How to Save on Auto Insurance — 10 Proven Tactics
Auto insurance premiums in Quebec have jumped 20 to 40% since 2022. The good news: several concrete strategies can reduce your bill — without sacrificing coverage. Here are the 10 tactics that deliver the best real-world results.
1. Shop Every Year (Tactic #1)
This strategy delivers the highest savings, and it’s the one most people skip. Every insurer adjusts rates annually based on claims and target markets. A profile that got the best rate from Insurer X two years ago often costs CA$300–800 more this year. Using a comparison tool takes 3 minutes and can save a month of groceries.
2. Bundle Auto + Home Insurance
The multi-product discount is the most universal. Placing both policies with one insurer typically saves 10 to 20% on each. On a combined CA$3,000 annual bill, that’s CA$300–600 in savings.
3. Increase Your Deductible
Moving from a CA$500 to CA$1,000 deductible cuts your premium by 10 to 20%. Makes sense if you have an emergency fund of at least CA$1,000. Keep lower deductibles for high-risk vehicles (theft-prone, young driver).
4. Drop Collision on an Older Vehicle
If your car is worth less than CA$3,000–4,000, collision coverage becomes questionable economically. The math: if your collision premium is CA$400/year and your deductible is CA$500, a total loss pays out almost nothing. Discuss this with your partner broker.
5. Optimize Your Annual Mileage
Many drivers declare higher mileage than reality out of caution. But most insurers offer adjusted premiums for drivers under 15,000 km/year. Review your declared mileage.
6. Use Telematics
Several insurers offer 10 to 25% discounts if you accept a telematics device or app that monitors your driving. Great if you drive defensively, less appealing for aggressive drivers.
7. Annual Payment Discount
Paying your premium in one lump sum instead of monthly instalments often saves 5 to 8% (monthly payments include administrative fees).
8. Professional or Group Discounts
Professional associations, unions, clubs, and employers often have agreements with certain insurers. Check with your employer or association.
9. Defensive Driving Course
Some insurers offer discounts to drivers who complete a defensive driving course. Often 5 to 10% for 3 years.
10. Choose an Insurance-Friendly Vehicle
Before buying, get quotes for 2–3 models you’re considering. The premium difference between a popular SUV and a compact sedan can reach CA$800/year.
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