Car Insurance in Laval

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Laval car insurance policy 101

Your Laval car insurance policy has mandatory coverages as well as a few optional coverages that can be purchased.

The mandatory coverages are broken down in to two components:
  • Public auto insurance: Your driver's licence is administered by the government agency called the Société de l'assurance automobile du Québec (SAAQ), and includes Injury coverage in the cost.

    Each year, premiums are set for Quebec's public automobile insurance plan. Premiums can vary depending on your driving record as well as demerit points accumulated. The public automobile insurance plan in Quebec ensures that all its residents are covered for injury or death resulting from an automobile collision.
  • Private auto insurance: Your private plan covers civil liability as well as property damage. This coverage is obtained though private insurance companies that Kanetix.ca features. The minimum legal coverage is $50,000, but it is much more common to have liability that is set to $1 million or $2 million.

  • There are more than three optional coverages that can be added to your Laval car insurance policy, but the most common are the following:
    • Collision (or upset) coverage: This covers damage to your vehicle as a result of an impact or collision with another vehicle or object.
    • Comprehensive coverage: This insures your car against damage caused by non-collision scenarios like theft and vandalism.
    • All perils coverage: This is both collision/upset coverage and comprehensive coverage rolled up into one.
    These optional coverages typically come with a deductible. A deductible is the portion of an insurance claim you agree to pay. Your deductibles will factor into how your auto insurance rates are calculated. The higher the deductible the lower your rates.

    What Goes into Your Laval Car Insurance Rate?

    Laval is the largest suburb of Montreal, Quebec. It is also the third largest municipality in the province of Quebec, and the 13th largest city in Canada. The population currently exceeds 402,000. Data from Kanetix.ca shows that the average age of drivers searching for low rates in Laval is 39 and male drivers (65%) outnumber females (35%) by a significant amount.

    Residents of Laval, as well as car insurance customers across Canada, understand that several factors come into play when auto insurance firms calculate rates. Where you live in Laval, your commute, the car you drive, and your driving history are all important sources of information insurance providers require.

    Where You Live in Laval

    Since Laval is a mere 11 kilometres from Montreal, you can expect it to have similar driving conditions. Therefore, busy traffic conditions and tough driving situations will arise. If you live in quieter more remote sections of the city with less traffic congestion, there may be a chance to capitalize on it in terms of lower insurance premiums.

    Your Commute

    The driving distance from Montreal to Laval is about 13 kilometres, and thousands of drivers make that trip each day. Insurance providers take note of the length and duration of the drive to work when they calculate rates. They also note which customers use public transportation or other means such as walking or bicycling to work when they establish insurance premiums. Generally speaking, the latter methods have a cost advantage when determining rates.

    The Car You Drive in Laval

    Vehicle model and year is a major component in determining auto insurance premiums. Theft rates, safety ratings, repair costs and several other parameters are also used by insurance professionals to help generate the most accurate insurance premiums. In Laval, the Honda Civic takes the top spot for most popular vehicle that drivers shop insurance for. The Mazda3 is the second most commonly insured automobile followed by the Toyota Corolla. The Hyundai Elantra and Volkswagen Jetta hold down the fourth and fifth spots among drivers researching rates on Kanetix.ca.

    Your Driving History

    Insurance premiums reflect your past driving behavior and there`s nothing you can do to prevent that. Therefore, expect all accidents, infractions, tickets or charges that appear on your driving record to be scrutinized by your insurance company. At the same time, if you show that you have a safe driving history with little or no driving mishaps, you can be sure insurance companies will take it into consideration. It could knock down your insurance costs significantly.

    More than half of all drivers in Laval report at least one car accident, as noted while getting their auto insurance quotes on Kanetix.ca. In fact, a hefty 62 per cent have reported at least one incident. Significantly less drivers (47%), report that they have received at least one ticket. Almost half of all male drivers (49%) admitted they had at least one ticket, which is slightly higher when compared to the female group at 43%.

    Drive Safely and Save Money

    Many drivers are convinced that using some form of roadside assistance program is of great benefit today especially as driving conditions become more difficult. According to statistics obtained by Kanetix.ca, 32 per cent of Laval car insurance customers use roadside assistance programs. These drivers should inform their insurance companies to see if they qualify for a discount, as many insurance firms offer a price reduction.

    Other Discounts May Be Available

    Holding multiple policies with one insurance company should mean significant savings for customers, right? As it turns out, insurance companies will give significant discounts to reward that loyalty. Laval insurance customers (44%) take advantage of a multi-line discount from their provider.

    If you want even cheaper insurance prices, there are ways of obtaining it. If you haven`t already done so, complete a driver training course. Also, look into adding security features on your vehicle, or installing an alarm system in your garage.

    Shop Around to see if You Can Save Money

    Compare rates regularly to ensure you're getting the best price for your car insurance coverage. Compare rates annually at renewal, but also if your situation changes like when you get married (or divorced), move, buy a new car, add drivers to your policy (like your teen), get a ticket, are involved in a collision, change jobs or retire. These are all ideal times when you should shop around to see if you can lower your car insurance rate.

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    auto INSURANCE QUOTE TICKER
    Car Insurance Quotes Premium
    Customer 30, LAVAL, PQ
    2017, HONDA, ACCORD TOURING V6 4DR
    SSQ auto$898
    The Co-operators$966
    TD Insurance$1147
    Aviva Agency$1420
    Range of top quotes$522
    Customer 32, LAVAL, PQ
    2013, HONDA, CIVIC LX 4DR
    SSQ auto$607
    Aviva Agency$864
    TD Insurance$890
    The Co-operators$1011
    Range of top quotes$404
    Customer 49, LAVAL, PQ
    2012, AUDI, A5 2.0T QUATTRO 2DR
    The Co-operators$1331
    COSECO$1568
    SSQ auto$2153
    TD Insurance$2269
    Range of top quotes$938
    Customer 48, LAVAL, PQ
    2016, HYUNDAI, TUCSON 1.6T 4DR AWD
    The Co-operators$648
    SSQ auto$680
    TD Insurance$721
    Aviva Agency$1219
    Range of top quotes$571
    Customer 27, LAVAL, PQ
    2014, TOYOTA, COROLLA S 4DR
    SSQ auto$917
    The Co-operators$1173
    TD Insurance$1215
    COSECO$1392
    Range of top quotes$475
    Customer 21, LAVAL, PQ
    2014, SUBARU, FORESTER 2.5i WAGON AWD
    TD Insurance$1420
    SSQ auto$1426
    The Co-operators$2073
    Aviva Agency$4026
    Range of top quotes$2606
    Customer 59, LAVAL, PQ
    2015, MAZDA, CX-5 GT 4DR AWD
    HB Group$557
    Aviva Agency$917
    SSQ auto$1156
    TD Insurance$1186
    Range of top quotes$629

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