How much is auto insurance for a Jeep in Quebec?

Finding car insurance in Quebec is not difficult but it costs money, too. Depending on the type and age of your vehicle and your personal information, car insurance can cost from a few hundred dollars to a thousand.

Paying the right amount for your car insurance is important. Hence, we want to help you find the best car insurance premiums to save you time and money.

The following FAQS can answer some of your questions to help you buy the best car insurance for your Jeep.

How much cheaper is 1-way insurance compared to 2-way insurance?

1-way insurance can be 3 times cheaper than 2-way insurance. Keep in mind, however, that 1-way insurance does not cover damage to your vehicle if you are responsible for the accident.

What is the recommended amount for civil liability for car insurance?

Civil liability is the amount that covers you when you cause damage to another vehicle or property or injuries or death of a person. In Quebec Province, the mandatory minimum amount is $50,000. Most insurance experts recommend that you get more than that.

If you only drive within the limits of Quebec, you don’t need to worry about bodily harm to other persons because the SAAQ takes care of that.  Most insurance professionals would recommend $1M in civil liability coverage.

But if you sometimes drive outside of Quebec, including the United States, you will need to consider material damage and bodily harm which can be very expensive. In this case, professionals would usually recommend $2 Million in civil liability coverage.

Why do insurers check on credit history for car insurance?

It is the belief of insurance companies that people who are responsible with their finances are more likely to be careful with their driving and maintenance of their vehicles.

You need to give your consent to check on your credit report. If you give consent and your credit is good, you could potentially get lower premiums.

Which insurance company pays for damage in multi-car accidents?

The Direct Compensation Agreement (DCA) by the Government mandates that for accidents involving two or more cars, damage to your own vehicle is reimbursed by your insurance company if you are at fault and you have Section B coverage.

If you are not responsible for the accident, the damage to your vehicle will be covered by the civil liability insurance of the other driver.

What is the recommended deductible for car insurance?

A deductible is the amount you pay out of pocket before you can claim from your insurer. The higher the deductible, the lower your premium will be. Of course, your deductible should be a reasonable amount because if you make frequent claims from your insurer, your premiums will be more expensive. You can consider a deductible of $500 or $1,000 and that would also depend on the model and age of your vehicle and your usage.

Do you need to pay the deductible for accidents that are not your fault?

No, you don’t pay for the deductible and the damage will be covered by your civil liability insurance.