_desc":"Assur360 articles on Auto: advice, indicative prices and insurance comparison in Quebec. 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