Find the Best Car Insurance in Québec

Safe Car Insurance at Every Turn

Getting the proper insurance for your vehicle is very important, especially in the busy streets of Québec!

Obtaining the ideal car insurance can always be challenging, customers are always torn between different providers which policies to purchase.

Having the right car insurance can save you many headaches in case of a claim. Knowing what you need and what is required is an important process when buying car insurance. This is why a good insurance policy is crucial!

Safe Car Insurance

At Ciccarello, we are experts in auto insurance in Québec. Depending on the year, make and model of your automobile, the requirements of your car financing company or simply your budget, Ciccarello Assurances is here to advise you every step of the way. Many factors can influence your insurance premium and, in some cases, lower it.

We put together a team of dedicated insurance professionals to guide you. Upon contacting us, our experts will help you choose the car insurance coverage that’s right for you.

We are confident that our network is one of our key strengths. Our long list of insurance providers gives us the power to tailor policies for the specific needs of each industry. We believe that what works for others does not necessarily work for you.

Contact us for a quote and an expert opinion

Coverage for High-Value Home Insurance

Here are some of the many reasons why we think we are the best in town:

Expertise

Our brokers have a lot of expertise and experience when it comes to auto insurance, and we actively pursue professional growth to ensure we are experts in our field.

Genuine Choice

You receive genuine choice and competition since we are an independent, car insurance brokerage that works for you and not the other way around.

Hands-on Approach

We can find you the best vehicle insurance since we deal with over 10 car insurance providers. We take a hands-on approach because we think it's important to know what you need, from communication to insurance.

How to obtain an auto insurance policy?

There are several options available to you when purchasing auto insurance. Car insurance rates are available from Ciccarello over the phone, online, or in person. Our skilled auto insurance brokers will compare prices and conduct their own research for you. You may choose from a variety of coverage options and obtain inexpensive vehicle insurance quotes thanks to our independence and relationships with several auto insurance providers.

To get started, you will need to submit a few details to receive a quote. In general, the accuracy of the auto insurance quote can increase with the amount of information provided. This data is used to calculate your risk, the level of coverage you require for your auto insurance, and the potential cost of your policy.

How do we calculate the rates?

Here are a few elements that affect how much you pay for vehicle insurance:

  • Your history of claims and insurance.
  • Your credit score.
  • Your coverage options for insurance, including your deductible.
  • Your driving history.
  • The demographics.
  • Where you live.
  • The age and model of your car.
  • Out of province use
  • Electric automobile
car insurance rates

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Auto insurance coverage options

Understanding the many types of coverage you have access to is crucial whether you’re purchasing a new automobile or looking around for a new auto insurance policy. Cheaper isn’t always better because your coverage selections can affect your auto insurance prices. A vehicle insurance broker can assist you in striking a precise balance between protection and budget.

Here are a few choices for auto insurance protection:

Direct Compensation for Property Damage
Collision
Comprehensive
All Perils
Loss of Use
Rental Car
Third-Party Liability
Accident Benefits
Mandatory automobile insurance

Mandatory automobile insurance

Third-party liability insurance is compulsory in all provinces and territories. While it is offered only by private auto insurance companies in other provinces, it is offered by government insurers in some provinces. The cost to private insurers is also regulated by some provincial governments. Although modest, the minimum required limit may not cover the total cost of a major accident.

Personal injury caused to third parties is covered by civil liability. If you are sued, it may also cover your legal costs. For example, if you hit someone in Québec, your insurance will pay for your injuries. It will also help pay your legal fees, such as lawyer’s fees, judgments and settlements, should that driver take legal action against you.

Accident benefits are another type of compulsory insurance. They help pay post-accident medical and death expenses for you and your car’s passengers, regardless of who’s at fault.

Coverage for direct compensation of property damage is also required.

If you are involved in an accident for which another driver is at fault, direct compensation for property damage can help cover the cost of repairing or replacing your car. Even if you are found to be partially at fault for the collision, you will be entitled to some compensation under Direct Compensation for Property Damage. However, you will not be covered if you are entirely at fault for the accident; in this case, you must take out collision insurance.

No-Fault insurance

In Québec, all Québecers are covered by the Québec public automobile insurance plan. This plan was created to provide compensation in case of injury or death caused by an accident that occurred in Québec or anywhere else in the world.

No-Fault car insurance

Comprehensive Car Insurance

Hail, storms, and vandalism are a few more threats that can harm cars in addition to accidents. Under the umbrella of comprehensive coverage, your car is covered in the case of several types of damage that aren’t caused by accidents.

Your lender will probably need full collision and comprehensive coverage if you have financed your car. This is because you would still be responsible for paying off the loan even if the car was damaged or destroyed. Car insurance is frequently necessary since it helps to guarantee that the lender will receive their money back.

Auto insurance with minimum of liability insurance (Section A) is mandatory in Québec. You can’t drive without it. The beneficiary (Leasing company or lienholder) will always ask that the auto is insured for Liability (Section A) and Collision (B2) and Comprehensive (B3).

Collision Car Insurance

Collision Car Insurance

This coverage will assist in covering the cost of your vehicle’s repairs if you are at fault in an accident.

Other Car Insurance Coverage/Endorsements

Various insurance coverages could be necessary for you. The motor insurance company might determine them. For instance, to be sufficiently insured in the case of an accident, you will need specific insurance if you drive for Uber.

If your automobile is involved in a covered claim, you may also need the loss of use waiver- QEF 20, which pays for a rental car while your vehicle is being repaired or replaced. If you rent cars and do not want to utilize the rental agency’s auto insurance, you may also choose rental car coverage (QEF 27).

You must obtain business vehicle insurance if you use your car for work, or have it registered in your company’s name.

Replacement cost insurance (QEF 43) : This coverage will guarantee your vehicle will be replaced in case of a covered total loss.

There are several other possibilities for auto insurance. That’s why we always suggest that you stick with one of our Cicarrello’s brokers. They are the experts here.

Ciccarello Assurances et services financiers

We are proud to be a certified insurance broker by the AMF. Get the best type of policy and coverage you need to protect your business with Ciccarello Assurances et services financiers.

Our experienced brokers give you options

Ciccarello Assurances has brought experience and innovation to the insurance industry.

Since 1965, our dedicated team of brokers and insurance companies has been serving our clients with the utmost care. We distinguish ourselves by providing personalized and tailored service.

Ciccarello Assurances - Head Office
  • 5993, rue Jean-Talon E. suite 202
    Montréal (Québec) H1S 1M5

  • (514) 253-8960

Ciccarello Assurances - Laval
  • 5305 Notre-Dame Blvd, suite 208
    Laval (Québec) H7W 4T8

  • (514) 253-8960

Ciccarello Assurances - Lasalle