Article provided by: Caisse populaire Desjardins de Gatineau
Desjardins is a leading Canadian financial services cooperative, and we specialize in offering affordable car insurance in Quebec. Our long-term debt is rated Aa2 by Moody's, and we are one of the few lenders in the country to welcome everyone regardless of their financial situation.
How to get cheaper car insurance
Car insurance rules and norms differ from one province to another, and most of the factors that affect your premium rates are out of your control. Nevertheless, you can reduce your car premium with some of these tips:
- Shop around and compare prices - Ask for quotes from at least 3-4 car insurance providers, and compare the prices before buying a plan. Be sure to haggle and negotiate the premium rate with the insurance providers to get the best deal.
- Pay for the coverage you need - Determine the type of coverage you need before you go shopping for insurance. Canadian law requires you to have certain coverages. Besides, your province may also require you have certain coverages. Make sure to buy a policy that offers all those coverages.
- Combine insurance - If you already own home insurance, you can combine it with your car insurance to nail a better deal.
Besides, make sure to buy a car model that comes with adequate safety features and has a high crash-test score. The insurance rate for such car models is much cheaper.
Types of car insurance
There are two different types of car insurance in Canada. Based on the province you live, you will buy your insurance from a writer or a public insurer or a private insurer. In provinces such as British Columbia, Manitoba, and Saskatchewan, residents can buy their insurance only from the respective governments, and it is called a public insurance system. Residents buy their car insurance from a Crown Corporation, and these policies can include a minimum third-party liability (approximately $200,000) and offer accident benefits to policyholders in the event of an injury. Individuals who wish to buy additional coverage can purchase add-ons at the public insurance system or may also buy the add-ons from a private car insurance company.
On the other hand, all the other Canadian provinces can buy their insurance from private car insurance providers. These residents enjoy the advantage of getting to compare rates between insurers and choose the most affordable plan that offers the best coverage.
Top reasons to choose us for car insurance in Quebec
We offer commercial vehicle insurance at competitive premium rates. All our car insurance policyholders enjoy annual cashback on the total insurance premium they pay. We offer the best customer services and hold the highest rating when it comes to quick processing of claims. All our policyholders also enjoy the ease of access and convenience through our insurance home-auto mobile app.
At Desjardins, we do not focus on generating profits. Instead, we capitalize on meeting our clients' and borrowers' needs. To buy car insurance in Quebec, visit https://www.desjardins.com/ca/contact-us/!Car Insurance Quebec
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