On line car insurance quotes: Be careful!

In Quebec, when you own a motor vehicle, you must have civil liability insurance of at least $50,000. This insurance protects you in the event of:

• damage to your vehicle in the event of a collision in Quebec for which you are not responsible;
• property damage and bodily injury in an accident that occurred outside Quebec, and for which you would be held liable;
• property damage caused to others for which you would also be held liable.

However, it is strongly recommended that you opt for $2,000,000 coverage, because for just a few extra dollars, you will be much better covered in the event of a serious accident. The “civil liability” portion of your auto insurance policy is commonly referred to as Chapter A. Chapter B, on the other hand, covers damage to the insured vehicle.

Don’t walk on a tightrope, be sure of yourself!

When you fill out an online auto insurance application and are offered the option to purchase your insurance instantly, you need to understand one thing: if you haven’t chosen the right coverage for your needs, you may regret it if you are unfortunate enough to have an accident.

The question that Assurances Multi-Risques would like to ask you is this: are you familiar with the different types of coverage available for auto insurance? Completing and paying for your auto insurance online is certainly an appealing idea—it’s quick. But speed is the only advantage of this approach.

3 disadvantages of buying car insurance (or home insurance!) online:

1. You have no certainty that your premium is the cheapest, as no comparison is made with other insurance companies available on the market.
2. Unless you are a seasoned insurance specialist, you cannot be certain that you have chosen the best options for your personal situation.
3. In the event of a claim or dispute, you are on your own to defend yourself against the insurance company you deal with. And this can sometimes take months!

Trust us! At AMR, we receive calls every day from new customers who previously purchased their insurance online without even speaking to an advisor, and all of them have had unfortunate experiences… Don’t make the same mistakes!

A broker: an ally that doesn’t cost you any more

Contrary to popular belief, using the services of an insurance broker costs you nothing. Why? Because they are paid by the insurers they work with. So why deprive yourself of comprehensive, personalized, and professional service?

Insurance brokers shop around for you to find the best insurance at the best price. Looking to save time? Brokers offer you that option! What’s more, in the event of a claim, they take care of everything for you and fight on your side so that you can get back to normal as quickly and easily as possible.

In conclusion

Insuring your car, home, or business is not something to be taken lightly. Unfortunately, too few citizens understand the real issues behind purchasing insurance.

Many people realize too late that they did not have adequate coverage, sometimes leaving them in difficult situations. That is why at Assurances Multi-Risques , we are committed to our work and want to educate you about insurance through our weekly blog posts.

For advice, to learn more, or simply to ask us questions, we are at your service! Visit the advice section of our website by clicking here , or contact us at 819-791-1791 or toll-free at 1-855-791-1791.

We look forward to advising you!