Welcome to LMBF Assurances
LMBF understands that everyone is looking for the cheapest car insurance in Quebec, and we understand that no one wants to pay more than they need to. LMBF helps provincial drivers find affordable car insurance in Quebec without having to cut corners simply to choose the “cheapest” option when it comes to car insurance in Quebec. Although our prices are affordable, we also help you find coverage that fits your needs through our partnerships with the best car insurance companies in Quebec. We do the research for you so you don't have to. Let us find you auto insurance quotes in Quebec today.
Auto insurance in Quebec is different from that in other provinces. This is due to the fact that car insurance in Quebec uses a system that contains both public and private insurance. Quebec's Auto Insurance Act requires a minimum of $50,000 in civil liability, but everything else comes from a private auto insurer. LMBF has established partnerships with some of the top-rated auto insurance companies in Quebec and can help you find a plan that is affordable and fits your needs.
Accident benefits coverage covers you and your dependants if you are injured or even killed in an accident. It can provide compensation for lost income, funeral expenses, as well as medical treatments not covered by provincial health care and rehabilitation treatments.
Optional comprehensive coverage covers your vehicle for damage caused by falling objects, fire, vandalism, and theft, and more. Collision coverage, also optional, covers your vehicle in the event of damage due to a collision with another vehicle or a fixed object. Generally, you can choose the deductible for the two types of insurance that best suits your needs.
In Quebec, car insurance must include civil liability coverage of at least $50,000, although most insurers recommend extending this coverage to 1 or 2 million dollars — especially for those who travel regularly outside of Quebec. Liability coverage covers you if you damage someone else's property or cause injury to another person.
Extensive coverage covering most claims, except for specific exclusions.
Responsibility towards third parties. Simple and essential protection adapted to your situation.
Covers damage to your vehicle as a result of a collision with another vehicle or object.
Allows you to replace an asset without taking into account its depreciation.
Covers additional costs if you can no longer use your home or vehicle as a result of a covered claim.
Avoid an increase in your premium following a first responsible accident.
Protects you if you are involved in an accident with an uninsured or under-insured driver.
Offers compensation in case of injuries (you or your passengers) as a result of a covered accident.
Offers help in the event of a breakdown, including towing and road assistance.
Protects a rental vehicle against covered damage or losses.
Covers certain unexpected expenses related to your trip, such as additional transportation or accommodation expenses.
Covers the difference between the value of the vehicle and the financing balance if your vehicle is declared a total loss.
You can technically lend your car to anyone, provided the person has a driver's license. Suppose, for example, it's your child who borrows your car. You should inform your insurer and add them to the list of occasional drivers to benefit from full insurance coverage. If a neighbor or friend borrows your car and has an accident, that accident will be in their name, but their collision coverage (if they have it) may compensate them for repairs.
The cheapest auto insurance in Quebec is the policy that best meets your needs with the lowest available rate. This does not necessarily mean it is the cheapest option. You never want to cut corners when it comes to essential coverage, as the chosen coverage may not meet your needs. Working with an LMBF insurance broker can help you find auto insurance in Quebec that fits your budget and coverage needs simultaneously.
Auto insurance costs in Quebec are different from other provinces because Quebec uses both a public and private auto insurance system. The public part is covered by annual driver's license fees and is provided by SAAQ. Your individual auto insurance will cost more or less depending on the number of vehicles you drive, your car's make and model, how you use it, your driving record, your insurance history, your location, etc.
Yes, however, the minimum is different from what it is in other provinces. In Quebec, car owners are required to have liability insurance of at least $50,000 if they are held responsible for injuries or property damage to a third party. You must always be able to present proof of insurance if you are driving your vehicle on public roads. This also applies to motorcycles and other motorized vehicles operating on public land. The Insurance Bureau of Canada stated in 2019 that Quebecers pay on average $717/year for their auto insurance.
Auto insurance prices in Quebec and Canada can increase or decrease based on a number of factors, some of which have no connection to you and your driving. As car values increase, especially high-tech cars (like self-driving vehicles, cars with smart safety features and gadgets), the overall replacement cost increases. Higher frequency of weather events can also impact the overall cost of your auto insurance. Finally, fraud cases can increase your insurance prices.
Yes. Modifications, depending on the type and where they were done, can even make your car totally ineligible for insurance. Indeed, not all modifications can be regulated and some can pose a higher risk to your car. Additionally, they can be expensive or difficult to repair or replace.
