{"id":16047,"date":"2017-04-13T11:10:47","date_gmt":"2017-04-13T15:10:47","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/non-categorise\/what-change-should-i-make-to-car-insurance\/"},"modified":"2026-06-26T00:18:41","modified_gmt":"2026-06-26T04:18:41","slug":"what-change-should-i-make-to-car-insurance","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/quote-online-comparator\/what-change-should-i-make-to-car-insurance\/","title":{"rendered":"What change should I make to car insurance?"},"content":{"rendered":"\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"@id\": \"https:\/\/www.assur360.ca\/blog\/soumission\/changement-faire-en-assurance-auto\/#article\", \"headline\": \"What changes to make in auto insurance?\", \"url\": \"https:\/\/www.assur360.ca\/blog\/soumission\/changement-faire-en-assurance-auto\/\", \"datePublished\": \"2017-04-13T11:10:47\", \"dateModified\": \"2026-03-27T12:23:08\", \"author\": {\"@type\": \"Person\", \"name\": \"Jean Boissonneault\", \"url\": \"https:\/\/www.assur360.ca\/blog\/author\/admin\/\", \"description\": \"Jean Boissonneault is a property and casualty insurance broker with over 30 years of experience in Quebec and owner of Assur360.\", \"hasCredential\": {\"@type\": \"EducationalOccupationalCredential\", \"credentialCategory\": \"Property and Casualty Insurance Firm License\", \"recognizedBy\": {\"@type\": \"Organization\", \"name\": \"Autorit\u00e9 des march\u00e9s financiers\", \"url\": \"https:\/\/lautorite.qc.ca\"}}}, \"publisher\": {\"@type\": \"Organization\", \"name\": \"Assur360\", \"url\": \"https:\/\/www.assur360.ca\", \"logo\": {\"@type\": \"ImageObject\", \"url\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\", \"width\": 200, \"height\": 60}}, \"inLanguage\": \"fr-CA\", \"isPartOf\": {\"@type\": \"WebSite\", \"url\": \"https:\/\/www.assur360.ca\", \"name\": \"Assur360\"}, \"description\": \"Here is finally the list of the main changes in your life that affect auto insurance in Quebec. Contact your insurance broker for more info.\"}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px 36px;margin:32px auto;box-shadow:0 10px 30px rgba(13,31,45,0.18);max-width:100%;\">\n  <div style=\"display:flex;gap:32px;align-items:center;justify-content:center;flex-wrap:wrap;\">\n    <div style=\"flex:1 1 380px;min-width:280px;text-align:left;\">\n      <p style=\"color:#10c4c7;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:3px;margin:0 0 10px;\">AUTOMOBILE<\/p>\n      <p style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 12px;line-height:1.25;font-family:inherit;\">Soumission auto en ligne<\/p>\n      <p style=\"color:#94a3b8;font-size:16px;line-height:1.6;margin:0 0 22px;\">Tarifs 2026 chez 30+ assureurs. \u00c9conomies jusqu&#8217;\u00e0 30 % en 3 minutes.<\/p>\n      <div style=\"display:flex;gap:10px;flex-wrap:wrap;\">\n        <a href=\"\/?page_id=16391\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;\">D\u00e9buter<\/a>\n        <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;border:2px solid #ffffff;\">\ud83d\udcde 1-866-357-4451<\/a>\n      <\/div>\n    <\/div>\n    <div style=\"flex:0 0 240px;text-align:center;\"><img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2025\/02\/courtier-comparateur-assurance-auto-au-quebec.png\" alt=\"Orso, comparateur d'assurance auto au Qu\u00e9bec\" style=\"max-width:240px;width:100%;height:auto;display:block;margin:0 auto;filter:drop-shadow(0 6px 16px rgba(16,196,199,0.3));\" loading=\"lazy\" \/><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"height:22px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:39px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/blog\/quote-online-comparator\/what-change-should-i-make-to-car-insurance\/#CHANGING-CAR-INSURANCE-AND-SEASON\" >CHANGING CAR INSURANCE AND SEASON<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/blog\/quote-online-comparator\/what-change-should-i-make-to-car-insurance\/#Informing-your-auto-insurer-could-have-benefits\" >Informing your auto insurer could have benefits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/blog\/quote-online-comparator\/what-change-should-i-make-to-car-insurance\/#Shop-for-better-insurance\" >Shop for better insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/blog\/quote-online-comparator\/what-change-should-i-make-to-car-insurance\/#Frequently-asked-questions\" >Frequently asked questions<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"CHANGING-CAR-INSURANCE-AND-SEASON\"><\/span>CHANGING CAR INSURANCE AND SEASON<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<h3 class=\"wp-block-heading\">Have you checked to see if your car insurance is the most advantageous on the market?<\/h3>\n\n<p class=\"wp-block-paragraph\">A change of season is the best time to check if you are still paying the best rate for your car insurance. Take advantage of the arrival of spring to see if you can save on your car insurance. <\/p>\n\n<p class=\"wp-block-paragraph\">You know a lot can happen in a season. During the changing seasons, <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-in-quebec\/\">car insurance premiums<\/a> can also change and more significantly than you might think. During a season, several events can have an impact on the price of your car insurance:  <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Maturity;<\/strong> The best time to check if you can pay less is when your car insurance comes to an end.<\/li>\n\n\n\n<li><strong>Moving;<\/strong> Where you live has an impact on the cost of premiums, <a href=\"https:\/\/www.assur360.ca\/en\/insurance-frequently-asked-questions\/\" title=\"Moving Insurance\">so moving is<\/a> the perfect opportunity to compare the proposals of several insurers.<\/li>\n\n\n\n<li><strong>New car;<\/strong> Whether new or used, the vehicle we drive has an impact on car insurance premiums. Models that cost more to repair or are susceptible to theft are more expensive to insure. We need to think about car insurance before shopping for a new car.  <\/li>\n\n\n\n<li><strong>Marriage;<\/strong> It is likely that the insurer that offered the best price for individual insurance will no longer be able to offer the best rate for car insurance for a couple. We must therefore check all the insurers&#8217; offers to benefit from the best price. <\/li>\n\n\n\n<li><strong>Retirement or change of job;<\/strong> When we change our travel habits, so can our insurance. Where we go and how much time we spend on the road have an effect on our car insurance. <\/li>\n\n\n\n<li><strong><a href=\"https:\/\/bac-quebec.qc.ca\/\" target=\"_blank\" rel=\"noopener nofollow\" title=\"\">Fault or contravention accident<\/a> ;<\/strong> Both of these situations overwhelm even the best drivers. It is certain that the price will increase accordingly, but you should not be discouraged because some insurers are more understanding than others with drivers who have a driving record that includes a few mistakes. <\/li>\n\n\n\n<li><strong>New driver in the family;<\/strong> Be aware that some insurers are more lenient than others with new drivers. It is worth checking which insurer can offer us the best insurance offer. <\/li>\n<\/ul>\n\n<figure class=\"wp-block-image alignright\"><a href=\"\/\"><img decoding=\"async\" width=\"960\" height=\"443\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/www.assur360.ca\/wp-content\/uploads\/2017\/04\/changement-assurance-auto.jpg\" alt=\"Automotive\" class=\"wp-image-2851\"  sizes=\"(max-width: 960px) 100vw, 960px\" \/><\/a><\/figure>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Informing-your-auto-insurer-could-have-benefits\"><\/span>Informing your auto insurer could have benefits<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Insurers, including <a href=\"https:\/\/www.assur360.ca\/en\/intact-insurance-broker-2\/\">Intact<\/a> , calculate premiums based on a number of different factors, including the make, model and year of the vehicle you drive.<\/p>\n\n<p class=\"wp-block-paragraph\">Additionally, <a title=\"Insurance Company\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/insurance-company-3\/\" target=\"_blank\" rel=\"noopener\">insurance companies<\/a> consider a lot of details when determining premiums for different cars, including:<\/p>\n\n<ol class=\"wp-block-list\">\n<li>Claims history with this vehicle<\/li>\n\n\n\n<li>Average repair costs<\/li>\n\n\n\n<li><a href=\"https:\/\/ised-isde.canada.ca\/site\/industrie-canadienne-automobile\/fr\" target=\"_blank\" rel=\"noopener nofollow\" title=\"\">Security Clearances<\/a><\/li>\n\n\n\n<li>Theft Rate<\/li>\n\n\n\n<li>Power<\/li>\n<\/ol>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Shop-for-better-insurance\"><\/span>Shop for better insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Now that the change of season is official, it&#8217;s time to check if it would be advantageous to change insurers as well to allow you to pay less!<\/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 id=\"combien-coute-une-assurance-auto-au-quebec-en-2026\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>How much does car insurance cost in Quebec in 2026?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">The average cost of car insurance in Quebec is between $600 and $2,000 per year. The price depends on your age, driving experience, type of vehicle, location and coverage chosen. <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-quote-7-2\/\">Get your free quote<\/a> in minutes. <\/p>\n<\/details>\n\n<details id=\"quelles-sont-les-protections-dassurance-auto-recommandees-au\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>What are the recommended car insurance coverages in Quebec?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">In addition to the mandatory civil liability, it is recommended to add collision, comprehensive perils (theft, vandalism, bad weather), replacement cost (recent vehicle), roadside assistance and the FAQ 43a endorsement for uninsured damage.<\/p>\n<\/details>\n\n<details id=\"comment-reduire-le-cout-de-son-assurance-auto-au-quebec\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>How to reduce the cost of your car insurance in Quebec?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">To pay less: compare at least 3 quotes, bundle car + home, increase the deductible, maintain a good driving record, and ask for available discounts (lock, winter tires, low mileage). An <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/my-insurance-broker-2\/\">insurance broker<\/a> can trade for you. <\/p>\n<\/details>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How much does car insurance cost in Quebec in 2026?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"The average cost of car insurance in Quebec is between $600 and $2,000 per year. The price depends on your age, driving experience, type of vehicle, location and coverage chosen. 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An insurance broker can negotiate for you.\"\n      }\n    }\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>CHANGING CAR INSURANCE AND SEASON Have you checked to see if your car insurance is the most advantageous on the market? A [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14250,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"What Changes to Make to Your Car Insurance | Assur360","_seopress_titles_desc":"Finally, here is the list of the main changes in your life that affect car insurance in Quebec. Contact your insurance broker for more information. 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