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Understanding car insurance premiums

Shopping for car insurance can be tricky, but Desjardins Insurance is here to help clear things up. Here are some factors that can have an impact on your car insurance premium. You can also get a free online car insurance quote or talk to a Desjardins Agent for more information.

Car insurance coverage and deductibles

Insuring a $35,000 car for its full replacement value will cost more than getting minimal coverage for a vehicle worth $500. However, going for the lowest possible car insurance premium now means you might have to pay more in case of an accident. Every province requires you to have a minimum amount of liability insurance. Beyond that, it's a balancing act.

Your driving behaviour

It's no surprise that drivers who get tickets or are involved in at-fault accidents typically pay more for their car insurance premiums. Other factors like where you live and how much you drive will also affect your rates.

Car insurance rates and discounts

Based on the auto insurance policy options you pick and your driving history, an insurance company will quote you a base price. Qualifying for one or more discounts will reduce the cost of your car insurance premium.

Learn more about our discounts and savings

The difference customer service makes

Getting a low car insurance premium is important. It's also important to know that your insurance company will be there for you if an accident occurs.

Desjardins Insurance’s Claim centre and Desjardins Agents are committed to providing exceptional customer service. Whether you need to file a claim or simply have a question, our call centre is available 24/7.


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