{"id":20166,"date":"2020-03-25T22:56:37","date_gmt":"2020-03-26T02:56:37","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/saving-on-home-and-car-insurance-2\/"},"modified":"2026-04-05T15:40:04","modified_gmt":"2026-04-05T19:40:04","slug":"saving-on-home-and-car-insurance-2","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/saving-on-home-and-car-insurance-2\/","title":{"rendered":"Saving on home and car insurance?"},"content":{"rendered":"\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"@id\": \"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/comment-economiser-sur-le-cout-de-votre-police-dassurance-habitation-et-automobile\/#article\", \"headline\": \"\u00c9conomiser sur l\u2019assurance habitation et auto ?\", \"url\": \"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/comment-economiser-sur-le-cout-de-votre-police-dassurance-habitation-et-automobile\/\", \"datePublished\": \"2020-03-25T22:56:37\", \"dateModified\": \"2026-04-01T13:16:48\", \"author\": {\"@type\": \"Person\", \"name\": \"Jean Boissonneault\", \"url\": \"https:\/\/www.assur360.ca\/blog\/author\/admin\/\", \"description\": \"Jean Boissonneault, courtier d'assurance associ\u00e9 certifi\u00e9 AMF (n\u00ba 2000037336), est propri\u00e9taire d'Assur360 depuis plus de 30 ans.\", \"hasCredential\": {\"@type\": \"EducationalOccupationalCredential\", \"credentialCategory\": \"Permis de cabinet en assurance de dommages (n\u00ba 2000037336)\", \"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\"}}, \"inLanguage\": \"fr-CA\", \"description\": \"Decouvrez 8 strategies concretes pour reduire votre prime d'assurance habitation et auto au Quebec : regroupement, franchise, antivol, telematique. Economisez jusqu'a 600 $\/an.\"}\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;\">AUTOMOTIVE<\/p>\n      <p style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 12px;line-height:1.25;font-family:inherit;\">Car quote in 3 minutes<\/p>\n      <p style=\"color:#94a3b8;font-size:16px;line-height:1.6;margin:0 0 22px;\">AMF Brokers. Best car prices in Quebec compared for you. <\/p>\n      <div style=\"display:flex;gap:10px;flex-wrap:wrap;\">\n        <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;\">Get started<\/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\/2026\/03\/orso-le-courtier-assurance-auto.png\" alt=\"Orso, Assur360 car insurance broker\" 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:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 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\/home-insurance-in-quebec-2\/saving-on-home-and-car-insurance-2\/#How-to-save-on-your-home-and-car-insurance-in-Quebec\" >How to save on your home and car insurance in Quebec?<\/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\/home-insurance-in-quebec-2\/saving-on-home-and-car-insurance-2\/#Factors-that-influence-your-insurance-premium\" >Factors that influence your insurance premium<\/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\/home-insurance-in-quebec-2\/saving-on-home-and-car-insurance-2\/#8-Strategies-to-Reduce-Your-Insurance-Premium-Right-Now\" >8 Strategies to Reduce Your Insurance Premium Right Now<\/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\/home-insurance-in-quebec-2\/saving-on-home-and-car-insurance-2\/#Frequently-asked-questions-%E2%80%94-Saving-on-your-insurance-in-Quebec\" >Frequently asked questions \u2014 Saving on your insurance in Quebec<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-save-on-your-home-and-car-insurance-in-Quebec\"><\/span>How to save on your home and car insurance in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">In Quebec, the average annual premium for <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\">homeowner&#8217;s home insurance<\/a> is between $1,200 and $2,500, and <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\">that of car insurance<\/a> between $800 and $2,000 depending on the profile and region. Together, these two policies are often worth $2,000 to $4,500 per year. However, there are several strategies that can significantly reduce these costs without sacrificing coverage. Combining the two policies with the same insurer can generate a discount of 10% to 20%. Increasing your deductible from $500 to $1,000 can reduce the premium by 8% to 15%. Installing a certified alarm system can save 5% to 10%. This guide presents 8 concrete strategies, validated by Assur360 brokers, to optimize your coverage and pay less on your next renewal.      <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Factors-that-influence-your-insurance-premium\"><\/span>Factors that influence your insurance premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The amount of your insurance premium is not set arbitrarily. Insurers evaluate a set of criteria specific to your profile and situation to calculate the risk they agree to cover. Understanding these factors allows you to act strategically to reduce your premium. To learn more about what constitutes good protection, check out our <a href=\"https:\/\/www.assur360.ca\/en\/2026-home-insurance-guide-in-quebec\/\">complete guide to home insurance 2026<\/a>.   <\/p>\n\n<h3 class=\"wp-block-heading\">For home insurance<\/h3>\n\n<ul class=\"wp-block-list\"><li>Place of residence (flood zone, crime rate, proximity to a fire station)<\/li><li>Age and type of construction of the building<\/li><li>Roof type and year of replacement<\/li><li>Plumbing (copper vs. plastic)<\/li><li>Heating system (electric vs. oil)<\/li><li>Claims history<\/li><li>Credit report<\/li><li>Value of the assets to be insured<\/li><li>Presence of a pool or spa<\/li><li>Type of occupancy (owner vs. tenant)<\/li><\/ul>\n\n<h3 class=\"wp-block-heading\">For car insurance<\/h3>\n\n<ul class=\"wp-block-list\"><li>Age and gender of the main driver<\/li><li>Type, year and value of the vehicle<\/li><li>Place of residence and parking<\/li><li>Reported annual mileage<\/li><li>Vehicle use (work vs. pleasure)<\/li><li>Driving record (tickets, accidents)<\/li><li>Claims history<\/li><li>Credit report<\/li><li>Presence of an approved anti-theft system<\/li><\/ul>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8-Strategies-to-Reduce-Your-Insurance-Premium-Right-Now\"><\/span>8 Strategies to Reduce Your Insurance Premium Right Now<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<h3 class=\"wp-block-heading\">1. Combine your home and car with the same insurer<\/h3>\n\n<p class=\"wp-block-paragraph\">This is the most effective strategy. Insuring your home and car with the same insurer usually generates a 10% to 20% discount on each premium. On an annual budget of $3,000, this represents a potential savings of $300 to $600. Ask your <a href=\"\/comparateur-assurance-auto-quebec\/\">broker to compare the combined offers<\/a> of several insurers simultaneously to find the most advantageous combination for your profile.   <\/p>\n\n<h3 class=\"wp-block-heading\">2. Shop with an independent broker every year<\/h3>\n\n<p class=\"wp-block-paragraph\">Insurance rates vary considerably from one insurer to another for an identical profile. A <a href=\"https:\/\/www.chad.ca\/fr\/trouver-un-professionnel\" rel=\"nofollow noopener\" target=\"_blank\">Certified Property and Casualty Insurance Broker (CDIP)<\/a> compares multiple insurers at the same time and presents you with the best deals \u2014 for free. It&#8217;s a good idea to shop around at each renewal, even if you&#8217;re happy with your current insurer. Simply asking for a counteroffer to your renewal can be enough to get a significant reduction in your premium.   <\/p>\n\n<h3 class=\"wp-block-heading\">3. Increase your deductible<\/h3>\n\n<p class=\"wp-block-paragraph\">The deductible is the amount you pay yourself in the event of a claim. Going from a $500 deductible to $1,000 can reduce your annual premium by 8% to 15%. Before increasing your deductible, make sure you have this amount easily accessible in case you need it. This strategy is especially beneficial if you have a history of few claims and a stable financial situation.   <\/p>\n\n<h3 class=\"wp-block-heading\">4. Install certified security systems<\/h3>\n\n<p class=\"wp-block-paragraph\">A certified alarm system (fire, intrusion) connected to a central monitoring station can reduce your home premium by 5% to 15%. For car insurance, an approved anti-theft device can generate a similar discount. Some insurers recognize safe telematics driving programs (e.g., Intact myDriving) that can reduce the car premium by up to 25% for safe drivers.  <\/p>\n\n<h3 class=\"wp-block-heading\">5. Report the actual use of your vehicle<\/h3>\n\n<p class=\"wp-block-paragraph\">If your vehicle is not used for work (commuting) or if you drive less than 15,000 km per year, inform your insurer. The annual mileage declared has a direct influence on the premium. Some insurers offer usage-based pricing (UBI) programs via telematics, allowing safe drivers to save up to 30% on their car premium. Check out our <a href=\"https:\/\/www.assur360.ca\/en\/2026-car-insurance-guide-in-quebec-everything-you-need-to-know\/\">2026 car insurance guide<\/a> to learn more.   <\/p>\n\n<h3 class=\"wp-block-heading\">6. Take advantage of group rates and special programs<\/h3>\n\n<p class=\"wp-block-paragraph\">Many professional orders, unions, student associations and employer groups have entered into agreements with insurers offering preferential rates to their members. Check with your employer, union or professional association. Some professions (nurses, engineers, civil servants) benefit from special rates with several Quebec insurers.  <\/p>\n\n<h3 class=\"wp-block-heading\">7. Optimize your benefits according to your real needs<\/h3>\n\n<p class=\"wp-block-paragraph\">Not all the guarantees of an insurance policy are necessarily useful to your situation. For example, if your vehicle is more than 10 years old and has a low market value, the collision may no longer be worth the additional premium. In housing, adjust the covered value to the real value of your property. The <a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurances\/assurance-de-dommages\" rel=\"nofollow noopener\" target=\"_blank\">Autorit\u00e9 des march\u00e9s financiers (AMF)<\/a> offers free guides to help you understand your options.   <\/p>\n\n<h3 class=\"wp-block-heading\">8. Maintain a good driving and claims record<\/h3>\n\n<p class=\"wp-block-paragraph\">Your claims history and driving record (tickets, accidents) directly influence the calculation of your premium. Avoid small claims for amounts close to your deductible: the long-term cost (premium increase for 3 to 6 years) often exceeds the reimbursement obtained. Maintain a clean driving record to access the best rates available on the market.  <\/p>\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" width=\"1766\" height=\"400\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2020\/03\/courtier-automobile.png\" alt=\"Home and Auto Insurance Broker in Quebec &#x2014; Assur360\" class=\"wp-image-9374\"  sizes=\"(max-width: 1766px) 100vw, 1766px\" \/><\/figure>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-Saving-on-your-insurance-in-Quebec\"><\/span>Frequently asked questions \u2014 Saving on your insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How much does home insurance cost in Quebec in 2026?<\/summary>\n<p class=\"wp-block-paragraph\">Between $1,200 and $2,500 per year for a homeowner, depending on the value of the building, the region, the type of construction and the coverage chosen. Renters typically pay less, between $200 and $600 per year. Get a free quote from an Assur360 broker to find out the exact rate according to your profile.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How much does car insurance cost in Quebec in 2026?<\/summary>\n<p class=\"wp-block-paragraph\">Between $800 and $2,000 per year depending on the driver&#8217;s profile, the type of vehicle and the region. Young drivers and residents of large cities like Montreal and Laval typically pay higher premiums. The SAAQ part (public plan) is automatically included in the registration and covers bodily injury.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>When is the best time to shop for insurance?<\/summary>\n<p class=\"wp-block-paragraph\">30 to 60 days prior to your policy renewal date. This is the perfect time to compare without pressure and potentially change insurers without cancellation fees. Your broker can initiate comparisons well in advance to present you with the best options available.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Is combining car and home insurance always beneficial?<\/summary>\n<p class=\"wp-block-paragraph\">In the vast majority of cases, yes. The bundling discount (10% to 20%) is one of the most significant savings available. However, it can happen that an insurer is particularly competitive for one of the products but not the other. Your broker can assess whether the consolidation is optimal or whether two different insurers would be more beneficial.   <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What coverage is included in standard home insurance?<\/summary>\n<p class=\"wp-block-paragraph\">A standard home insurance policy typically covers: fire and related risks, theft and vandalism, water damage (e.g., burst pipes), liability (if someone gets hurt in your home), and living expenses if your home becomes uninhabitable. Sewer backup and earthquakes are usually additional options. <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Is it mandatory to have home insurance in Quebec?<\/summary>\n<p class=\"wp-block-paragraph\">No, there is no legal obligation to insure your home in Quebec. However, if you have a mortgage, your lender will contractually require it. For tenants, insurance is not mandatory but strongly recommended for civil liability and the protection of your personal belongings. The <a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurances\/assurance-de-dommages\" rel=\"nofollow noopener\" target=\"_blank\">AMF<\/a> offers a free guide for consumers.   <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How can a broker help me save on my insurance?<\/summary>\n<p class=\"wp-block-paragraph\">An independent broker compares offers from multiple insurers simultaneously and identifies the discounts available for your profile. Unlike an agent tied to a single insurer, the broker works in your best interest. Its services are completely free of charge for the insured \u2014 he is paid by the insurers via commissions. He also accompanies you during complaints. To find a certified broker, visit <a href=\"https:\/\/www.chad.ca\/fr\/trouver-un-professionnel\" rel=\"nofollow noopener\" target=\"_blank\">the CHAD directory<\/a>.    <\/p>\n<\/details>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.assur360.ca\/en\/fast-online-car-quote\/\">Compare my home insurance<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/comparateur-assurance-auto-quebec\/\">Compare my car insurance<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>How to save on your home and car insurance in Quebec? In Quebec, the average annual premium for homeowner&#8217;s home insurance is [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14473,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"8 Ways to Save on Your Home and Auto Insurance in Quebec | Assur360","_seopress_titles_desc":"Discover 8 concrete strategies to reduce your home and auto insurance premium in Quebec: bundling, deductible, anti-theft, telematics, 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