Are you looking for a cheap car insurance quote in Quebec?
While Quebecers already enjoy the lowest car insurance rates in Canada, you can still save money by doing your research.
Researching the best car insurance quotes does not have to be complicated or time-consuming.
In fact, it can be done very easily by using a digital platform like Compare Home Quotes.
You can receive 1 free quote from one of our partner insurers so you can compare and choose the coverage that is suited to your needs and budget.
Cheap Car Insurance: Great Coverage at the best price
When searching for a cheap car insurance quote, you need to look at the big picture.
It is not just a cheap price you want but rather a good price for adequate coverage.
In Quebec, auto insurance coverage is unique which makes premiums much lower compared to other parts of the country.
What is the minimum car Insurance requirement in Quebec?
The public auto insurance plan is responsible for personal injuries and covers all residents whether they have a driver’s license or not. Provided by the Société de l’assurance automobile du Québec (SAAQ), it includes:
- Medical expenses
- Funeral costs for up to $4,913
- Impairment benefits
- Disability income (a maximum of $67500 a year or 90% of the net annual income)
Quebec implements a no-fault system wherein drivers deal with their own insurers for property or vehicle damage, whoever is at fault in an accident.
Residents must obtain private auto insurance against property damage with a mandatory coverage of $50,000.
If you want an affordable car insurance policy, it is important to compare rates from insurers to get the best price.
Factors that affect the price of car insurance premiums
Car insurance rates in Quebec are said to be at least 50% lower compared to Ontario and British Columbia.
This means residents enjoy savings of up to 50% for comparable coverage.
This does not mean, however, that you should feel comfortable getting the first policy you find for car insurance.
You can enjoy more savings from lower premiums if you know how to lower car insurance rates.
How do insurers calculate car insurance premiums?
Insurers use a variety of criteria, such as:
- Age and gender
- Vehicle mileage
- Driving record (do you have violations on record?)
- Car usage
- Length of time you have had a driver’s license
- Nature of vehicle use (personal or business)
Insurers look at these factors to arrive at the cost of your insurance premiums.
What do you need to do to qualify for lower car insurance premiums?
It is possible to get even lower car insurance rates in Quebec by following these tips:
- Pay your premiums on time
- Always compare car insurance quotes before buying or renewing your policy
- Get car insurance from your home insurance company
- Choose adequate but not excessive coverage
- Maintain a good safety and driving record
- Buy a car with a good safety record that costs less for repairs
While the SAAQ sets the rates for personal injury coverage, the various insurers in the province determine their own car insurance premiums.
To make sure you are getting the best price for the coverage you want, obtain a free quote using the short online form below. This is free and no obligation!
How does car insurance work in La Belle province?
Car insurance in Quebec has two parts: the public plan and private insurance.
THE PUBLIC INSURANCE FROM THE SAAQ
covers compensation for injuries due to a road accident in Quebec or in other parts of Canada and the world.
Under this plan, Quebecers cannot sue a third-party for injuries.
PRIVATE CAR INSURANCE
is also needed because the public plan does not cover vehicular damage.
In Quebec, vehicle owners need to have a civil liability coverage for a minimum amount of $50,000.
Insurers use the same form called the “Quebec Policy Form” which has 2 sections.
Section A (civil liability) is mandatory with a minimum amount of $50,000.
It is also referred to as “one-way insurance) and covers:
This includes damage to other people’s property with your car such as if you damage a neighbor’s fence.
This insurance also provides coverage for damage to your vehicle due to a collision with another vehicle due to no fault on your part.
If you are at fault, you will only get reimbursed for damage to your own vehicle if you have Section B coverage (not mandatory).
It can cover expenses for injuries caused by your vehicle that are not covered by the public plan.
What is Section B?
Also referred to as optional insurance or 2-way insurance, this coverage will reimburse you for damage to your vehicle if you are at fault in the accident.
It also covers damage to your vehicle caused by flood, hail, theft, vandalism, or fire.
All risk insurance
covers any damage to your car except for something specified in the policy such as rust.
It is up to you to decide about your private auto insurance.
You can obtain the mandatory part (Section A) or enjoy greater coverage with (Section B.)
In order to find the best coverage at the right price, fill out the form on this page to receive a free quote from one of our partner insurers.
Frequently asked questions about car insurance in Quebec
If you are looking to buy car insurance for the first time or wanting to renew your coverage at a lower price, below are questions that can be very useful when making your choice.
Is car insurance mandatory in Quebec?
Yes, drivers in Quebec are required to have adequate car insurance on their vehicles.
Why are car insurance premiums lower in Quebec?
Since injury claims are limited only under the public insurance plan, private insurers are able to offer lower rates.
What is a deductible in car insurance?
A deductible is the amount your insurer will not pay when you file a claim.
This means you will be responsible for paying the deductible.
The higher the amount of your deductible, the lower your car insurance premiums will be.
If you figure in a car accident for which you are not at fault, there will be no deductible as you will be paid from Section A of your insurance.
How do I report a complaint or dispute about my car insurance?
A complaint regarding your insurer can be reported to the Autorité des marchés financiers (AMF).
Can I cancel my auto insurance?
You can cancel your auto insurance any time you wish by informing your insurance company in writing.
Any paid premiums may be refunded.
How do I get the best auto insurance rates?
You can get the best auto insurance rates by comparing prices from insurers.
You should also understand how insurers compute their rates so you can qualify for lower premiums.
To get started, you can request for a free auto insurance quote by filling out the short form on this page.
Shop now for lower car insurance premiums
If you are looking for the best car insurance rates in Quebec, just fill out the form below with your information.
You will receive a FREE and NO OBLIGATION quote from one of our partner insurers.
Just make sure to provide accurate information to receive a quote that is tailored to your needs and your budget.
We want you to get the best deal for car insurance that is why we have made it easier for you to find the best prices.
Check how much you can save from your auto insurance premiums by obtaining your free quote today!