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Have you just purchased your dream vehicle (new or used) from Landry Automobiles Ltée? The excitement is palpable! But wait a minute... what do you have to do before you can hit the road? Store for insurance, of course! In this blog post, we suggest you pay attention to the following 5 points to find the coverage that best suits your needs.
1. Civil liability
Did you know that liability insurance is mandatory in Quebec? It must be at least $50,000. This amount covers damage resulting from a collision (when the insured is not at fault) and damage caused to others. Please note: the Société de l'assurance automobile du Québec (SAAQ) only covers the territory of Quebec. So if you happen to drive outside Quebec, opt for $2 million in third-party liability coverage. Prevent trouble!
2. Deductible amount
The deductible is the amount you pay in the event of a claim. As a general rule, if you increase the amount of your deductible in the event of a claim, you reduce the cost of your annual premium. Considering that no one is immune to an incident (serious or minor), take the time to weigh up the pros and cons before making a decision...
3. Additional protection
Once you've chosen your basic coverage (liability and deductible), you can add various endorsements to your contract. Evaluate your specific needs to determine if any are required. Here are the most popular additional coverages:
• Replacement value;
• Replacement insurance;
• Loss of use of your vehicle;
• Protection for leased or borrowed vehicles.
4. Risk assessment
To determine your auto insurance premium, companies consider several factors in your profile:
• Age;
• Gender;
• Place of residence;
• Vehicle (make, model, year, value, etc.);
• Usage (walking, getting to and from work, etc.);
• Driving record (number of accidents, demerit points, etc.).
You must notify your insurer promptly when your situation changes. By omitting to mention certain information, you may not be compensated after a claim... So be honest!
5. Discounts
Insurance companies offer different discounts to their customers. Find out which ones might apply to you:
• Anti-theft system;
• Double contract (car and home, for example);
• Green car;
• Excellence in your driving record.
At Landry Automobiles Ltée, dealer Dodge, Jeep, Chrysler et Ram in Montreal, Ville St-Laurent, Laval, Blainville and Pointe-Claire, we want you to find the right insurance to avoid any unpleasant surprises. Communiquez avec nous to service your new vehicle!