Frequently Asked Questions on Auto Insurance

If you lend your car, you also lend your insurance. If anything happens, your friend will be covered under your auto insurance policy, as long as he or she has a valid driver’s license and meets the other conditions of your policy.

If your friend is involved in an at-fault accident while driving your car, it could affect your premium.

If you lend your car to someone, remember that your auto insurance coverage may not apply if he or she does not have a valid driver’s license.

Where you live is one factor that affects the cost of your auto insurance.

Generally speaking, drivers who live in a city pay higher auto insurance premiums than those who live in the suburbs. There are several reasons for this:

• More traffic increases the risk of accidents.
• There's a higher risk of vehicle theft.
• Vandalism is more common.

For tips on how to save on your insurance, read Tips to Save on Home and Auto Insurance Premiums.

To get an auto insurance quote, use our online quote request form or contact us.

Yes, it’s the law.

• If you get caught driving without auto insurance in Canada, you’ll be fined.
• If you damage someone’s property, or you injure or kill someone and you are sued, you’ll have to pay for the damages in full.

Before you buy auto insurance, read our tips Compare and Choose Your Auto Insurance.

No

However, to keep yourself and your family safe, it is very important to have winter tires on your car from December 15 to March 15. Quebec winters can hold some nasty surprises, and you should be prepared.

What’s more, if you don’t comply with Bill 42, you are liable to be fined from $200 to $300.

For more information, see the new provisions applicable to winter tires in the Highway Safety Code.

We check your credit score only to offer you the best premium possible.

It has been shown that credit scores are effective in predicting future insurance claims. That is why we use this, along with other information about your property or automobile, in order to determine the best insurance premium for you.

When you take out an insurance policy with us, we also use your credit score to determine your payment terms. Afterwards, when it’s time to renew or change your insurance policy, we update information collected so we can continue to offer you a customized price.

Credit agencies distinguish between consulting for insurance purposes and consulting for a loan. This means that when we verify your credit score, it isn’t affected.

What happens if I don’t want my credit score to be checked?

We respect your decision and will offer you an insurance premium, although you might not receive the best premium.

It depends on how much you increase them. The higher your deductible, the lower your premium.

If you choose Standard coverage, you can save hundreds of dollars on your auto insurance premium by increasing the Collision and Comprehensive deductibles.

To find out more about this topic, read The Impact of Your Deductible on your Premium.

Believe it or not, reducing your auto insurance premium is up to you.

Here are some tips:

• Drive carefully.
• Get your auto insurance and home insurance with us. You could qualify for a multi-line discount.
• Choose a vehicle with low insurance rates. Generally speaking, the older the car, the cheaper the premium. Get an auto insurance quote and compare the rates for different vehicles.
• Choose a vehicle with low repair costs. It costs less to repair an economy-class vehicle than a luxury vehicle.
• Install a certified anti-theft system. We will reduce your auto insurance premium, no matter how old your vehicle is.
• Increase your Collision and Comprehensive deductibles. The higher your deductible, the lower your premium.
• If your vehicle is old, consider not including Collision and Comprehensive coverage in your auto insurance policy.

To make the right choices when purchasing auto insurance, read Choosing the Right Kind of Auto Insurance.

To drive a vehicle in Québec, you must have the following minimum insurance coverage:

Civil liability

This coverage protects you if you’re involved in an accident and you damage someone’s property, or if you injure or kill someone. According to provincial law, you must have at least $50,000 in civil liabilitycoverage, but most people choose a limit of $1,000,000 or $2,000,000.

Other coverage is optional, but is often required by insurers when you purchase or lease a vehicle. To find out more, read Choosing the Right Kind of Auto Insurance.