{"id":19996,"date":"2024-01-17T13:14:00","date_gmt":"2024-01-17T18:14:00","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/why-a-car-insurance-broker-2\/"},"modified":"2026-04-17T13:24:10","modified_gmt":"2026-04-17T17:24:10","slug":"why-a-car-insurance-broker-2","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/quote-online-comparator\/why-a-car-insurance-broker-2\/","title":{"rendered":"Why a car insurance broker?"},"content":{"rendered":"\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"@id\": \"https:\/\/www.assur360.ca\/blog\/soumission\/courtier-assurance-auto\/#article\", \"headline\": \"Pourquoi un courtier assurance auto ?\", \"url\": \"https:\/\/www.assur360.ca\/blog\/soumission\/courtier-assurance-auto\/\", \"datePublished\": \"2024-01-17T13:14:00\", \"dateModified\": \"2026-03-24T00:48:04\", \"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\": \"D\u00e9couvrez pourquoi faire affaire avec un courtier en assurance auto peut vous faire \u00e9conomiser temps et argent. B\u00e9n\u00e9ficiez d'une soumission rapide !\"}\n<\/script>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\">INSURANCE AGENTS AND BROKERS<\/h2>\n\n<p>Drivers in Quebec have many options for purchasing car insurance. <a href=\"https:\/\/www.courtierweb.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Online car insurance aggregators<\/a> are websites that provide leads online. These sites are not allowed to sell insurance directly to you. They sell your information to an insurance company, agent or broker. Direct <a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/insurance-company-3\/\" target=\"_blank\" rel=\"noopener\" title=\"Insurance Company\">insurance companies<\/a> and banks offer single-choice options. They can operate from a website, a call centre, or local offices through insurance agents. So why use an insurance broker? <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/my-insurance-broker-2\/\" title=\"Insurance Broker\">Property and casualty insurance brokers<\/a> are the only licensed option that works exclusively for clients.      <\/p>\n\n<p><br \/>Although insurance agents are licensed, they are not independent. They work for a single insurance company and can only offer the products and prices offered by that company. So, if your situation changes, for example if you receive an additional speeding ticket or if you have a new claim, you may no longer be eligible with this company and the agent will not be able to help you. Think of it like a direct insurance company or a bank that wants customers who fit into a small, defined box, and their agents can&#8217;t help you if you don&#8217;t fit into that box.   <\/p>\n\n<p>An insurance broker acts as an intermediary between insurance providers and you. Their raison d&#8217;\u00eatre is to help you get the right insurance at the best price. They work for customers and are not employees of <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\" title=\"Car insurance\" target=\"_blank\" rel=\"noopener\">car<\/a> insurance companies. This in itself is reason enough to use <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/home-insurance-broker\/\" title=\"Home Insurance Broker\">home insurance brokers<\/a> for all your home insurance needs. Let&#8217;s also address other issues related to insurance brokers.    <\/p>\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2022\/01\/meilleur-courtier-assurance-de-dommages.jpg\"><img decoding=\"async\" width=\"1024\" height=\"239\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/www.assur360.ca\/wp-content\/uploads\/2022\/01\/meilleur-courtier-assurance-de-dommages-1024x239.jpg\" alt=\"Simple car insurance comparison\" class=\"wp-image-6265\" style=\"width:1600px\"  sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n<div class=\"wp-block-wpseopress-faq-block-v2 is-layout-flow wp-block-wpseopress-faq-block-v2-is-layout-flow\">\n<details id=\"pourquoi-faire-appel-a-un-courtier-dassurance\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>WHY USE AN INSURANCE BROKER?<\/summary>\n<p>Simply put, <a title=\"Insurance brokers\" href=\"https:\/\/www.assur360.ca\/en\/intact-insurance-broker-2\/\">insurance brokers<\/a> work for you, not the insurance company. They scour the market to find you the lowest car insurance premiums, without sacrificing your insurance coverage. Whether it&#8217;s better coverage or lower premiums, you&#8217;ll save money and have the coverage you need. The classic logic is that if someone can save you money, that&#8217;s reason enough. But, if you&#8217;re not convinced, there are other reasons to use insurance brokers.    <\/p>\n<\/details>\n\n\n\n<details id=\"quest-ce-quun-courtier-dassurance-de-dommages\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>WHAT IS A DAMAGE INSURANCE BROKER?<\/summary>\n<p>Insurance brokers are intermediaries who deal with many different insurance companies. Since they have access to many insurers, they can provide you with many options. These options allow you to get the best plan at the best price. Think of it as follows: depending on your age, where you live, your needs, and many other factors, each insurance company has a different way of calculating their rates. Instead of having to contact each of them, an insurance broker checks them all and offers you the best option for you.    <\/p>\n<\/details>\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"url\":\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/courtier-assurance-auto\/\",\"@id\":\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/courtier-assurance-auto\/\",\"mainEntity\":[{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/courtier-assurance-auto\/#pourquoi-faire-appel-a-un-courtier-dassurance\",\"name\":\"POURQUOI FAIRE APPEL \u00c0 UN COURTIER D'ASSURANCE ?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"&lt;p>En termes simples, &lt;a title=\\\"les courtiers d'assurance\\\" href=\\\"\/courtier-intact-assurance\/\\\">les courtiers d'assurance&lt;\/a> travaillent pour vous et non pour la compagnie d'assurance. Ils parcourent le march\u00e9 pour vous trouver les primes d'assurance auto les plus basses, sans sacrifier votre couverture d'assurance. Qu'il s'agisse d'une meilleure couverture ou de primes moins \u00e9lev\u00e9es, vous \u00e9conomiserez de l'argent et disposerez de la couverture dont vous avez besoin. La logique classique veut que si quelqu'un peut vous faire \u00e9conomiser de l'argent, c'est une raison suffisante. Mais, si vous n'\u00eates pas convaincu, il existe d'autres raisons de faire appel \u00e0 des courtiers d'assurance.&lt;\/p>\"}},{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/courtier-assurance-auto\/#quest-ce-quun-courtier-dassurance-de-dommages\",\"name\":\"QU'EST-CE QU'UN COURTIER D'ASSURANCE DE DOMMAGES ?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"&lt;p>Les courtiers d'assurance sont des interm\u00e9diaires qui traitent avec de nombreuses compagnies d'assurance diff\u00e9rentes. Comme ils ont acc\u00e8s \u00e0 de nombreux assureurs, ils peuvent vous proposer de nombreuses options. Ces options vous permettent d'obtenir le meilleur plan au meilleur prix. Consid\u00e9rez la situation comme suit : en fonction de votre \u00e2ge, de votre lieu de r\u00e9sidence, de vos besoins et de bien d'autres facteurs, chaque compagnie d'assurance a une fa\u00e7on diff\u00e9rente de calculer ses tarifs. Au lieu de devoir contacter chacun d'eux, un courtier d'assurance les v\u00e9rifie tous et vous propose la meilleure option pour vous.&lt;\/p>\"}}]}<\/script><\/div>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p><strong>Need a quote?<\/strong> <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\">Get your car quote online<\/a> \u2014 Free, fast and without obligation with Assur360.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>INSURANCE AGENTS AND BROKERS Drivers in Quebec have many options for purchasing car insurance. Online car insurance aggregators are websites that provide [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14789,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"Why choose a car insurance broker? | Assur360","_seopress_titles_desc":"Find out why working with a car insurance broker can save you time and money. Get a quick quote! 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