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Finding affordable car insurance in Quebec can be a challenge for drivers. According to the Insurance Bureau of Canada, the average car insurance premium in Quebec was $717 per year in 2022, which works out to about $60 per month. With rates that high, it’s no wonder drivers are looking for ways to reduce their costs.

In this comprehensive guide, we’ll provide an in-depth look at everything you need to know about car insurance in Quebec. We’ll compare top insurers, explain how rates are calculated, provide tips on getting quotes, and much more. By the end, you’ll understand how to get the best coverage at the lowest price.

Read on to learn all about:

 

  • Public vs private car insurance in Quebec
  • Average costs and what impacts your rates
  • Getting quotes and negotiating with providers
  • Understanding your policy and coverage options
  • The claims process and how to lower your premiums
  • Alternative options beyond traditional insurance

 

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Public vs Private Car Insurance

In Quebec, car insurance operates as a hybrid model with both public and private insurance providers. The public provider is the Société de l’assurance automobile du Québec (SAAQ), which administers the province’s mandatory public auto insurance plan. This covers bodily injury claims in the event of an accident.

Under the public plan, Quebec drivers must carry a minimum of $50,000 in liability coverage for injuries and property damage. This base coverage is provided by the SAAQ and paid for through an annual premium collected during driver’s license renewals. The public plan also provides compensation for material damage to your vehicle if you are not at fault in an accident.

Private insurers like Desjardins, Intact Insurance, TD Insurance, and Belairdirect operate in Quebec to provide additional optional coverage beyond the public plan’s minimums. This includes collision and comprehensive coverage to fully protect your vehicle in case of damage or theft. Private insurers also offer higher liability limits, loss of income protection, and other add-ons not included in the basic public auto insurance.

So the SAAQ provides baseline mandatory coverage, while private insurers fill in gaps with additional protection. Working together, public and private car insurance provide complete coverage for Quebec drivers.

 

Average Cost of Car Insurance

Car insurance premiums in Quebec are among the lowest in Canada. According to the Insurance Bureau of Canada, the average annual car insurance premium in Quebec is $717, which works out to $59.75 per month.

Rates vary considerably depending on where you live in the province. Drivers in Montreal and other urban centers pay the highest average premiums, while rural areas of Quebec have the lowest rates.

In Montreal, the average annual premium is around $960, or $80 per month. This is about 35% higher than the provincial average. Montreal’s high rate of accidents, claims and auto theft drive up costs for insurers, pushing premiums higher.

On the other hand, rural regions like Saguenay-Lac-St-Jean have average premiums around $600 annually or $50 monthly. With lower population density, accident frequency is reduced, allowing insurers to charge lower premiums.

Quebec City falls in the middle with average premiums of approximately \$750 annually or \$62.50 per month. As the provincial capital, it sees higher auto claims than rural regions but remains less costly than Montreal for insurers.

 

Factors Affecting Car Insurance Costs

There are several key factors that determine how much you’ll pay for car insurance in Quebec. These include:

 

Driver’s Age and Experience

Insurers view young drivers, especially males under 25, as higher risk and will charge them more. Teen drivers can expect to pay the highest rates. However, premiums will decrease as you gain more experience and maintain a clean driving record over the years.

 

Type of Vehicle

The make, model, year, repair costs and theft rates of your vehicle will impact your premiums. Luxury cars, sports cars, and vehicles with high horsepower tend to cost more to insure because they have higher repair costs and are more appealing to thieves. Older vehicles also tend to have higher premiums due to availability of replacement parts.

 

Where the Vehicle is Parked

If your vehicle is parked in an urban area or one with higher rates of accidents, vandalism or theft, you’ll pay more compared to lower risk regions. Where you park overnight is especially important – garaged vehicles receive the lowest rates.

 

Comparison of Top Insurers

Let’s take a look at some of the major insurance providers in Quebec and what they have to offer:

 

Desjardins

As a Quebec-based cooperative financial group, Desjardins offers competitive rates and coverage options for Quebec drivers. They provide standard auto insurance coverage like liability, collision and comprehensive. Desjardins offers potential savings through discounts for bundling home and auto policies, insuring multiple vehicles on one policy, completing an accredited defensive driving course, and more.

 

Intact

Intact is one of the largest providers of property and casualty insurance in Canada. For Quebec drivers, they offer broad coverage includings liability, accident benefits, collision, comprehensive, and more. Intact provides several ways to lower your rates through multi-policy discounts by bundling home and auto insurance, multi-vehicle savings, and discounts for winter tires and certain safety features.

 

TD Insurance

As the insurance arm of the TD Bank Group, TD Insurance serves drivers across Canada including Quebec. They provide standard auto insurance coverage and give discounts for bundling home and auto insurance, insuring multiple vehicles on one policy, completing a driver training course, equipping your vehicle with select safety features, and more.

 

Belairdirect

Belairdirect provides Quebec residents with affordable coverage options and potential savings. They offer standard auto insurance coverage types. Discounts are available for bundling auto with home insurance, insuring multiple vehicles on one policy, completing an accredited defensive driving course, winter tires, certain safety features, and more.

 

Getting Quotes

Getting car insurance quotes is an essential part of finding the best coverage at the lowest price. Here are some tips on getting quotes for car insurance in Quebec:

 

Recommended Minimum Coverage

While Quebec law only requires $50,000 in liability coverage, most experts recommend getting at least $1 million. This provides better protection in the event of a major accident. When getting quotes, be sure to compare rates for $1 million or more in liability coverage.

 

Getting Quotes Online vs Agent

You can get quotes directly from insurance company websites or use an insurance comparison site to get multiple quotes at once. This is usually the fastest way. You can also get quotes by contacting local insurance agents, but this may take more time.

 

Negotiating Discounts

Once you have quotes, contact the insurance companies and let them know if you’ve found better rates with competitors. They may be able to provide additional discounts to get your business, so don’t be afraid to negotiate. Key discounts to ask about include bundling with home insurance, multi-vehicle, multi-policy, good driver, and any others you may qualify for.

 

Understanding Your Policy

When looking at car insurance policies in Quebec, it’s important to understand what coverage types are included as well as any exclusions or limitations. This will help ensure you have adequate protection for your specific needs.

 

Deciphering Types of Coverage

There are a few main types of coverage to understand:

 

  • Liability Coverage – This coverage protects you if you cause damage or injury to another person/vehicle. It covers both property damage and bodily injury liability. Quebec requires minimum $50,000 liability coverage.
  • Collision – Pays to repair or replace your vehicle if damaged in a collision with another vehicle or object, regardless of fault.
  • Comprehensive – Covers damage to your vehicle from non-collision-related events like theft, vandalism, fire, or natural disasters.
  • Uninsured/Underinsured Motorist – Provides coverage if you’re in an accident caused by an uninsured or underinsured driver.
  • Personal Injury Protection – Helps pay medical expenses for you and your passengers after an accident, regardless of fault.

 

Understanding Exclusions and Limitations

While the above coverages provide protection, most policies also contain exclusions where the insurer will not pay out a claim.

For example, many policies exclude coverage for regular vehicle maintenance and repairs, damage caused by wear and tear, accidents while driving under the influence, or accidents that occur while racing. There may also be monetary limitations like caps on rental car reimbursement.

Reading the full policy document carefully is key to avoiding any surprises. Having an expert explain the finer details can also provide peace of mind.

 

Claims Process

If you get into an accident or your vehicle is damaged or stolen, you’ll need to start a claim with your insurer. Here’s what to expect during the claims process:

 

When and How to File a Claim

You should notify your insurer as soon as possible after an accident or loss occurs. Many companies allow you to start a claim 24/7 by calling their claims department or filing online or via mobile app. Be prepared to provide details like the date, time, and location of the incident.

Your insurer will open a claim and assign an adjuster, who will contact you to get more details. Cooperate fully by providing documentation like photos of damage, police reports, and estimates for repairs. The more evidence you provide, the smoother the process.

 

Working with Adjusters

The adjuster is responsible for investigating your claim, determining fault and liability, and settling the claim. Adjusters have expertise in assessing vehicle damage, so work collaboratively with yours. Be patient, as they handle many claims at once.

For repairs, your insurer will recommend approved body shops. You can use your preferred shop, but the insurer will only pay the amount they estimate. Review repair estimates carefully before approving.

 

Appealing a Decision

If you disagree with your adjuster’s decision, first ask them to reconsider or provide additional evidence. If you reach an impasse, you can file a formal appeal with the insurer’s appeals department. Include documentation supporting your position.

As a last resort, contact your provincial insurance regulator to file a complaint. They may help resolve the dispute through mediation if the insurer violated regulations.

 

Discounts to Lower Premiums

One way to potentially lower your car insurance premiums in Quebec is to take advantage of available discounts. Here are some common discounts to ask about:

Safety features like airbags

Many insurance companies offer discounts if your vehicle has certain safety features like airbags, anti-lock brakes, and anti-theft systems. Having more airbags in your vehicle can sometimes significantly reduce your rates.

Bundling home and auto insurance

You may be able to save by purchasing both your home and auto insurance from the same provider. Most insurers offer a multi-policy discount of up to 15%, so bundling can be an easy way to save money.

Being claims-free

Drivers who maintain a clean driving record without accidents, tickets or claims will typically enjoy the lowest rates. Insurance companies reward safe driving histories with claim-free discounts.

 

Raising Deductibles

One way to lower your car insurance premium is by raising your deductible. A deductible is the amount you pay out-of-pocket before your insurance coverage kicks in after a claim.

In Quebec, the standard deductible is $500. But you can opt for higher deductibles like $750, $1,000 or even $2,500. The higher the deductible you choose, the lower your monthly premium will be.

However, it’s important to consider whether the premium savings are worth the financial risk you take on. Make sure you have enough savings to cover the higher deductible amount in the event you need to make a claim. Otherwise, you could end up with steep out-of-pocket costs.

Evaluate your personal finances and risk tolerance. For some drivers, especially those with substantial savings, accepting a higher deductible in exchange for lower premiums is a smart move. But for others, the standard $500 deductible is a safer choice despite the higher monthly cost.

 

Usage-Based Insurance

Usage-based insurance (UBI) is an auto insurance model that monitors driving habits and uses the data to calculate premiums. With traditional auto insurance, rates are based on factors like age, gender, driving record, vehicle type, mileage, and location. UBI offers drivers a way to potentially lower costs by having insurers monitor their actual driving behavior.

Insurers use a telematics device installed in the vehicle or a mobile app to track metrics like mileage, time of day, speed, acceleration, cornering, hard braking, and phone usage. This gives risk assessors a more complete profile to evaluate an individual’s driving habits.

Safe drivers tend to benefit most from UBI programs. By exhibiting behaviours like staying within speed limits, avoiding late-night trips, and not braking harshly, UBI policyholders can potentially earn significant discounts. However, risky driving can also result in rate increases for those monitored.

UBI is completely voluntary in Canada. Drivers uncomfortable with being monitored do not have to participate. But for those open to sharing their driving data, UBI represents an innovative way auto insurance is evolving to be more customized and personalized.

 

Alternative Options

In addition to the standard insurance policies in Quebec, there are a few alternative options to consider that may help lower your premiums:

 

Usage-Based Coverage

Usage-based coverage, also known as pay-as-you-drive or telematics insurance, is a type of auto insurance where your premiums are based on your driving habits rather than just traditional factors. Your insurance company will collect data on your driving through a telematics device installed in your vehicle or a mobile app. This allows them to more accurately price your policy based on your actual driving behaviour such as miles driven, time of day, speed, hard braking events, etc.

This type of insurance is appealing to safe drivers or those who drive fewer miles. By allowing your insurance company to monitor your driving habits, you have the potential to lower your premiums significantly compared to traditional car insurance pricing models. However, risky driving can also increase your rates over time. Usage-based insurance is offered by most major insurers in Quebec like Desjardins, TD Insurance, and Intact Insurance.

 

Membership Options

The Canadian Automobile Association, also known as CAA, offers its members exclusive discounts on car insurance in Quebec. CAA Members can save up to 20% on their auto insurance just for being a member. CAA also offers usage-based insurance to members with the potential for further discounts. Membership fees are generally low cost compared to the potential savings. Drivers should consider joining CAA if they want access to the best car insurance rates in Quebec.

 

Maintaining Coverage

Once you have purchased a car insurance policy, there are a few key things to keep in mind to maintain your coverage:

 

Notifying Insurer of Changes

You must inform your insurer promptly of any changes that could affect your policy or premiums. This includes things like moving addresses, adding drivers to your policy, changes to your car’s use (e.g. now using it for deliveries), and accidents/tickets that occur. Failure to notify your insurer in a timely manner of material changes could risk denial of a future claim.

 

Renewing on Time

Make sure to pay your renewal premiums when due and on time. Non-payment could lead to cancellation of your policy. Review any policy changes at renewal carefully.

 

Checking Statements

When you receive statements from your insurer, give them a quick review to make sure the details on your policy (such as coverages, deductibles, drivers etc.) are all accurate. Report any discrepancies right away.

 

Conclusion

Car insurance in Quebec can seem complicated with the province’s hybrid public/private system, but understanding the basics goes a long way. The SAAQ covers injury claims, while private insurers provide coverage for property damage and other protections. On average, Quebec drivers pay the lowest premiums in Canada thanks to the public system handling injury payouts. But rates still vary based on your driving record, location, vehicle, and other factors.

When shopping for coverage, get quotes from multiple insurers to find the best rate for your profile. Look for any discounts you may qualify for to lower your premium. Consider raising deductibles to decrease your monthly payment, but only if you have savings to cover the out-of-pocket costs in the event of a claim. Usage-based insurance plans can also help lower premiums for safe, low-mileage drivers. And always make sure you have the minimum liability coverage required in Quebec to protect yourself financially.

By understanding the unique car insurance landscape in the province and shopping smart, Quebec drivers can find high-quality coverage at the lowest possible cost.

Quebec Auto Insurance Questions

The government of Quebec mandates that all vehicle owners carry a minimum of $50,000 in third-party liability coverage. This ensures compensation for injuries or property damage caused to another person in an at-fault accident. Most drivers choose higher limits between $1-2 million.

Car insurance in Quebec costs approximately $60 per month or $717 per year on average. Rates are highest in Montreal and other urban centers, while rural areas tend to have cheaper premiums.

Quebec uses a hybrid insurance model where drivers buy mandatory accident coverage from the government, subsidizing rates. Optional coverage like collision and comprehensive is purchased from private insurers. This results in some of the lowest car insurance rates in Canada.

Your driving record, years licensed, vehicle make/model/year, mileage, deductibles, location, insurance history, age, gender and more all impact Quebec premiums. Getting quotes with the same insurer over time helps decrease costs.

You can get Quebec quotes easily online or over the phone. Provide details like your driving and vehicle info and companies will return customized rate estimates. Comparing quotes helps find the best rate.

Quebec law requires all drivers carry third-party liability coverage of $50,000 to cover injury or property damage costs to others you may cause in an at-fault accident up to your policy limits.

Drivers in Quebec often purchase higher third party liability limits along with collision, comprehensive, accident benefits/income replacement coverage, uninsured auto, underinsured motorist protection and more from private insurers.

Yes, those with a learner’s permit can be added as a secondary driver on the policy of a fully licensed policyholder in Quebec. This provides coverage while practicing driving skills under supervision.

Quebec utilizes a Direct Compensation Agreement where you make injury or property damage claims through your own insurer, regardless of fault. Your insurer then arranges reimbursement payments from the at-fault driver’s insurance company afterwards.

Yes, Quebec insurers will provide coverage options for older vehicles including classic cars, vintage vehicles and antique automobiles. Coverage is also available for modified or performance vehicles.

In Quebec, a single speeding ticket will increase your auto insurance premiums by about 20-30% on average. More tickets or other major violations can increase rates further. Tickets stay on your record for 3 years.

In Quebec, claims with payment made will impact your premiums for 6 years from the date of the at-fault accident. Rates can increase 50-100% or more depending on factors like claim amounts or previous accidents.

Use online insurance quote comparison sites to get rate estimates from multiple top insurers quickly. Compare coverage levels, pricing and insurer features side-by-side to find your best option.

Top insurers like TD, Intact, Belair, and Desjardins offer Quebec drivers discounts for bundling policies, being claims-free, insuring multiple cars, completing driver training programs, installing safety devices, paperless billing, and more.

Drive safely with no tickets/accidents, choose higher deductibles, insure less expensive vehicles, drive less annually, maintain good credit, bundle home insurance, inquire about group insurance rates, install safety devices, and compare rates regularly.

Yes, rural regions outside major urban centers like Montreal or Quebec City do typically enjoy lower average car insurance rates compared to those living in busier metropolitan areas.

It’s recommended to secure Quebec-compliant coverage before your move so you meet legal minimum auto insurance requirements from day one as a resident. Shopping rates 60-90 days pre-move allows securing coverage.

You should notify your current insurer of an upcoming move to Quebec. Some providers may offer coverage for 30-90 days post-move while you secure a Quebec policy. Check with your insurer about coverage options.

Yes, Quebec insurers can access Canadian driver records electronically through the Driver Record Information System. So violations or past claims from other provinces will be factored when calculating your Quebec car insurance rates.

 

Public vs Private Car Insurance

In Quebec, car insurance operates as a hybrid model with both public and private insurance providers. The public provider is the Société de l’assurance automobile du Québec (SAAQ), which administers the province’s mandatory public auto insurance plan. This covers bodily injury claims in the event of an accident.

Under the public plan, Quebec drivers must carry a minimum of $50,000 in liability coverage for injuries and property damage. This base coverage is provided by the SAAQ and paid for through an annual premium collected during driver’s license renewals. The public plan also provides compensation for material damage to your vehicle if you are not at fault in an accident.

Private insurers like Desjardins, Intact Insurance, TD Insurance, and Belairdirect operate in Quebec to provide additional optional coverage beyond the public plan’s minimums. This includes collision and comprehensive coverage to fully protect your vehicle in case of damage or theft. Private insurers also offer higher liability limits, loss of income protection, and other add-ons not included in the basic public auto insurance.

So the SAAQ provides baseline mandatory coverage, while private insurers fill in gaps with additional protection. Working together, public and private car insurance provide complete coverage for Quebec drivers.

 

Average Cost of Car Insurance

Car insurance premiums in Quebec are among the lowest in Canada. According to the Insurance Bureau of Canada, the average annual car insurance premium in Quebec is $717, which works out to $59.75 per month.

Rates vary considerably depending on where you live in the province. Drivers in Montreal and other urban centers pay the highest average premiums, while rural areas of Quebec have the lowest rates.

In Montreal, the average annual premium is around $960, or $80 per month. This is about 35% higher than the provincial average. Montreal’s high rate of accidents, claims and auto theft drive up costs for insurers, pushing premiums higher.

On the other hand, rural regions like Saguenay-Lac-St-Jean have average premiums around $600 annually or $50 monthly. With lower population density, accident frequency is reduced, allowing insurers to charge lower premiums.

Quebec City falls in the middle with average premiums of approximately $750 annually or $62.50 per month. As the provincial capital, it sees higher auto claims than rural regions but remains less costly than Montreal for insurers.

 

Factors Affecting Car Insurance Costs

There are several key factors that determine how much you’ll pay for car insurance in Quebec. These include:

 

Driver’s Age and Experience

Insurers view young drivers, especially males under 25, as higher risk and will charge them more. Teen drivers can expect to pay the highest rates. However, premiums will decrease as you gain more experience and maintain a clean driving record over the years.

 

Type of Vehicle

The make, model, year, repair costs and theft rates of your vehicle will impact your premiums. Luxury cars, sports cars, and vehicles with high horsepower tend to cost more to insure because they have higher repair costs and are more appealing to thieves. Older vehicles also tend to have higher premiums due to availability of replacement parts.

 

Where the Vehicle is Parked

If your vehicle is parked in an urban area or one with higher rates of accidents, vandalism or theft, you’ll pay more compared to lower risk regions. Where you park overnight is especially important – garaged vehicles receive the lowest rates.

 

Comparison of Top Insurers

Let’s take a look at some of the major insurance providers in Quebec and what they have to offer:

 

Desjardins

As a Quebec-based cooperative financial group, Desjardins offers competitive rates and coverage options for Quebec drivers. They provide standard auto insurance coverage like liability, collision and comprehensive. Desjardins offers potential savings through discounts for bundling home and auto policies, insuring multiple vehicles on one policy, completing an accredited defensive driving course, and more.

 

Intact

Intact is one of the largest providers of property and casualty insurance in Canada. For Quebec drivers, they offer broad coverage includings liability, accident benefits, collision, comprehensive, and more. Intact provides several ways to lower your rates through multi-policy discounts by bundling home and auto insurance, multi-vehicle savings, and discounts for winter tires and certain safety features.

 

TD Insurance

As the insurance arm of the TD Bank Group, TD Insurance serves drivers across Canada including Quebec. They provide standard auto insurance coverage and give discounts for bundling home and auto insurance, insuring multiple vehicles on one policy, completing a driver training course, equipping your vehicle with select safety features, and more.

 

Belairdirect

Belairdirect provides Quebec residents with affordable coverage options and potential savings. They offer standard auto insurance coverage types. Discounts are available for bundling auto with home insurance, insuring multiple vehicles on one policy, completing an accredited defensive driving course, winter tires, certain safety features, and more.

 

Getting Quotes

Getting car insurance quotes is an essential part of finding the best coverage at the lowest price. Here are some tips on getting quotes for car insurance in Quebec:

 

Recommended Minimum Coverage

While Quebec law only requires $50,000 in liability coverage, most experts recommend getting at least $1 million. This provides better protection in the event of a major accident. When getting quotes, be sure to compare rates for $1 million or more in liability coverage.

 

Getting Quotes Online vs Agent

You can get quotes directly from insurance company websites or use an insurance comparison site to get multiple quotes at once. This is usually the fastest way. You can also get quotes by contacting local insurance agents, but this may take more time.

 

Negotiating Discounts

Once you have quotes, contact the insurance companies and let them know if you’ve found better rates with competitors. They may be able to provide additional discounts to get your business, so don’t be afraid to negotiate. Key discounts to ask about include bundling with home insurance, multi-vehicle, multi-policy, good driver, and any others you may qualify for.

 

Understanding Your Policy

When looking at car insurance policies in Quebec, it’s important to understand what coverage types are included as well as any exclusions or limitations. This will help ensure you have adequate protection for your specific needs.

 

Deciphering Types of Coverage

There are a few main types of coverage to understand:

 

  • Liability Coverage – This coverage protects you if you cause damage or injury to another person/vehicle. It covers both property damage and bodily injury liability. Quebec requires minimum $50,000 liability coverage.
  • Collision – Pays to repair or replace your vehicle if damaged in a collision with another vehicle or object, regardless of fault.
  • Comprehensive – Covers damage to your vehicle from non-collision-related events like theft, vandalism, fire, or natural disasters.
  • Uninsured/Underinsured Motorist – Provides coverage if you’re in an accident caused by an uninsured or underinsured driver.
  • Personal Injury Protection – Helps pay medical expenses for you and your passengers after an accident, regardless of fault.

 

Understanding Exclusions and Limitations

While the above coverages provide protection, most policies also contain exclusions where the insurer will not pay out a claim.

For example, many policies exclude coverage for regular vehicle maintenance and repairs, damage caused by wear and tear, accidents while driving under the influence, or accidents that occur while racing. There may also be monetary limitations like caps on rental car reimbursement.

Reading the full policy document carefully is key to avoiding any surprises. Having an expert explain the finer details can also provide peace of mind.

 

Claims Process

If you get into an accident or your vehicle is damaged or stolen, you’ll need to start a claim with your insurer. Here’s what to expect during the claims process:

 

When and How to File a Claim

You should notify your insurer as soon as possible after an accident or loss occurs. Many companies allow you to start a claim 24/7 by calling their claims department or filing online or via mobile app. Be prepared to provide details like the date, time, and location of the incident.

Your insurer will open a claim and assign an adjuster, who will contact you to get more details. Cooperate fully by providing documentation like photos of damage, police reports, and estimates for repairs. The more evidence you provide, the smoother the process.

 

Working with Adjusters

The adjuster is responsible for investigating your claim, determining fault and liability, and settling the claim. Adjusters have expertise in assessing vehicle damage, so work collaboratively with yours. Be patient, as they handle many claims at once.

For repairs, your insurer will recommend approved body shops. You can use your preferred shop, but the insurer will only pay the amount they estimate. Review repair estimates carefully before approving.

 

Appealing a Decision

If you disagree with your adjuster’s decision, first ask them to reconsider or provide additional evidence. If you reach an impasse, you can file a formal appeal with the insurer’s appeals department. Include documentation supporting your position.

As a last resort, contact your provincial insurance regulator to file a complaint. They may help resolve the dispute through mediation if the insurer violated regulations.

 

Discounts to Lower Premiums

One way to potentially lower your car insurance premiums in Quebec is to take advantage of available discounts. Here are some common discounts to ask about:

Safety features like airbags

Many insurance companies offer discounts if your vehicle has certain safety features like airbags, anti-lock brakes, and anti-theft systems. Having more airbags in your vehicle can sometimes significantly reduce your rates.

Bundling home and auto insurance

You may be able to save by purchasing both your home and auto insurance from the same provider. Most insurers offer a multi-policy discount of up to 15%, so bundling can be an easy way to save money.

Being claims-free

Drivers who maintain a clean driving record without accidents, tickets or claims will typically enjoy the lowest rates. Insurance companies reward safe driving histories with claim-free discounts.

 

Raising Deductibles

One way to lower your car insurance premium is by raising your deductible. A deductible is the amount you pay out-of-pocket before your insurance coverage kicks in after a claim.

In Quebec, the standard deductible is $500. But you can opt for higher deductibles like $750, $1,000 or even $2,500. The higher the deductible you choose, the lower your monthly premium will be.

However, it’s important to consider whether the premium savings are worth the financial risk you take on. Make sure you have enough savings to cover the higher deductible amount in the event you need to make a claim. Otherwise, you could end up with steep out-of-pocket costs.

Evaluate your personal finances and risk tolerance. For some drivers, especially those with substantial savings, accepting a higher deductible in exchange for lower premiums is a smart move. But for others, the standard $500 deductible is a safer choice despite the higher monthly cost.

 

Usage-Based Insurance

Usage-based insurance (UBI) is an auto insurance model that monitors driving habits and uses the data to calculate premiums. With traditional auto insurance, rates are based on factors like age, gender, driving record, vehicle type, mileage, and location. UBI offers drivers a way to potentially lower costs by having insurers monitor their actual driving behavior.

Insurers use a telematics device installed in the vehicle or a mobile app to track metrics like mileage, time of day, speed, acceleration, cornering, hard braking, and phone usage. This gives risk assessors a more complete profile to evaluate an individual’s driving habits.

Safe drivers tend to benefit most from UBI programs. By exhibiting behaviours like staying within speed limits, avoiding late-night trips, and not braking harshly, UBI policyholders can potentially earn significant discounts. However, risky driving can also result in rate increases for those monitored.

UBI is completely voluntary in Canada. Drivers uncomfortable with being monitored do not have to participate. But for those open to sharing their driving data, UBI represents an innovative way auto insurance is evolving to be more customized and personalized.

 

Alternative Options

In addition to the standard insurance policies in Quebec, there are a few alternative options to consider that may help lower your premiums:

 

Usage-Based Coverage

Usage-based coverage, also known as pay-as-you-drive or telematics insurance, is a type of auto insurance where your premiums are based on your driving habits rather than just traditional factors. Your insurance company will collect data on your driving through a telematics device installed in your vehicle or a mobile app. This allows them to more accurately price your policy based on your actual driving behaviour such as miles driven, time of day, speed, hard braking events, etc.

This type of insurance is appealing to safe drivers or those who drive fewer miles. By allowing your insurance company to monitor your driving habits, you have the potential to lower your premiums significantly compared to traditional car insurance pricing models. However, risky driving can also increase your rates over time. Usage-based insurance is offered by most major insurers in Quebec like Desjardins, TD Insurance, and Intact Insurance.

 

Membership Options

The Canadian Automobile Association, also known as CAA, offers its members exclusive discounts on car insurance in Quebec. CAA Members can save up to 20% on their auto insurance just for being a member. CAA also offers usage-based insurance to members with the potential for further discounts. Membership fees are generally low cost compared to the potential savings. Drivers should consider joining CAA if they want access to the best car insurance rates in Quebec.

 

Maintaining Coverage

Once you have purchased a car insurance policy, there are a few key things to keep in mind to maintain your coverage:

 

Notifying Insurer of Changes

You must inform your insurer promptly of any changes that could affect your policy or premiums. This includes things like moving addresses, adding drivers to your policy, changes to your car’s use (e.g. now using it for deliveries), and accidents/tickets that occur. Failure to notify your insurer in a timely manner of material changes could risk denial of a future claim.

 

Renewing on Time

Make sure to pay your renewal premiums when due and on time. Non-payment could lead to cancellation of your policy. Review any policy changes at renewal carefully.

 

Checking Statements

When you receive statements from your insurer, give them a quick review to make sure the details on your policy (such as coverages, deductibles, drivers etc.) are all accurate. Report any discrepancies right away.

 

Conclusion

Car insurance in Quebec can seem complicated with the province’s hybrid public/private system, but understanding the basics goes a long way. The SAAQ covers injury claims, while private insurers provide coverage for property damage and other protections. On average, Quebec drivers pay the lowest premiums in Canada thanks to the public system handling injury payouts. But rates still vary based on your driving record, location, vehicle, and other factors.

When shopping for coverage, get quotes from multiple insurers to find the best rate for your profile. Look for any discounts you may qualify for to lower your premium. Consider raising deductibles to decrease your monthly payment, but only if you have savings to cover the out-of-pocket costs in the event of a claim. Usage-based insurance plans can also help lower premiums for safe, low-mileage drivers. And always make sure you have the minimum liability coverage required in Quebec to protect yourself financially.

By understanding the unique car insurance landscape in the province and shopping smart, Quebec drivers can find high-quality coverage at the lowest possible cost.

Quebec Auto Insurance Questions

The government of Quebec mandates that all vehicle owners carry a minimum of $50,000 in third-party liability coverage. This ensures compensation for injuries or property damage caused to another person in an at-fault accident. Most drivers choose higher limits between $1-2 million.

Car insurance in Quebec costs approximately $60 per month or $717 per year on average. Rates are highest in Montreal and other urban centers, while rural areas tend to have cheaper premiums.

Quebec uses a hybrid insurance model where drivers buy mandatory accident coverage from the government, subsidizing rates. Optional coverage like collision and comprehensive is purchased from private insurers. This results in some of the lowest car insurance rates in Canada.

Your driving record, years licensed, vehicle make/model/year, mileage, deductibles, location, insurance history, age, gender and more all impact Quebec premiums. Getting quotes with the same insurer over time helps decrease costs.

You can get Quebec quotes easily online or over the phone. Provide details like your driving and vehicle info and companies will return customized rate estimates. Comparing quotes helps find the best rate.

Quebec law requires all drivers carry third-party liability coverage of $50,000 to cover injury or property damage costs to others you may cause in an at-fault accident up to your policy limits.

Drivers in Quebec often purchase higher third party liability limits along with collision, comprehensive, accident benefits/income replacement coverage, uninsured auto, underinsured motorist protection and more from private insurers.

Yes, those with a learner’s permit can be added as a secondary driver on the policy of a fully licensed policyholder in Quebec. This provides coverage while practicing driving skills under supervision.

Quebec utilizes a Direct Compensation Agreement where you make injury or property damage claims through your own insurer, regardless of fault. Your insurer then arranges reimbursement payments from the at-fault driver’s insurance company afterwards.

Yes, Quebec insurers will provide coverage options for older vehicles including classic cars, vintage vehicles and antique automobiles. Coverage is also available for modified or performance vehicles.

In Quebec, a single speeding ticket will increase your auto insurance premiums by about 20-30% on average. More tickets or other major violations can increase rates further. Tickets stay on your record for 3 years.

In Quebec, claims with payment made will impact your premiums for 6 years from the date of the at-fault accident. Rates can increase 50-100% or more depending on factors like claim amounts or previous accidents.

Use online insurance quote comparison sites to get rate estimates from multiple top insurers quickly. Compare coverage levels, pricing and insurer features side-by-side to find your best option.

Top insurers like TD, Intact, Belair, and Desjardins offer Quebec drivers discounts for bundling policies, being claims-free, insuring multiple cars, completing driver training programs, installing safety devices, paperless billing, and more.

Drive safely with no tickets/accidents, choose higher deductibles, insure less expensive vehicles, drive less annually, maintain good credit, bundle home insurance, inquire about group insurance rates, install safety devices, and compare rates regularly.

Yes, rural regions outside major urban centers like Montreal or Quebec City do typically enjoy lower average car insurance rates compared to those living in busier metropolitan areas.

It’s recommended to secure Quebec-compliant coverage before your move so you meet legal minimum auto insurance requirements from day one as a resident. Shopping rates 60-90 days pre-move allows securing coverage.

You should notify your current insurer of an upcoming move to Quebec. Some providers may offer coverage for 30-90 days post-move while you secure a Quebec policy. Check with your insurer about coverage options.

Yes, Quebec insurers can access Canadian driver records electronically through the Driver Record Information System. So violations or past claims from other provinces will be factored when calculating your Quebec car insurance rates.

 

Public vs Private Car Insurance

In Quebec, car insurance operates as a hybrid model with both public and private insurance providers. The public provider is the Société de l’assurance automobile du Québec (SAAQ), which administers the province’s mandatory public auto insurance plan. This covers bodily injury claims in the event of an accident.

Under the public plan, Quebec drivers must carry a minimum of $50,000 in liability coverage for injuries and property damage. This base coverage is provided by the SAAQ and paid for through an annual premium collected during driver’s license renewals. The public plan also provides compensation for material damage to your vehicle if you are not at fault in an accident.

Private insurers like Desjardins, Intact Insurance, TD Insurance, and Belairdirect operate in Quebec to provide additional optional coverage beyond the public plan’s minimums. This includes collision and comprehensive coverage to fully protect your vehicle in case of damage or theft. Private insurers also offer higher liability limits, loss of income protection, and other add-ons not included in the basic public auto insurance.

So the SAAQ provides baseline mandatory coverage, while private insurers fill in gaps with additional protection. Working together, public and private car insurance provide complete coverage for Quebec drivers.

 

Average Cost of Car Insurance

Car insurance premiums in Quebec are among the lowest in Canada. According to the Insurance Bureau of Canada, the average annual car insurance premium in Quebec is $717, which works out to $59.75 per month.

Rates vary considerably depending on where you live in the province. Drivers in Montreal and other urban centers pay the highest average premiums, while rural areas of Quebec have the lowest rates.

In Montreal, the average annual premium is around $960, or $80 per month. This is about 35% higher than the provincial average. Montreal’s high rate of accidents, claims and auto theft drive up costs for insurers, pushing premiums higher.

On the other hand, rural regions like Saguenay-Lac-St-Jean have average premiums around $600 annually or $50 monthly. With lower population density, accident frequency is reduced, allowing insurers to charge lower premiums.

Quebec City falls in the middle with average premiums of approximately $750 annually or $62.50 per month. As the provincial capital, it sees higher auto claims than rural regions but remains less costly than Montreal for insurers.

 

Factors Affecting Car Insurance Costs

There are several key factors that determine how much you’ll pay for car insurance in Quebec. These include:

 

Driver’s Age and Experience

Insurers view young drivers, especially males under 25, as higher risk and will charge them more. Teen drivers can expect to pay the highest rates. However, premiums will decrease as you gain more experience and maintain a clean driving record over the years.

 

Type of Vehicle

The make, model, year, repair costs and theft rates of your vehicle will impact your premiums. Luxury cars, sports cars, and vehicles with high horsepower tend to cost more to insure because they have higher repair costs and are more appealing to thieves. Older vehicles also tend to have higher premiums due to availability of replacement parts.

 

Where the Vehicle is Parked

If your vehicle is parked in an urban area or one with higher rates of accidents, vandalism or theft, you’ll pay more compared to lower risk regions. Where you park overnight is especially important – garaged vehicles receive the lowest rates.

 

Comparison of Top Insurers

Let’s take a look at some of the major insurance providers in Quebec and what they have to offer:

 

Desjardins

As a Quebec-based cooperative financial group, Desjardins offers competitive rates and coverage options for Quebec drivers. They provide standard auto insurance coverage like liability, collision and comprehensive. Desjardins offers potential savings through discounts for bundling home and auto policies, insuring multiple vehicles on one policy, completing an accredited defensive driving course, and more.

 

Intact

Intact is one of the largest providers of property and casualty insurance in Canada. For Quebec drivers, they offer broad coverage includings liability, accident benefits, collision, comprehensive, and more. Intact provides several ways to lower your rates through multi-policy discounts by bundling home and auto insurance, multi-vehicle savings, and discounts for winter tires and certain safety features.

 

TD Insurance

As the insurance arm of the TD Bank Group, TD Insurance serves drivers across Canada including Quebec. They provide standard auto insurance coverage and give discounts for bundling home and auto insurance, insuring multiple vehicles on one policy, completing a driver training course, equipping your vehicle with select safety features, and more.

 

Belairdirect

Belairdirect provides Quebec residents with affordable coverage options and potential savings. They offer standard auto insurance coverage types. Discounts are available for bundling auto with home insurance, insuring multiple vehicles on one policy, completing an accredited defensive driving course, winter tires, certain safety features, and more.

 

Getting Quotes

Getting car insurance quotes is an essential part of finding the best coverage at the lowest price. Here are some tips on getting quotes for car insurance in Quebec:

 

Recommended Minimum Coverage

While Quebec law only requires $50,000 in liability coverage, most experts recommend getting at least $1 million. This provides better protection in the event of a major accident. When getting quotes, be sure to compare rates for $1 million or more in liability coverage.

 

Getting Quotes Online vs Agent

You can get quotes directly from insurance company websites or use an insurance comparison site to get multiple quotes at once. This is usually the fastest way. You can also get quotes by contacting local insurance agents, but this may take more time.

 

Negotiating Discounts

Once you have quotes, contact the insurance companies and let them know if you’ve found better rates with competitors. They may be able to provide additional discounts to get your business, so don’t be afraid to negotiate. Key discounts to ask about include bundling with home insurance, multi-vehicle, multi-policy, good driver, and any others you may qualify for.

 

Understanding Your Policy

When looking at car insurance policies in Quebec, it’s important to understand what coverage types are included as well as any exclusions or limitations. This will help ensure you have adequate protection for your specific needs.

 

Deciphering Types of Coverage

There are a few main types of coverage to understand:

 

  • Liability Coverage – This coverage protects you if you cause damage or injury to another person/vehicle. It covers both property damage and bodily injury liability. Quebec requires minimum $50,000 liability coverage.
  • Collision – Pays to repair or replace your vehicle if damaged in a collision with another vehicle or object, regardless of fault.
  • Comprehensive – Covers damage to your vehicle from non-collision-related events like theft, vandalism, fire, or natural disasters.
  • Uninsured/Underinsured Motorist – Provides coverage if you’re in an accident caused by an uninsured or underinsured driver.
  • Personal Injury Protection – Helps pay medical expenses for you and your passengers after an accident, regardless of fault.

 

Understanding Exclusions and Limitations

While the above coverages provide protection, most policies also contain exclusions where the insurer will not pay out a claim.

For example, many policies exclude coverage for regular vehicle maintenance and repairs, damage caused by wear and tear, accidents while driving under the influence, or accidents that occur while racing. There may also be monetary limitations like caps on rental car reimbursement.

Reading the full policy document carefully is key to avoiding any surprises. Having an expert explain the finer details can also provide peace of mind.

 

Claims Process

If you get into an accident or your vehicle is damaged or stolen, you’ll need to start a claim with your insurer. Here’s what to expect during the claims process:

 

When and How to File a Claim

You should notify your insurer as soon as possible after an accident or loss occurs. Many companies allow you to start a claim 24/7 by calling their claims department or filing online or via mobile app. Be prepared to provide details like the date, time, and location of the incident.

Your insurer will open a claim and assign an adjuster, who will contact you to get more details. Cooperate fully by providing documentation like photos of damage, police reports, and estimates for repairs. The more evidence you provide, the smoother the process.

 

Working with Adjusters

The adjuster is responsible for investigating your claim, determining fault and liability, and settling the claim. Adjusters have expertise in assessing vehicle damage, so work collaboratively with yours. Be patient, as they handle many claims at once.

For repairs, your insurer will recommend approved body shops. You can use your preferred shop, but the insurer will only pay the amount they estimate. Review repair estimates carefully before approving.

 

Appealing a Decision

If you disagree with your adjuster’s decision, first ask them to reconsider or provide additional evidence. If you reach an impasse, you can file a formal appeal with the insurer’s appeals department. Include documentation supporting your position.

As a last resort, contact your provincial insurance regulator to file a complaint. They may help resolve the dispute through mediation if the insurer violated regulations.

 

Discounts to Lower Premiums

One way to potentially lower your car insurance premiums in Quebec is to take advantage of available discounts. Here are some common discounts to ask about:

Safety features like airbags

Many insurance companies offer discounts if your vehicle has certain safety features like airbags, anti-lock brakes, and anti-theft systems. Having more airbags in your vehicle can sometimes significantly reduce your rates.

Bundling home and auto insurance

You may be able to save by purchasing both your home and auto insurance from the same provider. Most insurers offer a multi-policy discount of up to 15%, so bundling can be an easy way to save money.

Being claims-free

Drivers who maintain a clean driving record without accidents, tickets or claims will typically enjoy the lowest rates. Insurance companies reward safe driving histories with claim-free discounts.

 

Raising Deductibles

One way to lower your car insurance premium is by raising your deductible. A deductible is the amount you pay out-of-pocket before your insurance coverage kicks in after a claim.

In Quebec, the standard deductible is $500. But you can opt for higher deductibles like $750, $1,000 or even $2,500. The higher the deductible you choose, the lower your monthly premium will be.

However, it’s important to consider whether the premium savings are worth the financial risk you take on. Make sure you have enough savings to cover the higher deductible amount in the event you need to make a claim. Otherwise, you could end up with steep out-of-pocket costs.

Evaluate your personal finances and risk tolerance. For some drivers, especially those with substantial savings, accepting a higher deductible in exchange for lower premiums is a smart move. But for others, the standard $500 deductible is a safer choice despite the higher monthly cost.

 

Usage-Based Insurance

Usage-based insurance (UBI) is an auto insurance model that monitors driving habits and uses the data to calculate premiums. With traditional auto insurance, rates are based on factors like age, gender, driving record, vehicle type, mileage, and location. UBI offers drivers a way to potentially lower costs by having insurers monitor their actual driving behavior.

Insurers use a telematics device installed in the vehicle or a mobile app to track metrics like mileage, time of day, speed, acceleration, cornering, hard braking, and phone usage. This gives risk assessors a more complete profile to evaluate an individual’s driving habits.

Safe drivers tend to benefit most from UBI programs. By exhibiting behaviours like staying within speed limits, avoiding late-night trips, and not braking harshly, UBI policyholders can potentially earn significant discounts. However, risky driving can also result in rate increases for those monitored.

UBI is completely voluntary in Canada. Drivers uncomfortable with being monitored do not have to participate. But for those open to sharing their driving data, UBI represents an innovative way auto insurance is evolving to be more customized and personalized.

 

Alternative Options

In addition to the standard insurance policies in Quebec, there are a few alternative options to consider that may help lower your premiums:

 

Usage-Based Coverage

Usage-based coverage, also known as pay-as-you-drive or telematics insurance, is a type of auto insurance where your premiums are based on your driving habits rather than just traditional factors. Your insurance company will collect data on your driving through a telematics device installed in your vehicle or a mobile app. This allows them to more accurately price your policy based on your actual driving behaviour such as miles driven, time of day, speed, hard braking events, etc.

This type of insurance is appealing to safe drivers or those who drive fewer miles. By allowing your insurance company to monitor your driving habits, you have the potential to lower your premiums significantly compared to traditional car insurance pricing models. However, risky driving can also increase your rates over time. Usage-based insurance is offered by most major insurers in Quebec like Desjardins, TD Insurance, and Intact Insurance.

 

Membership Options

The Canadian Automobile Association, also known as CAA, offers its members exclusive discounts on car insurance in Quebec. CAA Members can save up to 20% on their auto insurance just for being a member. CAA also offers usage-based insurance to members with the potential for further discounts. Membership fees are generally low cost compared to the potential savings. Drivers should consider joining CAA if they want access to the best car insurance rates in Quebec.

 

Maintaining Coverage

Once you have purchased a car insurance policy, there are a few key things to keep in mind to maintain your coverage:

 

Notifying Insurer of Changes

You must inform your insurer promptly of any changes that could affect your policy or premiums. This includes things like moving addresses, adding drivers to your policy, changes to your car’s use (e.g. now using it for deliveries), and accidents/tickets that occur. Failure to notify your insurer in a timely manner of material changes could risk denial of a future claim.

 

Renewing on Time

Make sure to pay your renewal premiums when due and on time. Non-payment could lead to cancellation of your policy. Review any policy changes at renewal carefully.

 

Checking Statements

When you receive statements from your insurer, give them a quick review to make sure the details on your policy (such as coverages, deductibles, drivers etc.) are all accurate. Report any discrepancies right away.

 

Conclusion

Car insurance in Quebec can seem complicated with the province’s hybrid public/private system, but understanding the basics goes a long way. The SAAQ covers injury claims, while private insurers provide coverage for property damage and other protections. On average, Quebec drivers pay the lowest premiums in Canada thanks to the public system handling injury payouts. But rates still vary based on your driving record, location, vehicle, and other factors.

When shopping for coverage, get quotes from multiple insurers to find the best rate for your profile. Look for any discounts you may qualify for to lower your premium. Consider raising deductibles to decrease your monthly payment, but only if you have savings to cover the out-of-pocket costs in the event of a claim. Usage-based insurance plans can also help lower premiums for safe, low-mileage drivers. And always make sure you have the minimum liability coverage required in Quebec to protect yourself financially.

By understanding the unique car insurance landscape in the province and shopping smart, Quebec drivers can find high-quality coverage at the lowest possible cost.

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Quebec Auto Insurance Questions

The government of Quebec mandates that all vehicle owners carry a minimum of $50,000 in third-party liability coverage. This ensures compensation for injuries or property damage caused to another person in an at-fault accident. Most drivers choose higher limits between $1-2 million.

Car insurance in Quebec costs approximately $60 per month or $717 per year on average. Rates are highest in Montreal and other urban centers, while rural areas tend to have cheaper premiums.

Quebec uses a hybrid insurance model where drivers buy mandatory accident coverage from the government, subsidizing rates. Optional coverage like collision and comprehensive is purchased from private insurers. This results in some of the lowest car insurance rates in Canada.

Your driving record, years licensed, vehicle make/model/year, mileage, deductibles, location, insurance history, age, gender and more all impact Quebec premiums. Getting quotes with the same insurer over time helps decrease costs.

You can get Quebec quotes easily online or over the phone. Provide details like your driving and vehicle info and companies will return customized rate estimates. Comparing quotes helps find the best rate.

Quebec law requires all drivers carry third-party liability coverage of $50,000 to cover injury or property damage costs to others you may cause in an at-fault accident up to your policy limits.

Drivers in Quebec often purchase higher third party liability limits along with collision, comprehensive, accident benefits/income replacement coverage, uninsured auto, underinsured motorist protection and more from private insurers.

Yes, those with a learner’s permit can be added as a secondary driver on the policy of a fully licensed policyholder in Quebec. This provides coverage while practicing driving skills under supervision.

Quebec utilizes a Direct Compensation Agreement where you make injury or property damage claims through your own insurer, regardless of fault. Your insurer then arranges reimbursement payments from the at-fault driver’s insurance company afterwards.

Yes, Quebec insurers will provide coverage options for older vehicles including classic cars, vintage vehicles and antique automobiles. Coverage is also available for modified or performance vehicles.

In Quebec, a single speeding ticket will increase your auto insurance premiums by about 20-30% on average. More tickets or other major violations can increase rates further. Tickets stay on your record for 3 years.

In Quebec, claims with payment made will impact your premiums for 6 years from the date of the at-fault accident. Rates can increase 50-100% or more depending on factors like claim amounts or previous accidents.

Use online insurance quote comparison sites to get rate estimates from multiple top insurers quickly. Compare coverage levels, pricing and insurer features side-by-side to find your best option.

Top insurers like TD, Intact, Belair, and Desjardins offer Quebec drivers discounts for bundling policies, being claims-free, insuring multiple cars, completing driver training programs, installing safety devices, paperless billing, and more.

Drive safely with no tickets/accidents, choose higher deductibles, insure less expensive vehicles, drive less annually, maintain good credit, bundle home insurance, inquire about group insurance rates, install safety devices, and compare rates regularly.

Yes, rural regions outside major urban centers like Montreal or Quebec City do typically enjoy lower average car insurance rates compared to those living in busier metropolitan areas.

It’s recommended to secure Quebec-compliant coverage before your move so you meet legal minimum auto insurance requirements from day one as a resident. Shopping rates 60-90 days pre-move allows securing coverage.

You should notify your current insurer of an upcoming move to Quebec. Some providers may offer coverage for 30-90 days post-move while you secure a Quebec policy. Check with your insurer about coverage options.

Yes, Quebec insurers can access Canadian driver records electronically through the Driver Record Information System. So violations or past claims from other provinces will be factored when calculating your Quebec car insurance rates.

Get Approved Today

See if you qualify in under 60 seconds