CAR INSURANCE

The best auto insurance is the one that provides the right coverage to meet your needs. It’s important to ask the right questions before choosing your insurance coverage: how old is your vehicle, do you use it, do you regularly travel outside Quebec, etc.

Some coverages are included with your auto insurance policy and you can upgrade them as needed. For example, civil liability –if you regularly travel outside Quebec, 2 million dollars of civil liability coverage is recommended.

There are also other coverages that can be added as options, such as coverage in case of lost or stolen keys, roadside assistance, replacement cost coverage, etc.

Don’t be afraid to ask your agent any questions you have to make sure you understand the coverages available so that you can get the best auto insurance policy for you.

When you renew your insurance, make sure the coverage you have still meets your needs. If there have been some changes in your life, for example, if you are driving fewer kilometres per year, it’s important to let your insurance company know. These changes could lead to savings.

If you want to shop for new auto insurance, you should compare various insurance companies. You’ll have to be careful, because the insurance company that offers the best price may not necessarily be the one with the best coverage. It’s important to take the time to compare the different coverages they offer. Don’t hesitate to ask your insurance agent any questions you might have.

If you want to get a quote quickly, an online quote is a great option. You can also contact different insurance companies directly by phone. An insurance agent will take the time to answer your questions. Don’t hesitate to contact us at 1-866-650-4689 to get a quote.

Check out our quick reference to get ready for your auto insurance quote.

Auto insurance premiums are customized for each person insured. They’re determined based on each insurance company’s underwriting, which is based on the vehicle to be insured and the driver’s profile.

Other factors can also have an impact on the insurance premium such as the make, model and year of the vehicle you drive, whether it’s a new or used vehicle, whether it’s owned or leased, repair costs, etc.

Your insurance company will also take into consideration how you use the vehicle, your annual mileage, your driving record, where you live, past claims, etc., to determine your insurance premium.

Finally, the coverage you choose will also affect the cost. The deductible amount, added replacement cost coverage, civil liability amount and any other additional coverages you add will have an impact on the cost of your auto insurance.

There are many reasons why you might want to cancel your auto insurance policy. For example, maybe you’re moving out of the country where you will use a vehicle provided for your work. Before cancelling your policy, it’s a good idea to talk to your insurance company. They may be able to advise you and offer you different options.

However, if you are certain that cancelling your policy is your only option, you can do so by email, by letter or by contacting your insurer directly by phone.

Depending on the number of months remaining on your policy, be aware that a cancellation fee may apply.

A Joint Report is an essential document to have in the glove compartment of your vehicle.

In Quebec, this document can be used when there is a fender-bender between two vehicles and no damage is caused to any third parties.

The information contained in the joint report will be very useful when you contact your insurer to make your claim. In addition, it will help establish the responsibility of each motorist in the accident. It is therefore important to accurately identify the people involved in the accident.

Want to get a Joint Report to have on hand? You can order one at infoinsurance.ca. You can also print a copy or download the app directly from the Groupement des assureurs automobiles du Québec website.

If you are the victim of an accident with injuries or damage to third parties, an accident outside of Quebec or a criminal act (theft, vandalism, etc.), it is important to contact the police as soon as possible so that a report can be written. In these situations, a Joint Report is not enough and a police report must be provided.

Auto insurance is mandatory in Quebec if you own a vehicle such as a car, motorcycle or truck, or if you lease a vehicle.

When you get your auto insurance quote, your agent will tell you about the two parts to auto insurance: civil liability and damage to your vehicle. This is also what is meant by insuring your vehicle “one way” or “two ways”.

Civil liability is mandatory in Quebec as it provides protection if you cause damage to another vehicle or to another person’s property, or if someone is injured or dies in the accident.

On the other hand, it is not mandatory to insure your own vehicle against damage, but chances are your lease or financing contract will require you to carry this type of insurance.

Lastly, it is also possible to get additional types of coverage under your policy, known as “endorsements.” For example, if you travel regularly using your vehicle, you may be happy to have roadside assistance coverage. Additional coverage is not mandatory, but it will help you get auto insurance that meets all your needs.