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Quebec Auto Insurance Information

Welcome to Kanetix, Quebec's online car insurance quote comparison tool. Kanetix's auto insurance quote comparison service brings shoppers in QC, who are searching for competitive car insurance rates, together with insurance companies who offer insurance quotes in QC. Car insurance quotes are currently available in Ontario, Alberta, Quebec, New Brunswick and Prince Edward Island for personal-use vehicles.

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Instant Quebec Car Insurance Quotes.

It's easy to compare your Auto Insurance quote in Quebec.

As in all parts of Canada, drivers in Quebec, must have car insurance to legally drive a vehicle, but there's absolutely no reason to pay top dollar for the auto insurance that you need if you don't have to. Most people in Quebec settle for the first auto insurance quote they get and never compare car insurance quotes from a wide range of auto insurance companies. Because of this, they often end up paying far too much for the car insurance Quebec drivers must have by law.

Because researching the different quotes that the individual car insurance companies provide for Quebec could take hours or days to complete if assembled on your own, it's simply much smarter to let Kanetix do the work for you. The cheapest car insurance Quebec drivers can find, can only come through auto insurance comparison shopping.

With the Kanetix - auto insurance quote comparison tool, you'll instantly have the information you need to make a smart decision quickly. An added bonus is that you can compare auto insurance quotes at any time of your convenience, and, of course, the service is free to use.

It's worth checking your Quebec auto insurance rates from time to time.

Individual car insurance rates fluctuate from person to person and are dependant on several factors, including, but not limited to one's previous driving record and auto insurance history. All of these factors may combine and contribute to a reduced auto insurance rate for you at this time. You might be delighted to learn that there could be excellent savings over the car insurance rate that you're currently paying in Quebec. The only way to find out for sure, is to try our free service.

Thankfully, car insurance rates in Quebec can now be quickly and easily researched through the Kanetix - car insurance quote comparison tool, which presents all quotes in an easy-to-compare and easy-to-read format.

Kanetix has teamed up with some of the top insurance companies in Canada who offer car insurance quotes in Quebec. These companies basically compete to be your auto insurance provider by offering you their lowest auto insurance rates. This is a huge advantage to you the consumer. The kind of auto insurance Quebec should have had a long time ago.

We suggest that Quebec drivers check our car insurance quotes now and again. It's surprising how often it's the case that another car insurance provider will offer substantially the same insurance as you currently have for less. We advise checking your auto insurance rate about once every year.

Quickly decide if you're getting the best deal for your car insurance in Quebec. If you find that the auto insurance premium you're paying is far too high, now could be a good time to switch auto insurance providers. Try our free service right now, and make sure that you're getting the cheap auto insurance rates possible for Quebec.

Kanetix - A better way to shop for car insurance quotes in Quebec Province, Canada.

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QUEBEC'S SEAT BELT LAW

Before you and your family get on the rides at an amusement park like La Ronde, you always look at the rules for riding. You make sure that you are tall enough, old enough, and are the right weight for the ride, because you want to be safe and have fun. Navigating the rules and regulations around seat belt safety is like visiting an amusement park; you have to follow the guidelines set out so that you are safe on your trip.

It is very important to wear your seatbelt when you travel in a vehicle. Whether it's a long trip or a short one does not matter. Many accidents happen close to home, and over half of accidents are at a speed of 50 km/h or lower. Wearing your seat belt is not an option. In Quebec, if you don't, or if you don't wear it correctly, you, as driver or passenger, may be subjected to:

  • A fine of $80 to $100, plus three demerit points.
  • A fine or demerit points if you are 14 years of age or older, which may, in turn, prevent you from getting a licence permitting you to drive a vehicle. These penalties also apply if you violate other sections of the Highway Safety Code.
  • A fine of $80 to $100 and three demerit points if you, as a driver or accompanying rider over 14 years of age, do not ensure that passengers are wearing their seat belts correctly.
  • A fine of $200 to $300 if seat belts have been modified, removed or made unusable.
  • Other fees that may be added to your fine provided under the Highway Safety Code.

Fines and demerit points are the least of your worries, however. Seat belts save lives and not wearing a seat belt means you're jeopardizing more than just your personal safety; you're risking your life too.. Currently, nine out of ten people in Quebec wear their seat belts; however, if EVERYONE buckled up, the number of deaths as a result of a car accident would go down. Over 30% of drivers and passengers who die in an auto accident, were not wearing their seat belts. So, wear your seat belt, and wear it properly, by following the rules.

Adults

At the age of 12, most passengers are considered to be the size--or close enough to the size--of an adult, and the adult seat belt safety rules apply. However, drivers are legally responsible for making sure that everyone under the age of 16 in the vehicle is wearing their seat belt. Seat belts have two parts to them - a lap belt and a shoulder belt. To wear a seat belt properly:

  • The lap portion of the belt should sit across the lap of the wearer, low across the pelvis and snug.
  • The shoulder belt should, when the belt is buckled, go over the wearer's collar bone and diagonally across his/her chest. It should also be snug, and should be not be tight or uncomfortable.
  • DO NOT slip the shoulder belt under your arm or behind your back. It is dangerous, and you will be charged.
  • The seat belt should lie flat against the body, and not be twisted, for maximum protection.

Pregnant Women

Some pregnant women believe that they should not wear a seat belt. But, that is not true. Wearing a seat belt protects both mum and baby. When a woman uses the seat belt properly, there is little risk to the baby:

  • Always wear both the lap and shoulder belt. The belt should fit snugly.
  • Ensure that the lap belt is sitting on the body correctly. The lap portion of the belt should sit across the hips and under the belly - NEVER across the belly.
  • Make sure that the shoulder belt is sitting between the breasts, sitting on the side of the belly.
  • The lap belt and the shoulder belt should NEVER sit on the belly.
  • DO NOT slip the shoulder belt under your arm or behind your back. It is dangerous, and you will be charged.
  • The seat belt should lie flat against the body, and not be twisted, for maximum protection.

If you are pregnant and are in a crash, always see your physician. Complications could arise after a crash, whether the crash is minor or serious.

Infants

Infants need special protection when they are in a vehicle. The following rules apply when restraining an infant in a child safety seat.

  • Ensure that the safety seat is suitable for the baby's size and weight.
  • Infants are required to sit in a rear-facing child safety seat until:
    • They are one year old
    • They are able to walk on their own
    • They weigh at least 10 kg (22 lb)
  • The seat should be restrained in the back seat of the vehicle, preferably in the middle.
  • In a truck without a back seat, the child safety seat should be placed in the front middle seat.
  • The child safety seat should not be place where there are active airbags. Deactivate any airbags that are in front of the infant, or, if possible, find a safe spot in the vehicle that does not have any airbags.
  • The safety seat should sit in a semi-reclined position, as this is the best support for the infant.
  • A car seat belt or a Universal Anchorage System (UAS) should be used to secure the seat in the vehicle.
  • Always ensure that the safety seat is secure in its spot. The safety seat is secure when it moves less than 2.5 cm (1 inch) in any direction.

Children and toddlers

145 cm (4 ft. 9 in.)

Children over one year of age, and who weigh more than 10 kg (22 lb), are still required to use a child safety seat until they are at least 6 years old. While they no longer have to sit facing the rear of the vehicle, it is the safest for them which is why there are now seats available that are rear-facing and accommodate a child who weighs from 16 kg to 18 kg (35 lb to 40 lb). It is advised that passengers under the age of 12 sit in the back seat of a vehicle.

When seating a small child in a vehicle, follow these rules:

  • The seat should be restrained in the back seat of the vehicle, preferably in the middle.
  • In a truck without a back seat, the child safety seat should be placed in the front middle seat.
  • The child safety seat should not be place where there are active airbags. Deactivate any airbags that are in front of the infant, or, if possible, find a safe spot in the vehicle that does not have any airbags.
  • To seat two children in child safety seats, place one seat behind the driver side and one behind the passenger side.
  • The safety seat should sit straight up against the back of the seat of the vehicle.
  • A car seat belt or a Universal Anchorage System (UAS) should be used to secure the seat in the vehicle.
  • These seats also require a restraint at the top of the seat. A tether strap, which is a standard part of newer vehicles, should be used to properly secure the seat. If your vehicle does not have a tether strap, contact a professional garage to get one installed.
  • Always ensure that the safety seat is secure in its spot. The safety seat is secure when it moves less than 2.5 cm (1 inch) in any direction.
  • At six years old, or when he/she weighs more than 18 kg (40 lb), a child can sit in a booster seat.
    • A booster seat is not mandatory, but children at this age are usually too small to wear a seat belt only, because it is very uncomfortable for them. A seat belt will sit high on a child's torso and neck, and if there is an accident, the child could suffer some serious injuries. So it makes sense to put them in a booster seat.
    • The booster seat can be secured using the vehicle's seat belt system.
    • A child should use a booster seat until he/she is 9 years old, reaches a weight of 36 kg (80 lb) and a height of 145 cm (4 ft 9 in).
    • Once a child has outgrown the booster seat, she/he will be able to use a seat belt only.

To make sure that a child is ready to use only a seat belt:

  • Ensure that the child has a sitting height of at least 63 cm (2 ft 1 in). The sitting height is measured from the buttocks to the crown of the head.
  • Make sure that the child can sit comfortably on the vehicle's seat, resting against the back of the seat, and with his/her knees bent comfortably at the front edge of the seat.
  • The seat belt, when buckled, should fit properly, with the shoulder strap sitting over the collar bone and across the hips. If the belt sits on the neck or stomach, the child should continue to use a booster seat, even if their sitting height is 63 cm.

    To stay current on child safety seats, and for more information about child safety seats, visit:

www.childcarseat.qc.ca

To learn more about seat belt safety in Quebec, visit:

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auto INSURANCE QUOTE TICKER
Car Insurance Quotes Premium
Customer 23, MONTREAL, PQ
2010, VOLKSWAGEN, GOLF 2.5 WAGON
InnovAssur (National Bank Insurance)$804
SSQ auto$1027
The Co-operators$1151
Allstate $1462
Range of top quotes$658
Customer 19, BLAINVILLE, PQ
2008, CHEVROLET, IMPALA LS V6 4DR
SSQ auto$1383
InnovAssur (National Bank Insurance)$1432
Allstate $2698
RBC Insurance$3551
Range of top quotes$2168
Customer 28, DOLLARD-DES-ORMEAUX, PQ
2011, HONDA, ACCORD EX-L V6 4DR
HB Group$584
SSQ auto$593
Allstate $1231
RBC Insurance$1543
Range of top quotes$959
Customer 23, LAVAL, PQ
2007, HONDA, CR-V EX-L 4DR AWD
SSQ auto$1085
Allstate $1186
RBC Insurance$1907
The Co-operators$2571
Range of top quotes$1486
Customer 20, SHERBROOKE, PQ
2012, FIAT, 500 SPORT 2DR
SSQ auto$1027
InnovAssur (National Bank Insurance)$1310
The Co-operators$2421
Allstate $2879
Range of top quotes$1852
Customer 27, COTE SAINT-LUC, PQ
2014, KIA, FORTE LX 4DR
InnovAssur (National Bank Insurance)$1071
The Co-operators$1340
SSQ auto$1435
Allstate $2640
Range of top quotes$1569
Customer 26, MONTREAL, PQ
2008, SUBARU, IMPREZA 2.5i 5DR AWD
SSQ auto$1155
COSECO$1913
The Co-operators$2026
RBC Insurance$2557
Range of top quotes$1402

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