{"id":16257,"date":"2019-12-12T17:06:54","date_gmt":"2019-12-12T22:06:54","guid":{"rendered":"https:\/\/www.assur360.ca\/promutuel-insurance-online-quote\/"},"modified":"2026-06-26T00:52:14","modified_gmt":"2026-06-26T04:52:14","slug":"promutuel-insurance-online-quote","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/promutuel-insurance-online-quote\/","title":{"rendered":"Promutuel Insurance: Online Quote"},"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 Insurance Chamber\", \"url\": \"https:\/\/www.assur360.ca\/promutuel-assurance\/\", \"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\": \"Promutuel among 9+ insurers compared by Assur360. Independent AMF broker, free quote in 3 min to find your best price 2026.\", \"address\": {\"@type\": \"PostalAddress\", \"streetAddress\": \"900 Boulevard Frontenac O\", \"addressLocality\": \"Thetford Mines\", \"addressRegion\": \"QC\", \"postalCode\": \"G6G 6L5\", \"addressCountry\": \"CA\"}, \"areaServed\": {\"@type\": \"State\", \"name\": \"Quebec\"}, \"serviceType\": [\"Auto insurance\", \"Home insurance\", \"Business insurance\", \"Life insurance\"]}<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Are you thinking of <strong>Promutuel Insurance<\/strong> for your car, home or business? Great move \u2014 but before you sign, <strong>compare with 30+ other insurers<\/strong> in 3 minutes. At <strong>Assur360<\/strong>, <strong>an AMF-certified independent broker<\/strong>, we are independent: we work for you, not for a company. Our brokers analyze Promutuel alongside <strong>Intact, Desjardins, La Capitale, SSQ, Economical, Aviva<\/strong> and 24 others to find your best price in Quebec in 2026. <a href=\"https:\/\/www.assur360.ca\/en\/fast-online-car-quote\/\">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;\">INDEPENDENT COMPARISON<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Promutuel-among-9-insurers-%E2%80%94-pay-the-right-price\"><\/span>Promutuel among 9+ insurers \u2014 pay the right price<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Assur360 is an independent AMF broker. We compare the entire market 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;\">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;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">100 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Free service<\/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;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Certified firm<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-compare-Promutuel-with-30-other-insurers\"><\/span>Why compare Promutuel with 30+ other insurers?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\">Promutuel is a well-established Quebec mutual, but it doesn&#8217;t always offer the best price for your specific profile. A broker gives you access to the entire market in a single call. <\/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\udd0e<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Comprehensive Market Comparison<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Promutuel, <strong>Intact, Desjardins, La Capitale, SSQ, Economical, Aviva, Wawanesa, Allstate, Pembridge<\/strong> and 20 others \u2014 all on the same table.<\/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;\">Guaranteed savings<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">On average, our customers save <strong>$200 to $500<\/strong> per year by comparing. Without changing their protections. <\/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;\">AMF independence<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">We are <strong>not employees of a company<\/strong>. We are standing up for you \u2014 not for any particular insurer. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Promutuel-Insurance-%E2%80%94-who-is-it-and-what-does-this-Quebec-mutual-offer\"><\/span>Promutuel Insurance \u2014 who is it and what does this Quebec mutual offer?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\"><strong>Promutuel Insurance<\/strong> is one of the oldest mutual insurance companies in Quebec. Founded in 1852 in the Quebec City area, it is incorporated as a <strong>mutual cooperative<\/strong> \u2014 which means that the insureds are also the owners. Its head office is in Quebec City and it now serves more than <strong>625,000 members<\/strong> across the province through a dozen regional mutuals (Promutuel Chaudi\u00e8re-Appalaches, Promutuel Montmagny-L&#8217;Islet, Promutuel Portneuf-Champlain, etc.).  <\/p>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\">The mutual essentially offers three lines of insurance in Quebec:<\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:24px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:22px;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">\ud83d\ude97 Cars &#038; Vehicles<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Private car, recreational vehicle (RV, motorcycle, snowmobile, ATV), commercial vehicle, fleet.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:22px;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">\ud83c\udfe1 Housing<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">House, cottage, condo, condominium, rental unit, income property.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:22px;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">\ud83c\udfe2 Business &#038; Agricultural<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">SMEs, trade, light industry, farming, professional liability.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Promutuel-Insurances-strengths-and-limitations-%E2%80%94-an-insurance-brokers-perspective\"><\/span>Promutuel Insurance&#8217;s strengths and limitations \u2014 an insurance broker&#8217;s perspective<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\">As an independent broker that places thousands of policies in Quebec every year, here&#8217;s our honest reading of what Promutuel does well \u2014 and not so well.<\/p>\n\n<div style=\"display:grid;grid-template-columns:1fr 1fr;gap:24px;margin:32px 0;\">\n  <div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">\u2705 Promutuel&#8217;s strengths<\/h3>\n    <ul style=\"color:#334155;font-size:14px;line-height:1.8;margin:0;padding-left:20px;\">\n      <li><strong>Quebec anchoring<\/strong> \u2014 decisions made here, without a foreign head office.<\/li>\n      <li><strong>Mutual model<\/strong> : members sometimes benefit from annual dividends based on financial results.<\/li>\n      <li><strong>Proximity to the field<\/strong> \u2014 regional offices in medium-sized cities (Thetford Mines, Rimouski, La Pocati\u00e8re, Saint-Hyacinthe, etc.).<\/li>\n      <li><strong>Appetite for rural and agricultural risks<\/strong> \u2014 often better than the major urban insurers for second homes, cottages, farms.<\/li>\n      <li>Generally highly rated <strong>claims service<\/strong> on residential fire and water damage.<\/li>\n    <\/ul>\n  <\/div>\n  <div style=\"background:#fef2f2;border:1px solid #fecaca;border-radius:12px;padding:28px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">\u26a0\ufe0f Observed limitations<\/h3>\n    <ul style=\"color:#334155;font-size:14px;line-height:1.8;margin:0;padding-left:20px;\">\n      <li><strong>Car prices are often less competitive<\/strong> than Intact, Belair or Desjardins for young drivers and large urban vehicles.<\/li>\n      <li><strong>Reduced appetite<\/strong> for drivers with SAAQ violations or an imperfect insurance record.<\/li>\n      <li><strong>Digital tools are less advanced<\/strong> than those of some direct competitors (mobile apps, telematics).<\/li>\n      <li><strong>Multi-product auto+home discounts<\/strong> sometimes less generous than the competition.<\/li>\n      <li>Not always the best choice for <strong>downtown condos<\/strong> or <strong>multi-unit buildings<\/strong>.<\/li>\n    <\/ul>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\">Conclusion: Promutuel is a <strong>good Quebec insurer<\/strong>, but it is <strong>not automatically the cheapest<\/strong> for your profile. Hence the interest in a comparison with 9 other insurers before signing or renewing. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-does-an-Assur360-comparison-work\"><\/span>How does an Assur360 comparison work?<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;\">Request your quote online<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Simple form \u2014 your vehicle or home information. 3 minutes top. <\/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;\">A human broker calls you back<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Not a chatbot. A real AMF broker who discusses your profile and checks the applicable discounts. <\/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;\">You receive 2-3 best offers<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Out of 9+ insurers, we select the 2-3 most advantageous with the right coverage.<\/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;\">You choose, we take care of the rest<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Electronic signature, cancellation of your old policy, transfer of loyalty discounts. Proof issued within 24 hours. <\/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 Transparency<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">We don&#8217;t gain <strong style=\"color:#ffffff;\">anything extra<\/strong> by placing you with one insurer over another. Our remuneration comes from the final insurer you choose, always within a standard range. Our only interest: <strong style=\"color:#ffffff;\">to satisfy you so that you renew with us<\/strong>.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2026-Average-Auto-and-Home-Rates-in-Quebec\"><\/span>2026 Average Auto and Home Rates in Quebec<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;\">Product<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Profile<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Average annual bonus*<\/th><\/tr><\/thead>\n    <tbody><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Car Insurance<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Driver 35-54 years old, clean record, sedan<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$780 \u2013 $1,080<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Car Insurance<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Youth 18-24 years old, compact<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$1,850 \u2013 $2,780<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Homeowner Insurance<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$300,000, Montreal<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$820 \u2013 $1,220<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Home Insurance<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$250,000, Quebec<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$420 \u2013 $620<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Car + Home Combo<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Couple 40-55 years old, good records<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$1,480 \u2013 $1,820 (combined)<\/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;\">Promutuel or other \u2014 find the right price in 3 minutes<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">An AMF broker will call you back within one business hour. 9+ insurers at your disposal. <\/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=\"Promutuel-vs-Intact-Desjardins-TD-and-Belair-%E2%80%94-Direct-Comparison\"><\/span>Promutuel vs. Intact, Desjardins, TD and Belair \u2014 Direct Comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\">Here&#8217;s how Promutuel Insurance stacks up against the 4 major Quebec insurers that we compare most frequently for Assur360 customers. This data reflects general trends observed on our 2025-2026 records \u2014 your final price always depends on your individual profile. <\/p>\n\n<div style=\"overflow-x:auto;margin:24px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;background:#fff;border-radius:12px;overflow:hidden;box-shadow:0 2px 8px rgba(0,0,0,.05);\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#fff;\">\n        <th style=\"padding:14px 12px;text-align:left;\">Criterion<\/th>\n        <th style=\"padding:14px 12px;text-align:center;\">Promutuel<\/th>\n        <th style=\"padding:14px 12px;text-align:center;\">Intact<\/th>\n        <th style=\"padding:14px 12px;text-align:center;\">Desjardins<\/th>\n        <th style=\"padding:14px 12px;text-align:center;\">TD Insurance<\/th>\n        <th style=\"padding:14px 12px;text-align:center;\">Belair<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"border-bottom:1px solid #e2e8f0;\">\n        <td style=\"padding:12px;font-weight:600;color:#0d1f2d;\">Quebec roots<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605\u2605<\/td>\n      <\/tr>\n      <tr style=\"border-bottom:1px solid #e2e8f0;background:#f8fafc;\">\n        <td style=\"padding:12px;font-weight:600;color:#0d1f2d;\">Urban car price<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605\u2605<\/td>\n      <\/tr>\n      <tr style=\"border-bottom:1px solid #e2e8f0;\">\n        <td style=\"padding:12px;font-weight:600;color:#0d1f2d;\">Rural\/Agricultural Hazards<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605<\/td>\n      <\/tr>\n      <tr style=\"border-bottom:1px solid #e2e8f0;background:#f8fafc;\">\n        <td style=\"padding:12px;font-weight:600;color:#0d1f2d;\">Young drivers<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605<\/td>\n      <\/tr>\n      <tr style=\"border-bottom:1px solid #e2e8f0;\">\n        <td style=\"padding:12px;font-weight:600;color:#0d1f2d;\">Digital tools<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605\u2605<\/td>\n      <\/tr>\n      <tr style=\"border-bottom:1px solid #e2e8f0;background:#f8fafc;\">\n        <td style=\"padding:12px;font-weight:600;color:#0d1f2d;\">Dividends<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605 (mutual)<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2013<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2013<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2013<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2013<\/td>\n      <\/tr>\n      <tr>\n        <td style=\"padding:12px;font-weight:600;color:#0d1f2d;\">Claims Service<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605\u2605<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;\">Qualitative assessment based on the files processed at Assur360 in 2025-2026. Positioning may vary depending on your region, vehicle, and profile. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-change-or-cancel-your-Promutuel-policy-safely\"><\/span>How to change or cancel your Promutuel policy safely<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\">If your Assur360 broker finds you a better deal, here&#8217;s how to make the transition without interruption of coverage or surprise penalty:<\/p>\n\n<div style=\"display:flex;flex-direction:column;gap:16px;margin:24px 0;\">\n  <div style=\"display:flex;gap:16px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:32px;height:32px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:14px;flex-shrink:0;\">1<\/div>\n    <div><strong style=\"color:#0d1f2d;\">First, get your new quote signed.<\/strong><p style=\"color:#334155;margin:4px 0 0;font-size:14px;line-height:1.6;\">NEVER cancel Promutuel before you have an effective replacement contract. An interruption in coverage, even for one day, can affect your insurance record for 5 years. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:16px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:32px;height:32px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:14px;flex-shrink:0;\">2<\/div>\n    <div><strong style=\"color:#0d1f2d;\">Send a written notice of termination to Promutuel.<\/strong><p style=\"color:#334155;margin:4px 0 0;font-size:14px;line-height:1.6;\">By email or registered mail, specifying the effective date. Your Assur360 broker can write the notice for you and synchronize the dates to the minute. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:16px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:32px;height:32px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:14px;flex-shrink:0;\">3<\/div>\n    <div><strong style=\"color:#0d1f2d;\">Receive your prorated refund.<\/strong><p style=\"color:#334155;margin:4px 0 0;font-size:14px;line-height:1.6;\">Promutuel will refund the unused portion of the premium. Note that some policies have an administrative fee of 5-10% on the balance. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:16px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:32px;height:32px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:14px;flex-shrink:0;\">4<\/div>\n    <div><strong style=\"color:#0d1f2d;\">Keep your loyalty history.<\/strong><p style=\"color:#334155;margin:4px 0 0;font-size:14px;line-height:1.6;\">Your loss-free years and loyalty discounts remain with you, not with Promutuel. Your broker automatically transfers them to the new insurer. <\/p><\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types-of-insurance-compared-by-Assur360\"><\/span>Types of insurance compared by Assur360<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\ude97<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\"><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\" style=\"color:inherit;text-decoration:none;border-bottom:1px dotted currentColor;\">Car insurance<\/a><\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Liability, collision, all risks. 9+ insurers compared.<\/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\udfe1<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Home insurance<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">House, condo, tenant, secondary. Full coverage + key endorsements. <\/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\udfe2<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Business Insurance<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Commercial, cyber, professional liability, machine breakdown.<\/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\udc99<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Life insurance<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Temporary, permanent, disability, critical illness.<\/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\ude90<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">RV, motorhome, motorhome<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Seasonal or annual coverage, with travel coverage.<\/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\udfcd\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Motorbike, quad, snowmobile, boat<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Optimized leisure policies with options for Quebec.<\/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;\">Assur360 serves all major regions: <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>Thetford Mines<\/strong> (head office) and <strong>Drummondville<\/strong>. By phone, email or in person at our regional offices. <\/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\/rsa-insurance-acquisition\/\" 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;\">RSA Insurance Comparison<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Discover RSA among the 9+ insurers compared by Assur360.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-renewal\/\" 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 renewal<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">How to negotiate your renewal and save each year.<\/p>\n  <\/a>\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;\">12 tips to save money<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Concrete strategies to reduce your premium in 2026.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-Promutuel-and-independent-brokers\"><\/span>Frequently asked questions \u2014 Promutuel and independent brokers<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;\">Does Assur360 represent Promutuel Insurance?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Assur360 is an <strong>independent AMF certified broker<\/strong>. We compare more than 9 insurers for you. Promutuel is one of the recognized Quebec insurers, but our role is to find you <strong>the best price<\/strong> among the entire market, not to promote a single company.  <\/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;\">Why go through a broker rather than go directly to Promutuel?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">A direct insurer can only offer you its own rates. An Assur360 broker compares <strong>30+ companies in a single request<\/strong>. You save time, you see all your choices, and you save an average of <strong>$200 to $500<\/strong> per year.  <\/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 types of insurance can I get?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Auto, home, business, life, RV, motorcycle, boat, quad, snowmobile, cyber, professional liability. <a href=\"https:\/\/www.assur360.ca\/en\/fast-online-car-quote\/\">Request your quote<\/a> by choosing your product.<\/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 long does it take to get a quote with Assur360?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The online form takes <strong>3 minutes<\/strong>. A broker will call you back within the working hour with the best offers from the 9+ insurers compared. <\/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;\">Can my Assur360 broker find me a better price than today?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">In the majority of cases, yes. Our clients save an average of <strong>$200 to $500 per year<\/strong> on the first call. The service is <strong>free<\/strong> for you \u2014 we are paid by the insurer of your choice.  <\/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 multi-product discounts can I get?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Depending on the company: car + home = <strong>10 to 15% off<\/strong>, car + RV = 8%, car + home + life = up to 18%. Your broker automatically accumulates them. <\/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;\">Can I change insurer during the course of the policy?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, at all times. You receive a prorated refund for unused days. <strong>Never cut your policy until you&#8217;ve signed the new one<\/strong> \u2014 your broker syncs the dates. <\/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 do I report a claim with Assur360?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Call your insurer first to open the claim (number on your policy). Then, our team will accompany you with any questions or to assert your rights. See also our <a href=\"https:\/\/www.assur360.ca\/en\/disaster-emergency\/\">disaster emergency guide<\/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 are the recommended home insurance coverages in 2026?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Civil liability $2 million minimum, replacement cost for the residence, water damage endorsement, identity theft endorsement, earthquake insurance if you are in a risk area. A broker assesses your actual exposure. <\/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 Promutuel more expensive than Intact or Desjardins in 2026?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">It depends on your profile. For a 35-55 year old rural driver with a house in the region and a clean record, <strong>Promutuel is often competitive<\/strong>. For a young urban driver or a condo in Montreal, Intact, Belair or Desjardins are frequently cheaper. An Assur360 comparison gives you the exact price in 3 minutes.   <\/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 is a Promutuel rebate and do I always get them?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">As a mutual insurance company, Promutuel can pay an <strong>annual dividend<\/strong> to its members when financial results permit. It&#8217;s <strong>not guaranteed<\/strong> and varies from year to year \u2014 often from 2% to 5% of the premium. Compare this with the immediate savings ($200-500) that a broker can find you by switching insurers.  <\/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;\">Can I keep Promutuel for my home and change to the car?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, it is quite possible. Be careful, however: you <strong>lose the Promutuel multi-product discount<\/strong> (usually 10-15%). Your Assur360 broker will do the full math to see if the savings on the car outweigh the loss of the combined discount. Sometimes yes, sometimes no\u2014hence the value of a personalized analysis.   <\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Does Assur360 represent Promutuel Insurance?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Assur360 is a <strong>AMF certified independent broker. We compare over 9 insurers for you. Promutuel is one of the recognized Quebec insurers, but our role is to find you <\/strong><strong>the best price across the entire market, not to promote a single company.\"}}, {\"@type\": \"Question\", \"name\": \"Why go through a broker instead of going directly to Promutuel?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"A direct insurer can only offer you its own rates. An Assur360 broker compares <\/strong><strong>30+ companies in a single request. You save time, see all your options, and save an average of <\/strong><strong>$200 to $500 per year.\"}}, {\"@type\": \"Question\", \"name\": \"What types of insurance can I obtain?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Auto, home, business, life, RV, motorcycle, boat, ATV, snowmobile, cyber, professional liability. <a href=\\\"\/soumission-auto-rapide-en-ligne\/\\\">Request your quote by choosing your product.\"}}, {\"@type\": \"Question\", \"name\": \"How long does it take to get a quote with Assur360?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"The online form takes <strong>3 minutes. A broker will call you back within the business hour with the best offers from the 9+ insurers compared.\"}}, {\"@type\": \"Question\", \"name\": \"Can my Assur360 broker find me a better price than today?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"In most cases, yes. Our clients save an average of <\/strong><strong>$200 to $500 per year on the first call. The service is <\/strong><strong>free for you \u2014 we are compensated by the chosen insurer.\"}}, {\"@type\": \"Question\", \"name\": \"What multi-product discounts can I get?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Depending on the company: auto + home = <\/strong><strong>10 to 15% discount, auto + RV = 8%, auto + home + life = up to 18%. Your broker automatically combines them.\"}}, {\"@type\": \"Question\", \"name\": \"Can I change insurers mid-policy?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, at any time. You will receive a prorated refund for unused days. <\/strong><strong>Never cancel your policy before signing the new one \u2014 your broker synchronizes the dates.\"}}, {\"@type\": \"Question\", \"name\": \"How do I report a claim with Assur360?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Call your insurer first to open the claim (number on your policy). Then, our team will assist you with any questions or to assert your rights. Also see our <a href=\\\"\/urgence-sinistre\/\\\">emergency claims guide.\"}}, {\"@type\": \"Question\", \"name\": \"What are the recommended home insurance coverages in 2026?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Liability $2M minimum, replacement cost for the residence, water damage endorsement, identity theft endorsement, earthquake insurance if you are in a risk zone. A broker assesses your actual exposure.\"}}, {\"@type\": \"Question\", \"name\": \"Is Promutuel more expensive than Intact or Desjardins in 2026?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"It depends on your profile. For a rural driver aged 35-55 with a home in the region and a clean record, Promutuel is often competitive. For a young urban driver or a condo in Montreal, Intact, Belair, or Desjardins are frequently cheaper.\"}}, {\"@type\": \"Question\", \"name\": \"What is a Promutuel rebate and do we always get one?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"As a mutual, Promutuel can pay an annual rebate (a dividend) to its members when financial results allow. This is not guaranteed and varies from year to year \u2014 often from 2% to 5% of the premium.\"}}, {\"@type\": \"Question\", \"name\": \"Can I keep Promutuel for my home and switch for auto?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, it is possible. However, be careful: you lose the Promutuel multi-product discount (usually 10-15%). Your Assur360 broker will do the complete calculation to check if the savings on auto exceed the loss of the combined discount.\"}}]}<!-- wpml:html_fragment <\/a><\/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>Chamber of Insurance<\/strong> 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;\">Promutuel or another insurer \u2014 find your best price<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">30+ companies compared in 3 minutes. AMF broker, 100% free service. <\/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\": \"Home\", \"item\": \"https:\/\/www.assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Insurers\", \"item\": \"https:\/\/www.assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Promutuel\", \"item\": \"https:\/\/www.assur360.ca\/promutuel-assurance\/\"}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Are you thinking of Promutuel Insurance for your car, home or business? 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