Compare car insurance before choosing the model

All guides

Get quotes for the vehicle you are considering with identical coverage and deductibles. A cheaper purchase can still cost more to insure.

Sources checked : 2026-11-13. Review due by : 2027-02-13.

Compare equivalent protection

AMF recommends shopping for insurance and checking a model’s insurance cost before buying. Use the same coverages, deductibles, distance and usage to avoid misleading comparisons.

A higher deductible generally reduces premiums but increases your share of a claim. Keep it affordable from your available reserve and check lender requirements.

Include premiums in ownership cost

Compare the annual cost, not only an instalment. Quotes vary with vehicle, driver, usage and other contract factors; theft statistics do not establish a personal premium.

AMF recommends checking whether an anti-theft discount justifies a device’s cost. Do not assume a discount for your vehicle without insurer confirmation.

Your checklist

Obtain several quotes before committing to the car.
Compare equal coverage, deductibles and use.
Budget premiums and a deductible reserve.

Worked example

Hypothetical example: saving $15 per month is $180 a year. If the deductible rises by $500, you still need to be able to pay that additional $500. The premium reduction does not remove the risk.

Limits

No personal premium, coverage or eligibility is predicted. Confirm protection with an authorized representative.

One question, if you wish

Have you compared quotes for the model you are considering?

No answer is required. You can save an answer for your advisor in the interactive version; reading does not share anything with a dealer.

Sources

AMF — Six tips to reduce car insurance premiums — 2026-11-13
OPC — Before buying from a dealer — 2026-11-13