How do car insurance quotes work in Canada?

Car insurance quotes in Canada are estimates from insurers based on your driving profile, vehicle details, and coverage needs. We collect your information through our AI assistant, then connect you with licensed insurance providers who can offer competitive rates tailored to your situation.

Can I upload my policy to compare?

Yes! Our policy analyzer tool lets you upload your current insurance policy document. We'll summarize your coverages, identify potential gaps, and suggest ways you might save money.

Absolutely. We use SSL encryption to protect your data and are fully PIPEDA compliant. We never sell your information to third parties.

How does car insurance work in Quebec?

Quebec has a hybrid system. SAAQ provides public coverage for bodily injury, and private insurers cover property damage liability, collision, and comprehensive coverage.

What is the minimum car insurance required in Quebec?

You must have at least $50,000 in civil liability coverage for property damage from a private insurer. Bodily injury is automatically covered by SAAQ through vehicle registration.

Why is car insurance different in Quebec?

Quebec uses a no-fault system for bodily injury through SAAQ, while property damage is covered by private insurance. This separates personal injury from vehicle damage claims.

Can I get cheaper car insurance in Quebec?

Yes, by comparing private insurers, bundling policies, maintaining a clean driving record, and asking about discounts for winter tires, safe driving, or multi-vehicle policies.

Do I need comprehensive coverage in Quebec?

Comprehensive coverage is optional unless required by a lender. It protects against theft, vandalism, and weather damage. Choose based on your vehicle value and budget.

Car Insurance Quotes Quebec

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Car Insurance in Quebec

Minimum Coverage

Bodily injury covered by SAAQ (public insurance)
Civil liability for property damage (private insurance)
Optional collision and comprehensive coverage
Minimum $50,000 liability for property damage

What Affects Your Rate

Location within Quebec (Montreal, Quebec City, rural)
Driving record and demerit points
Vehicle make, model, and value
Use of vehicle (personal, business)
Years of driving experience

Quebec has a unique hybrid system with public coverage for bodily injury and private insurance for property damage. Comparing private insurers helps you find the best rates. Actual rules and rates vary by provider. This information is for educational purposes and does not constitute legal advice.

How to Save on Car Insurance in Quebec

Compare private insurers for property damage coverage
Bundle home and auto insurance
Maintain a clean driving record to avoid demerit points
Increase deductibles to reduce premiums
Ask about available discounts
Consider usage-based insurance options
Review coverage annually
Pay annually to save on fees

Frequently Asked Questions

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