Réduire sa prime auto
Comparer au renouvellement, franchise et combinaisons de rabais
Auto premiums jumped 10-20% across Canada in 2026. The gap between the cheapest and most expensive quote for the same driver is often 30%+.
1. Shop at every renewal
Rate algorithms change constantly; last year's cheapest carrier is rarely this year's. Compare 3-5 quotes — brokers and direct insurers both.
Use our auto calculator to see how age, province and vehicle move the price before you call anyone.
2. Trim coverage you rarely use
On an older vehicle, collision coverage can cost more than the car is worth. Raising deductibles on collision and comprehensive is a fast saving.
Keep liability generous ($1M-$2M) — that is the coverage that protects your assets.
3. Stack the discounts
Defensive-driving courses, telematics apps, low-kilometre, multi-vehicle, bundling, claims-free and automatic-payment discounts can stack to 20-30% combined.
New drivers benefit most from being added to a household policy and from accredited driver training.
Questions fréquentes
When is the best time to switch?＋
At renewal, 30-45 days before your policy ends. Switching mid-term usually forfeits part of the premium and can hurt your continuity discount.
Does raising my deductible really save?＋
Yes — $1,000 vs $500 often saves 5-10%; going to $2,000 saves more. Just make sure you can pay it if you crash.
Are telematics discounts worth it?＋
For safe drivers, yes — 10-30% off. Consider privacy implications and that hard braking or speeding can raise rather than lower your rate.