{"id":19912,"date":"2024-09-23T15:32:28","date_gmt":"2024-09-23T19:32:28","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/replacement-cost-car-insurance-is-it-a-good-idea-2\/"},"modified":"2026-04-03T11:18:27","modified_gmt":"2026-04-03T15:18:27","slug":"replacement-cost-car-insurance-is-it-a-good-idea-2","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/replacement-cost-car-insurance-is-it-a-good-idea-2\/","title":{"rendered":"Replacement cost car insurance: Is it a good idea?"},"content":{"rendered":"\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"@id\": \"https:\/\/www.assur360.ca\/blog\/mes-finances\/assurance-auto-valeur-a-neuf-est-ce-vraiment-une-bonne-idee-pour-vous\/#article\", \"headline\": \"Assurance auto valeur \u00e0 neuf : Est-ce une bonne id\u00e9e ?\", \"url\": \"https:\/\/www.assur360.ca\/blog\/mes-finances\/assurance-auto-valeur-a-neuf-est-ce-vraiment-une-bonne-idee-pour-vous\/\", \"datePublished\": \"2024-09-23T15:32:28\", \"dateModified\": \"2026-03-27T12:17:42\", \"author\": {\"@type\": \"Person\", \"name\": \"Jean Boissonneault\", \"url\": \"https:\/\/www.assur360.ca\/blog\/author\/admin\/\", \"description\": \"Jean Boissonneault est courtier d'assurance de dommages associ\u00e9 depuis plus de 30 ans au Qu\u00e9bec et propri\u00e9taire d'Assur360.\", \"hasCredential\": {\"@type\": \"EducationalOccupationalCredential\", \"credentialCategory\": \"Permis de cabinet en assurance de dommages\", \"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\": \"\u00c9vitez la d\u00e9pr\u00e9ciation rapide de votre voiture neuve en optant pour l'assurance \u00ab valeur \u00e0 neuf \u00bb. Prot\u00e9gez votre investissement en cas de perte totale.\"}\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:45px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 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\/my-finances-2\/replacement-cost-car-insurance-is-it-a-good-idea-2\/#Replacement-cost\" >Replacement cost<\/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\/my-finances-2\/replacement-cost-car-insurance-is-it-a-good-idea-2\/#Why-is-car-depreciation-a-problem\" >Why is car depreciation a problem?<\/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\/my-finances-2\/replacement-cost-car-insurance-is-it-a-good-idea-2\/#How-does-the-%E2%80%9Creplacement-cost%E2%80%9D-guarantee-work\" >How does the \u201creplacement cost\u201d guarantee work?<\/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\/my-finances-2\/replacement-cost-car-insurance-is-it-a-good-idea-2\/#Who-is-this-coverage-for\" >Who is this coverage for?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/replacement-cost-car-insurance-is-it-a-good-idea-2\/#Advantages-and-disadvantages-of-the-%E2%80%9Creplacement-cost%E2%80%9D-guarantee\" >Advantages and disadvantages of the \u201creplacement cost\u201d guarantee<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/replacement-cost-car-insurance-is-it-a-good-idea-2\/#How-to-choose-the-right-coverage\" >How to choose the right coverage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/replacement-cost-car-insurance-is-it-a-good-idea-2\/#Real-life-examples\" >Real-life examples<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/replacement-cost-car-insurance-is-it-a-good-idea-2\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/replacement-cost-car-insurance-is-it-a-good-idea-2\/#Frequently-asked-questions\" >Frequently asked questions<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Replacement-cost\"><\/span>Replacement cost<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Replacement cost car insurance is a topic that is sometimes overlooked but extremely relevant to vehicle owners, especially when it comes to protecting their investment. Imagine the scene: you leave the dealership with a brand new car, proud of your acquisition. But then, a few months later, an accident occurs and your beautiful car is declared a total loss. The bad news? Without the replacement cost option, your insurer will reimburse you for the <a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/cime-replacement-insurance-2\/\">current value of the vehicle<\/a>, depreciated by time and wear and tear, rather than the price you originally paid.    <\/p>\n\n<p>This nightmare situation can be avoided with a specific cover: the \u201creplacement cost\u201d guarantee. In this article, we&#8217;ll dive into what this option means, why it&#8217;s important, and how it works to give you peace of mind. <\/p>\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/09\/valeur-a-neuf.png\"><img decoding=\"async\" width=\"1766\" height=\"400\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/www.assur360.ca\/wp-content\/uploads\/2024\/09\/valeur-a-neuf.png\" alt=\"Replacement cost\" class=\"wp-image-10530\"  sizes=\"(max-width: 1766px) 100vw, 1766px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-is-car-depreciation-a-problem\"><\/span>Why is car depreciation a problem?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>To understand the value of replacement cost coverage, you must first understand how quickly the value of a car drops. According to studies, a new car loses between 20% and 30% of its value in the first year of purchase, and this depreciation continues at a steady pace in the years that follow. On average, a car loses about 50% of its value after three years. This means that in the event of a claim, if you don&#8217;t have the replacement cost guarantee, your refund will not reflect the original purchase price, but rather the current market value, which can be much lower.   <\/p>\n\n<p><em>Let&#8217;s take an example<\/em> : you buy a car for $40,000. Three years later, an accident occurs, and your car is declared a total loss. Without the replacement cost option, <a href=\"https:\/\/www.assur360.ca\/en\/insurer-2\/car-insurer\/\">the insurer<\/a> can estimate the value of the car at around $20,000. On the other hand, with this option, you will receive the full amount of $40,000 you paid initially. A significant difference, isn&#8217;t it?    <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-does-the-%E2%80%9Creplacement-cost%E2%80%9D-guarantee-work\"><\/span>How does the \u201creplacement cost\u201d guarantee work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>The \u201creplacement cost\u201d guarantee therefore allows policyholders to obtain a reimbursement equal to the purchase price of their vehicle in the event of a total loss, without taking into account the depreciation. This is <a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/are-you-looking-for-car-insurance-for-laval\/\">an ideal solution for<\/a> those who do not want to suffer the financial effects of the depreciation of their vehicle, especially during the first few years after purchase. <\/p>\n\n<p>This option is especially popular for <a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/car-4\/tips-to-save-on-your-car-insurance-2\/\">new cars<\/a>, but can also apply to newer used vehicles, as long as the insurer allows it. It is often available for a set period of time, usually two to five years after the vehicle is purchased, although some insurance companies offer longer terms under certain conditions. <\/p>\n\n<p>To subscribe to this option, simply add it to your existing insurance policy. The premium will obviously be higher than standard <a href=\"https:\/\/www.assur360.ca\/en\/non-standard-home-insurance-2\/\">insurance<\/a>, but the profits in the event of a claim can more than offset this additional cost. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who-is-this-coverage-for\"><\/span>Who is this coverage for?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Replacement cost insurance isn&#8217;t necessary for everyone, but it&#8217;s especially useful in certain situations. Here are some profiles for which this option is highly recommended: <\/p>\n\n<p>1. <strong>New car owners<\/strong> : As mentioned above, the rapid depreciation of new cars makes this option an ideal coverage for those who have just bought a new or near-new car.<\/p>\n\n<p>2. <strong>Luxury car owners<\/strong> : <a href=\"\/blog\/623\">Luxury vehicles<\/a> also lose value quickly, but usually cost much more to replace. Replacement cost insurance helps protect this important investment. <\/p>\n\n<p>3. <strong>People who financed their vehicle<\/strong> : If you took out a loan to buy your car, the replacement cost guarantee can be crucial to prevent you from having to continue to repay a loan on a car you no longer own after an accident.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Advantages-and-disadvantages-of-the-%E2%80%9Creplacement-cost%E2%80%9D-guarantee\"><\/span>Advantages and disadvantages of the \u201creplacement cost\u201d guarantee<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Like any insurance coverage, the replacement cost option has its advantages and disadvantages. Here&#8217;s an overview to help you make an informed decision. <\/p>\n\n<p><strong>Benefits:<\/strong><\/p>\n\n<p>&#8211; <strong>Peace of mind<\/strong> : You know that no matter what happens to your car, you&#8217;ll get enough money back to buy a new one of the same model and quality.<br \/>&#8211; <strong>Depreciation protection<\/strong> : The value of cars drops quickly, but this guarantee makes up for this disadvantage by allowing you to get the full amount of your initial purchase.<br \/>&#8211; <strong>Flexibility of offers<\/strong> : Different insurance companies offer different terms of protection, so you can choose coverage that suits your needs.<\/p>\n\n<p><strong>Disadvantages:<\/strong><br \/>&#8211; <strong>Extra cost<\/strong> : Like any add-on option, replacement cost coverage comes at a cost, which means your insurance premium will be higher.<br \/>&#8211; <strong>Time limits<\/strong> : This coverage is usually only available for the first few years after you buy the car, once this period has passed, you will need to revert to standard coverage.<\/p>\n\n<h3 class=\"wp-block-heading\">How much does it cost?<\/h3>\n\n<p>The cost of replacement cost coverage varies depending on several factors: the value of the car, your driving history, the insurance company, and the duration of the coverage chosen. On average, this option adds between 5% and 20% to <a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/5-ways-to-save-on-your-car-insurance-policy\/\">your car insurance premium<\/a>. Of course, it is always advisable to <a href=\"https:\/\/soumissionassuranceauto.net\/\">compare offers<\/a> between different companies to ensure that you get the best value for money.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-choose-the-right-coverage\"><\/span>How to choose the right coverage?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>If you&#8217;re considering adding replacement cost coverage to your car insurance, here are a few things to consider before making your choice:<\/p>\n\n<p>1. <em>The age and value of your car<\/em> : If your car is new or high-value, this option may be worth it. If your car is older or has already lost a lot of value, it may be less relevant. <\/p>\n\n<p>2. <em>Your personal needs<\/em> : Think about your financial situation. In the event of a total loss, could you afford to buy a new car without this warranty? If the answer is no, replacement cost coverage may be a good idea.  <\/p>\n\n<p>3. <em>Available coverage options<\/em> : <a href=\"https:\/\/www.assur360.ca\/en\/blog\/comparator-price-in-3-minutes\/car-insurance-company\/\">Not all insurance companies<\/a> offer this option or may impose restrictions. It is therefore important to read the details of the policy carefully and ask your insurer questions. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Real-life-examples\"><\/span>Real-life examples<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>To illustrate the interest of the \u201creplacement cost\u201d guarantee, let&#8217;s take a look at some concrete scenarios:<\/p>\n\n<p>&#8211; Marc buys a new car for $30,000. A year later, his car was destroyed in an accident. Without the replacement cost guarantee, the insurance company offers a refund of $24,000 because the car has depreciated. With the option, he would have received the initial $30,000, which allows him to replace his car with a new one at no additional cost.   <\/p>\n\n<p>&#8211; Sophie finances her car at $35,000 over five years. After two years, a total disaster occurred. Her car is now worth $25,000, but she still owes $30,000 on her loan. Without the option, she would have to pay $5,000 out of pocket in addition to buying a new car. With the replacement cost guarantee, she receives the $35,000 of her initial purchase, covering both the balance of her loan and the cost of a new car.    <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>The <em>\u201creplacement cost\u201d<\/em> guarantee is a valuable option for those who want to protect their investment against the rapid depreciation of cars. It offers invaluable peace of mind, especially for owners of new vehicles or those who have financed their purchase. However, this coverage comes at a cost, and it&#8217;s important to carefully assess your needs and <a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/car-insurance-compare-our-prices\/\">budget before taking out<\/a>.  <\/p>\n\n<p>If you&#8217;re about to <a href=\"https:\/\/www.assur360.ca\/en\/blog\/price-2\/car-insurance-comparator-free-2\/\">renew your car insurance<\/a> or buy a new vehicle, take the time to talk to your insurer about the options available and compare offers. The \u201creplacement cost\u201d guarantee could well be the solution that will allow you to sleep soundly, without worrying about the hazards of the road. <\/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>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>Quelles sont les protections d&#x27;assurance auto recommand\u00e9es au Qu\u00e9bec ?<\/strong><\/summary>\n<p>In addition to the mandatory civil liability, it is recommended to add collision, complete 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>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). A <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/my-insurance-broker-2\/\">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\": \"Combien co\u00fbte une assurance auto au Qu\u00e9bec en 2026 ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Le co\u00fbt moyen d'une assurance auto au Qu\u00e9bec se situe entre 600 $ et 2 000 $ par ann\u00e9e. Le prix d\u00e9pend de votre \u00e2ge, exp\u00e9rience de conduite, type de v\u00e9hicule, emplacement et protections choisies. Obtenez votre soumission gratuite en quelques minutes.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quelles sont les protections d'assurance auto recommand\u00e9es au Qu\u00e9bec ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Outre la responsabilit\u00e9 civile obligatoire, il est recommand\u00e9 d'ajouter la collision, les risques complets (vol, vandalisme, intemp\u00e9ries), la valeur \u00e0 neuf (v\u00e9hicule r\u00e9cent), l'assistance routi\u00e8re et l'avenant FAQ 43a pour les dommages non assur\u00e9s.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Comment r\u00e9duire le co\u00fbt de son assurance auto au Qu\u00e9bec ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Pour payer moins cher : comparez au moins 3 soumissions, regroupez auto + habitation, augmentez la franchise, maintenez un bon dossier de conduite, et demandez les rabais disponibles (antivol, pneus d'hiver, faible kilom\u00e9trage). Un courtier peut n\u00e9gocier pour vous.\"\n      }\n    }\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Replacement cost Replacement cost car insurance is a topic that is sometimes overlooked but extremely relevant to vehicle owners, especially when it [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":15275,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Protect your car with the replacement cost guarantee","_seopress_titles_desc":"Avoid the rapid depreciation of your new car by opting for \"replacement cost\" insurance. Protect your investment in the event of a total loss. 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