Automobile Insurance

CAA-Quebec’s official insurers, belairdirect and Intact Insurance, offer members a full range of unique protections at advantageous conditions.

Find out more about their exclusive privileges for you!

Think of belairdirect as your online source for car insurance.	Rather discuss your car insurance needs with a broker?
Or dial 1 888 270-9111	Or dial 1 888 794-6666

Capsule of the month Your auto insurance premium demystified! You may wonder how insurance companies set your auto insurance premium. A number of factors come into play, all of which are related to the probabilities that you’ll be involved in an auto accident. Let’s look at some of the main criteria involved. Type of vehicle The make and model of your vehicle, as well as the cost of its replacement, repairs and parts, directly affect the premium amount. For example, vehicles that are most often stolen cost more to insure. Driving recordIf you have an exemplary driving record – for instance, with no claims or Highway Safety Code violations – you could benefit from a better rate. Age Mature drivers are less likely to have accidents than younger drivers, especially teenagers. Premiums are generally higher for drivers under 25 and over 70. Place of residence The chances of being involved in an accident are greater in large urban centres than in regions. It also applies for the frequency of car theft. That’s why the place where you live is a factor in your premium calculation. Type and frequency of travelThe more time you spend in your vehicle, the greater the risks. If you live far from your work or use your car for your professional activities, this too will be taken into consideration when calculating your premium. In short, nothing is left to chance in setting your auto insurance premium. A rigorous process based on a range of factors is followed to ensure that your premium is fair, equitable and adapted to your personal situation and risk level.  A capsule from belairdirect and Intact Insurance. Insurers do not all offer the same coverages.