Are you shopping for a new auto insurance policy or thinking about renewing your current contract? You’re certainly not alone in wanting to find the lowest premium while still enjoying adequate coverage. However, there is no magic formula that guarantees the “cheapest” offer for everyone. Each driver has a unique profile, and each insurer evaluates risks differently. Despite this, it is entirely possible to find more affordable car insurance by considering certain factors and maximizing your chances of getting the best rate. Here are some tips to help you achieve that goal.

1. Use ClicAssure to Save on Your Car Insurance

Shopping for car insurance can be a real headache. Thanks to ClicAssure, you not only have access to multiple offers in just a few clicks, but you also benefit from numerous advantages that can make all the difference when choosing your insurance coverage. Here are some good reasons to use ClicAssure to shop for your car insurance: 

• A Multitude of Options in One Place: Rather than browsing each insurer’s website one by one, you can simultaneously compare multiple policies tailored to your profile. It’s a huge time-saver and provides a clear overview of the different plans available.
• Competition Among Insurers: Companies know they’re being evaluated alongside other providers on the platform, which can encourage them to offer more competitive rates and refine their offers. ClicAssure’s network includes more than 30 insurers across Canada. As of 07 January 2025, customers who went through ClicAssure for their car insurance saved an average of $379.00?
• Advanced Technological Tools: ClicAssure integrates features that help pinpoint your needs and quickly filter options suited to your situation. This simplifies and speeds up the shopping process.
• Confidential, Impartial Service: ClicAssure’s goal is to provide you with proposals matching your criteria, without bias. Your information remains confidential, and you’re free to select the policy that suits you best.
• Online or Phone Quotes: Some users prefer to shop for insurance 100% online, while others prefer to speak directly to a broker. ClicAssure offers both options!
• One of Your Best Chances to Get the Cheapest Insurance in Quebec: By filling out a single car insurance quote on ClicAssure, you greatly increase your chances of getting the cheapest car insurance coverage in Quebec. Instead of filling out dozens of forms and making as many calls, with ClicAssure you only have one form to fill out to find the insurance that saves you the most. 

 2. Understand the Factors That Influence the Price

When insurance companies calculate the cost of a policy, they rely on a combination of criteria related to your driving habits, your vehicle, and your environment. Although each insurer has its own calculation methods, it’s useful to know the main common points that significantly impact your premiums: 

• Driving Record and Claims History: The more you demonstrate an exemplary driving record, the more you’ll be perceived as a safe driver. Conversely, having accidents, tickets, or past claims on your record will generally lead to higher costs.
• Vehicle Characteristics: The value, year, make, model, and popularity of your car influence its theft risk and potential repair costs if damaged. The higher these factors are, the more your premium is likely to rise.
• Place of Residence: Densely populated urban areas can be associated with a higher risk of theft, vandalism, or accidents, which is reflected in the rates. Areas at risk of flooding or other climatic disasters may also be associated with higher premiums.
• Sociodemographic Profile: Age, gender, and even marital status can, in certain cases, influence the premium, although each insurer has its own evaluation method.
• Vehicle Use: A driver who regularly makes long trips or uses their car for commercial purposes can expect a higher premium than someone who only drives a few kilometers per week. 

3. Some Tips to Increase Your Chances of Getting the Cheapest Car Insurance

Once you have a better grasp of how rates are determined, you can use certain strategies to lower your bill: 

• Shop Around and Compare: The first step is to look at several offers, as each company attributes a different value to various risk criteria. This is where ClicAssure’s insurance comparison tool becomes essential for saving on your insurance. By submitting a single quote request on ClicAssure, you’ll receive multiple rates from different insurers. Knowing they’re in competition, these insurers will work to offer you their lowest auto insurance rates.
• Tailor Your Coverage: Some additional coverages might be unnecessary for your situation. Check if you really need optional coverages and adjust them to suit your real needs.
• Increase the Deductible: Opting for a higher deductible generally reduces your monthly premium. However, make sure you can afford this amount out of pocket if you have to file a claim.
• Protect Your Vehicle: Installing an anti-theft device or an advanced security system may qualify you for discounts from certain insurers. Be sure to mention these features when submitting your quote at ClicAssure.com.
• Consider Telematics or Pay-Per-Kilometer Pricing: Some companies offer programs where your driving is measured using an electronic device. If you drive safely or cover only a few kilometers, you could realize significant savings.
• Maintain a Good Driving Record: Minimizing speeding, avoiding accidents, and not accumulating infractions will help you maintain a favorable history, which generally translates to a lower premium. 

4. The Importance of Shopping Around for Every Driver

There’s no universally “cheapest” car insurance policy for everyone: your unique profile can result in significant price differences from one insurer to another. A young, inexperienced driver won’t necessarily benefit from the same company as an older, more experienced driver. The only way to find out is to shop around and compare quotes. 

Online comparison tools can greatly simplify the process. Rather than filling out multiple quote requests one by one, a tool like ClicAssure allows you to receive several proposals from just one form. This way, you save time and increase your chances of finding the most affordable premium for your situation. 

Conclusion 

If you want to find the cheapest possible car insurance, keep in mind that every policyholder has a unique situation that will influence their premium. Sticking with the same insurer without comparing rates can be costly in the long run. By taking the time to shop around, adjusting your coverage to match your actual needs, and using a comparison service like ClicAssure, you’ll give yourself the best chance to find the most advantageous premium. 

There’s no single solution or company that consistently guarantees the best price for everyone, but with the right tools and strategies, you can undoubtedly maximize your savings and enjoy car insurance that’s both affordable and tailored to your situation.