How to Save on Auto Insurance?
Auto insurance premiums have jumped 20-40% in Quebec since 2022. Good news: several concrete levers can cut your bill without sacrificing protection. Here are the 10 tactics that deliver the best real-world results.
1. Shop around every year (the #1 move)
The most rewarding strategy — and the most forgotten. Every insurer adjusts pricing yearly. A profile that got the best rate at insurer X two years ago often pays CA$300-$800 more this year. Using a comparator takes 3 minutes and can save you a month of groceries.
2. Bundle auto + home
The multi-product discount is the most universal. Concentrating both policies at the same insurer typically saves 10-20% on each. On a CA$3,000 yearly total, that’s CA$300-$600 off.
3. Raise your deductible
Going from a CA$500 to CA$1,000 deductible cuts your premium 10-20%. Makes sense if you have at least CA$1,000 in emergency savings. Keep the low deductible for high-risk vehicles (theft, 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 CA$500, a total loss barely pays out. Discuss with your partner broker.
5. Optimize your annual mileage
Many drivers overstate their mileage out of caution. Most insurers offer lower premiums for drivers under 15,000 km/year. Check your declaration.
6. Use telematics
Many insurers offer 10-25% off if you accept a telematics device or app that tracks your driving. Ideal for careful drivers, less interesting for rushed commuters.
7. Annual payment discount
Paying your premium in one lump sum instead of monthly often saves 5-8% (monthly plans include admin fees).
8. Professional or group discount
Professional orders, unions, associations and employers often have deals with certain insurers. Check with your employer or association.
9. Defensive driving course
Some insurers offer discounts for drivers who complete a defensive driving course. Often 5-10% for 3 years.
10. Pick an “insurance-friendly” vehicle
Before buying, get a quote for 2-3 models you’re considering. The premium gap between a popular SUV and a compact sedan can hit CA$800/year.
Take action now
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