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Car insurance is an essential part of every driver’s life, not only because it’s mandatory, but also because it provides financial protection in the event of an accident, theft or damage to your vehicle. As a driver, it’s crucial to understand the different coverage options, the factors that influence the cost of your premium and how to choose a policy that meets your needs. Whether you’re a new driver or an experienced owner, car insurance helps you drive with peace of mind while protecting you from the unexpected on the road.

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The Basics of Car Insurance

Car insurance is a fundamental aspect for any vehicle owner. It helps cover financial losses related to accidents, thefts or other incidents. Understanding the basics of insurance allows you to better choose the coverage that fits your needs and budget, while respecting legal obligations. Here is a detailed overview of the essential points of car insurance.

1.1. What is car insurance and why is it mandatory?

Car insurance is a contract between the driver and the insurer that guarantees financial protection in the event of an accident or incident involving your vehicle. It is mandatory in most countries, including Canada, because it covers the costs related to property damage and bodily injury caused to others. Third-party liability is the minimum type of insurance required by law. It protects other drivers, passengers and pedestrians if you are responsible for an accident.

The legal requirement to have car insurance is intended to ensure that all drivers can cover the costs associated with accidents, thereby reducing the financial burden on victims and the legal system. Not having car insurance can result in hefty fines, license suspension, or even seizure of your vehicle.

1.2. The different types of auto insurance coverage (liability, collision, comprehensive, etc.)

There are several types of car insurance coverage, each offering a different level of protection. Here are the most common ones:

  • Liability: This is the minimum coverage required by law. It compensates third parties for property damage and bodily injury caused during an accident for which you are responsible. It does not cover your own injuries or damage to your vehicle.
  • Collision: This coverage pays for repairs or replacement of your car if it is damaged in an accident, whether you are at fault or not. It is especially useful for newer or high-value cars.
  • Comprehensive: This more comprehensive insurance covers not only collisions, but also damage caused by events other than an accident, such as theft, vandalism, natural disasters, or even fires.
  • Uninsured or Underinsured Accident Protection: This option covers costs if you are involved in an accident with an uninsured or underinsured driver.

Depending on the value of your vehicle and your budget, choosing between these different options allows you to tailor your car insurance to your specific needs.

1.3. How does the insurance premium work and what factors influence it?

Your car insurance premium is the amount you pay your insurer on a regular basis to maintain your coverage. This amount varies based on several factors that influence the insurer's perceived risk. Here are the main elements that can cause your premium to fluctuate:

  • Your age and driving experience: Younger or less experienced drivers often pay higher premiums due to the increased risk of accidents.
  • Vehicle type: The make, model, year and value of your car affect the premium. For example, luxury or sports cars may cost more to insure.
  • Where you live: Drivers living in urban areas with more traffic and crime rates may pay more than those living in rural areas.
  • Your driving history: A clean record with no accidents or violations often qualifies for lower premiums, while a driver with previous accidents or violations will generally pay more.
  • Number of miles driven: The more you drive, the more likely you are to have an accident, which can increase your premium.

Each insurer uses a unique calculation method to determine your car insurance premium, but all take these criteria into account when assessing risk.

1.4. The importance of car insurance for new drivers

For a new driver, having car insurance is not only mandatory, but also essential to protect yourself financially. New drivers are perceived as more of a risk by insurers because they have less experience on the road, which can lead to higher premiums. However, it is crucial to have adequate coverage to avoid finding yourself in a difficult financial situation in the event of an accident.

New drivers can benefit from personalized advice to choose the best car insurance for their situation. In addition, some insurers offer specific programs to encourage safe driving, such as discounts for those who take advanced driving courses or reduced premiums after a certain period without an accident.

Choosing the Right Car Insurance Coverage

Choosing the right car insurance is essential to protect your vehicle and yourself in the event of an incident, while respecting your budget. There are different levels of coverage, and each driver has specific needs. Whether you drive a new or used car, the criteria to consider vary depending on the value of the vehicle, its use and your driver profile. Here are some key points to consider when choosing your car insurance.

2.1. How to assess your car insurance needs?

Before purchasing car insurance, it is important to assess your specific needs. This will depend on several factors:

  • Vehicle Type: The value of your car plays a crucial role. A new or luxury car will require more comprehensive coverage, such as comprehensive insurance, while a used or low-value car may be able to get less extensive coverage, such as liability only.
  • Vehicle use: If you use your car daily to commute to work, or if you drive long distances, you’ll probably want more extensive coverage, including physical damage protection. On the other hand, if you drive rarely, basic coverage may be enough.
  • Driver profile: Young drivers, senior drivers or those with a problematic driving history may require specific coverages. For example, new drivers may benefit from options that include collision and damage to their own vehicle.

It is essential to analyze these aspects to determine which auto insurance coverage best suits your needs, while respecting your budget.

2.2. Comparing insurance offers: how to find the best policy?

Comparing car insurance quotes is one of the most important steps to finding the policy that meets your needs at the best price. Here are some tips for comparing:

  • Compare coverage options: Make sure you understand what each policy includes. Some policies may offer comprehensive coverage, while others may only cover liability. Also look at exclusions, which are situations that are not covered.
  • Compare premiums: Insurance prices vary depending on the vehicle and driver criteria. However, don't settle for the lowest price. Make sure the coverage meets your needs and is sufficient to protect you in the event of an incident.
  • Compare the services offered: Some insurers offer additional benefits, such as roadside assistance, replacement cars in the event of an accident or online access to manage your policy. These services can make a difference if you are looking for comprehensive and convenient car insurance.

Using online comparison sites can make it easier to quickly review multiple car insurance quotes. Additionally, consulting an insurance broker can help you find personalized quotes.

2.3. The impact of deductibles on cost and coverage

The deductible, also called the “excess,” is the amount you’ll have to pay out of pocket before your insurance will cover the costs. It’s important to understand how your choice of deductible can affect both the cost of your premium and the amount you’ll be reimbursed in the event of a claim.

  • High deductible: Choosing a higher deductible means you'll pay less for your monthly premium. However, in the event of an accident or claim, you'll have to pay more before the insurance will cover the repairs or damages. This can be a good choice if you're a safe driver and want to save on your regular payments.
  • Low deductible: A lower deductible will increase your premium, but will reduce the costs you will have to pay in the event of a claim. This option is often preferred by drivers who want to minimize immediate financial risks in the event of an accident.

Choosing a deductible depends on your risk tolerance and budget. If you're willing to pay a slightly higher premium to avoid major costs after an accident, a lower deductible may be more beneficial. For others, a higher deductible may provide a better balance between cost and coverage for car insurance.

2.4. Insurance for new vehicles vs. used vehicles

Choosing between car insurance for a new or used car depends mainly on the value of the vehicle and the risks you are willing to take.

  • New Car Insurance: New cars are generally more valuable and therefore require more comprehensive coverage, often including comprehensive insurance and theft and vandalism protection. In the event of a major loss, repairing or replacing a new car can be expensive, so comprehensive coverage is highly recommended. Additionally, some insurers offer “new car value”, where in the event of a total loss, you will be compensated for the purchase value of the new car rather than its current replacement value. This can be beneficial for new vehicles to avoid losing out on rapid depreciation.
  • Used Car Insurance: Used cars, which are typically worth less, may require less coverage. For example, if the cost of repairing the car after an accident exceeds the value of the vehicle, comprehensive coverage may not be cost-effective. In this case, liability coverage and a collision option may be enough to protect against major risks while keeping the premium affordable.

In short, choosing the right car insurance coverage depends not only on the type of car you drive, but also on your risk tolerance and financial needs. Whether you own a new or used car, it's essential to carefully evaluate your options to ensure you get the right coverage for your situation.

Reduce the cost of your car insurance

Reducing the cost of your car insurance may seem difficult, but by adopting certain strategies, you can lower your premiums while still maintaining adequate coverage. Several factors influence the cost of your insurance, from your driving history to the type of vehicle you own. Here are some tips and things to consider to optimize your car insurance and reduce your expenses.

3.1. Tips for getting discounts on your insurance premium

There are several ways to get discounts on your car insurance. Here are some tips to save on your premiums:

  • Compare quotes: It’s always a good idea to shop around and compare multiple quotes before signing up for an insurance policy. Different insurers assess risk differently, which can result in significant differences in the premiums they offer. Use online comparison tools or consult a broker to ensure you find the best car insurance for you.
  • Increase your deductible: Choosing a higher deductible can significantly reduce your premium. However, be prepared to pay more in the event of a claim. This is recommended if you are a safe driver and are not often involved in accidents.
  • Bundle your insurance: Some insurers offer discounts if you bundle multiple types of insurance (such as home and auto insurance) with the same provider. This method, called “multi-insurance,” can result in significant savings on both policies.
  • Opt for telematics: Some insurers offer telematics programs, where a device is installed in your vehicle to track your driving habits. If you drive safely and drive fewer miles, you can get significant discounts.
  • Discounts for good driving record: If you have a clean driving record or no major violations, many insurers offer discounts on your premiums. It may also be helpful to take defensive driving courses to qualify for additional discounts.

3.2. Safe driving: influence on bonuses and reward programs

Safe driving can directly impact the cost of your car insurance. Insurers assess risk based on your driving behavior. The fewer accidents or violations you are involved in, the lower your premiums will be. Here's how safe driving can save you money on your car insurance:

  • Accident-free driving discounts: Many insurers reward drivers who have been accident-free for a certain period of time. Some offer “no-claims discounts,” where your premiums go down for each year you don’t have a claim.
  • Good Driving Reward Programs: Programs like those based on telematics allow you to monitor your driving in real time. Depending on how you drive (gentle braking, respecting speed limits, etc.), you can get discounts on your premiums. These programs encourage safe driving and reduce insurance costs.
  • Defensive driving courses: Some insurers offer discounts for drivers who have taken defensive driving courses. These courses improve your driving skills and reduce the risk of accidents, which translates into lower premiums.

3.3. The impact of driving history on the cost of insurance

Your driving history is one of the most important factors that influences the cost of your car insurance. Insurers review your record to assess the risk you pose as a driver. Here's how your history can affect your premiums:

  • Accidents: If you have been involved in any accidents in the past few years, this can increase the cost of your insurance. Insurers consider that a driver with a history of accidents is more likely to be involved in further incidents, which justifies a higher premium.
  • Violations: Speeding tickets, reckless driving, or any other traffic violation can result in significant increases in your premium. The more serious the violations, the greater the impact on the cost of your car insurance.
  • License Suspensions: If your license has been suspended for reasons such as drunk driving, you will be considered a high-risk driver. This can not only lead to higher premiums, but also limit the insurers willing to cover you.

Fortunately, over time, good driving behavior can lower your premiums. By avoiding accidents and violations, you can restore your credibility with insurers and get better terms.

3.4. Vehicle groups: how your vehicle choice affects your insurance

The type of car you drive has a direct impact on the cost of your car insurance. Insurers classify vehicles into different groups based on several criteria, and the higher the group your car falls into, the higher your premium will be. Here's how your choice of vehicle can impact your insurance:

  • Vehicle Value: Luxury cars or newer, high-end models are more expensive to insure due to their high price, higher repair costs, and increased risk of theft. Conversely, a used vehicle with a lower value will generally be less expensive to insure.
  • Vehicle Type: SUVs, pickup trucks, and off-road vehicles can cost more to insure due to their size and weight, which increase the potential for damage in the event of an accident. Smaller cars, on the other hand, can be less expensive to insure.
  • Safety features: Cars equipped with advanced safety technologies, such as emergency braking systems, rearview cameras or collision avoidance systems, can reduce the risk of accidents and, therefore, lower your premium. Some insurers even offer discounts for vehicles equipped with these features.
  • Theft history: Certain vehicle models are more likely to be stolen. If you own a car that is among the most commonly stolen models, your premium could be higher. To reduce this risk, you can install anti-theft devices and ask your insurer if this will qualify you for a discount.
The link between car loan and car insurance

Car loans and car insurance are closely related, as insurance is a must-have requirement for securing car financing. Whether you are purchasing a new or used vehicle, lenders want to make sure that their investment is protected. Car insurance not only ensures that you are covered in the event of an accident, but also ensures that the lender will not suffer financial losses if the vehicle is damaged or stolen before the repayment is complete.

4.1. Why is car insurance mandatory to get a car loan?

When you contract a car loan, lenders require that you have valid car insurance for the entire term of the loan. This requirement is in place to protect both the borrower and the lender.

  • Importance of Insurance in Securing Financing: Insurance plays a crucial role in ensuring that the vehicle, which serves as collateral for the loan, is covered in case of damage or total loss. If the vehicle is damaged, stolen or severely damaged, insurance takes care of the repairs or replacement, ensuring that the lender does not lose his investment.
  • Borrower Responsibility and Lender Protection: The borrower is responsible for maintaining insurance covering the vehicle throughout the loan. In the event of an accident without adequate insurance, the borrower would not only be responsible for the repair or replacement costs, but would also have to continue to repay the loan. For the lender, car insurance provides protection against this type of situation, ensuring that the financed asset is always protected.

4.2. Types of insurance required for a car loan

When getting a car loan, there are several types of car insurance that are often required. Insurers and lenders expect you to have at least enough coverage to protect against major risks, but certain types of insurance are more common for financed vehicles.

  • Liability and Property Damage Insurance: Liability is the minimum required by law in Canada. It covers bodily injury and property damage caused to third parties in the event of an accident. However, for a car loan, it is also necessary to have coverage for property damage to the vehicle, which protects against repairs in the event of an accident. This dual protection is often required to minimize risks.
  • Comprehensive insurance and total loss coverage: Lenders often require comprehensive coverage to protect the vehicle against a wide range of losses, including accidents, theft, vandalism, or natural disasters. In the event of a total loss of the vehicle (irreparable damage or theft without recovery), comprehensive insurance ensures that the loan is repaid. This protects the lender from any loss, as the compensation obtained through the insurance is used to cover the remaining balance of the loan.

4.3. How car insurance influences the total cost of the car loan

Car insurance has a direct impact on the overall cost of your car loan because it is one of the ongoing expenses you will incur throughout the repayment period. It is important to understand how insurance premiums affect your monthly payments and consider strategies to adjust your insurance costs.

  • How Insurance Premiums Affect Monthly Payments: Insurance premiums are paid monthly, quarterly, or annually, and they are added to your car loan payments. This means that your overall budget should include not only the amount of your monthly loan payments, but also the cost of insurance. The higher your insurance premium, the higher the total cost of ownership of the vehicle will be. That’s why it’s essential to choose your car insurance wisely to keep costs down.
  • Options to adjust coverage and reduce overall costs: To reduce the total cost of your car loan, you can explore several options to adjust your insurance coverage. For example, you can increase your insurance deductible, which will lower your monthly premiums, although it will increase the share you will have to pay in the event of a claim. Additionally, choosing coverage that is adjusted to the value of your vehicle (such as partial insurance for a used car) can also reduce your costs. Finally, some insurers offer discounts for safe driving, anti-theft devices or automatic payments, which can also help you save.

4.4. Optional insurance linked to a car loan

In addition to standard car insurance, there are optional insurance policies that may be offered or recommended when taking out a car loan. These insurance policies help protect the borrower against unforeseen situations that may affect their ability to repay the loan.

  • Default Insurance: This optional insurance covers your car loan payments if you are unable to work, such as due to illness, injury, or job loss. It ensures that your loan payments are taken care of for a set period of time, keeping you out of financial trouble while ensuring that the lender receives the payments due.
  • Loan Protection Insurance Options: Other types of insurance, such as auto loan life insurance, help ensure that the loan will be paid off if the borrower dies. This protects the driver’s family from having to take on the remaining debt. There are also options to extend insurance coverage after the loan term if you decide to refinance or extend payments.
Commonly asked questions about car insurance.

No, most lenders require you to have auto insurance in place before finalizing a car loan. Insurance is a guarantee to the lender that the vehicle, used as collateral for the loan, is protected in the event of damage, theft or accident. Without this protection, lenders will not take the risk of granting you financing.

Yes, you can change your car insurance even if you have an existing car loan. However, it is essential to ensure that your new coverage meets your lender’s requirements, particularly in terms of liability and property damage coverage. Also, inform your lender of the change to avoid any problems.

If you pay off your car loan before the end of its term, you can continue to use your car insurance as before. However, you have more flexibility to adjust your coverage to suit your needs, since lender requirements will no longer apply. For example, you may choose to reduce your coverage, such as switching from comprehensive to liability insurance, especially if the vehicle has lost value.

In the event of a claim, if your car insurance covers the damage, it will pay for the repairs or replacement of the vehicle. However, if the car is declared a total loss, the insurer's compensation will be paid directly to the lender to repay the remaining loan amount. If the compensation amount does not fully cover the loan balance, you will have to make up the difference.

No, it is not possible to include the cost of car insurance in the amount of the car loan. The insurance must be paid separately, whether monthly, annually or through another arrangement with your insurer. While the car loan covers the financing of the vehicle, insurance is a separate expense that cannot be included in the monthly loan payments. Therefore, you must budget for your insurance payments in addition to your loan payments.

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