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The easiest way to save on your insurance!

Combine and save up to 650$² on your home and auto insurance. Make your life easier and trim your budget by having one insurer. Request a combined home and auto insurance quote now!

Save on your car insurance

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Your car accompanies you everywhere you go. Make sure it’s covered, at an affordable price.

Take the road to savings and protection for your vehicle with the help of these tips. Don't waste time – start saving on your car insurance now!

  • Maintain a good driving record
    Follow traffic laws, speed limits and drive safely. This will make you more likely to avoid tickets and convictions, that can appear on your Driver’s License History and possibly increase your premium.

  • Use your vehicle less often
    Instead of using your car, explore the different options available to you: working from home, biking to work, taking public transit or carpooling. All these options also have a positive impact on the environment and help reduce greenhouse gas emissions.

  • Enrol in my Drive TM 3
    By activating my Drive, you can have access to a personalized premium based on the way you drive. Your behind-the-wheel habits could influence the price of your insurance when renewing. Be rewarded for your good driving, enjoy several benefits and become a savvy driver!
  • Insure multiple vehicles
    Do you own multiple vehicles? You could save on your insurance by choosing Intact Insurance for all your vehicles! Protect your recreational vehicle, motorcycle, electric or hybrid car, ATV and snowmobile with the same insurance company and you may be eligible for a discount. Get a quote for all your vehicles at once and you could get a multiple vehicles discount.4

  • Be aware of discounts
    Contact your broker and check if you are eligible for any discounts. There are often discounts available for members of professional groups, for graduates or retirees or for students or families. Educate yourself and start saving on your car insurance! 1
  • Get a more affordable vehicle to insure
    The type of vehicle you drive can potentially influence your car insurance rate. For example, second hand cars are usually cheaper to insure than a brand new model. You can compare car insurance quotes for different vehicles to get an idea of the possible cost.

  • Drive safely
    Reduce the risk of accidents and claims by driving safely and defensively. During the quote, you can mention to your broker that you have taken a defensive driving course. It might be taken into consideration in the calculation of your premium.

  • Choose a higher deductible
    By increasing your deductible, your monthly auto insurance rate may decrease. If you can pay a higher amount in the event of a claim, contact your Intact Insurance representative and request an increase in the amount of your deductible.

  • Equip yourself with an anti-theft system
    Make sure you have the protection that best suits your lifestyle and equip your car with an approved after-market anti-theft system. This could deter potential thieves and reduce your car insurance premium.

  • Compare car insurance quotes from multiple insurance companies
    Find the best car insurance for your needs! Get an online quote with Intact Insurance to find out your rate and any savings that may be available to you. Your broker will have all the information needed to help you choose the coverage that will best protect your car.

Save on your home insurance

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Peace of mind is priceless. Protect your home at a lower price.

Get the right coverage for your home and save on your home insurance with the help of these tips and tricks. Protect more than just four walls; home is what matters to you! ³

  • New construction or a historic house?
    The age of your home will make a difference in the price of your home insurance. Most of the time, older houses or apartments are more expensive to insure, as materials can be more expensive and difficult to acquire, and repairs may take longer to complete. New construction homes are made according to today's building standards and often have guarantees that protect you in the event of a disaster. You are therefore less likely to have to fill out an insurance claim while living in a newer home.
  • Protect yourself from floods and fires
    Take steps to reduce the risk of water and fire damage in your home. As a homeowner, you can install a backwater valve on the home’s main sewer line, an alarmed sump pump or a sump pump with a back-up system to prevent flooding in your home. Already have them? Make sure they are in good condition and maintain them carefully if necessary!
  • Maintain your home with care
    Whether you own or rent, regular maintenance can help you avoid claims and lower the price of your home insurance. A well-maintained home or building may have fewer problems, so fewer claims. The overall condition of your home can make a difference when renewing your home insurance.
  • Increase your deductible
    By increasing your deductible, your insurance premium may be reduced. If you are willing to pay a higher amount for a claim, contact your Intact Insurance broker and request an increase in the amount of your deductible.
  • Target your needs
    Remember to properly value your belongings and make an inventory of what you own, especially your valuables. Then you can choose the right amount of coverage according to the real value of your property. Repeat the exercise annually and see if any changes affect your insurance premium or coverage. Your insurance broker can advise you and accompany you in your approach.
  • Be on the lookout for discounts
    Are you a member of a professional order, student association, union or any other group? You may be eligible for discounts on your home insurance. Don't miss the opportunity to pay less for coverage that fit your lifestyle!1
  • Have an alarm system installed
    By purchasing an alarm system and improving the security of your home, the amount of your home insurance premium could decrease. Have the system connected to a 24-hour control panel or monitoring service for even more security. Before taking any action, be sure to contact your broker or insurance representative to verify that the protections you put in place give you access to a discount on your home insurance and, above all, that they are the ones you really need for your home!
  • Make informed choices
    Your choice of materials can make all the difference when it comes to protecting for your home. The use of certain materials could reduce the price of your home insurance. Make sure you mention this when you talk to your broker during the quote process. When getting a quote, ask your broker about the price difference that may result and make sure you protect what matters to you.
  • Pay off your mortgage
    If you're done paying off your home, you may be eligible for a reduction in your home insurance premium.
  • No claims? Good news!
    Insurance companies consider how often you make claims when calculating your monthly rate. However, don’t let this discourage you from submitting a claim when you need to after an incident. A discount on your premium is not worth sacrificing your peace of mind or that of your loved ones. Our claims adjusters are here to assist you with claims and will accompany you through the entire claims process.
  • Compare home insurance quotes from multiple insurance companies
    Find the best home insurance for your needs! Get an online quote with Intact Insurance to find out your rate, the amount of your premium and any savings that may be available to you. Your broker will be there to help you choose the coverage that will best protect your home.


Do auto and home insurance rates vary by province?

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Yes, they do! Home and auto insurance rates can vary widely across different provinces in Canada. Several factors can influence the insurance rates in Canada, including weather events in each province, insurance fraud, the frequency of car theft, the volume of the population and more. Keep in mind that each province has a different insurance system, and different requirements for mandatory coverage. Check with your insurance broker to find out about the different mandatory, basic and optional coverage you may be eligible for.

How can a new driver pay less for insurance?

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New drivers usually have a higher insurance premium than experienced drivers. Inexperienced drivers are statistically more likely to be involved in an accident, so they are considered more risky to insure. However, there are several options available that could potentially lower the amount of their insurance premium:

  • Take an approved driver training course
  • Take advantage of a discount for students or graduates, if applicable
  • Combine car insurance and home insurance - even if you are a renter!
  • Having a clean driving record without any convictions

Does a red car cost more to insure?

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No! It’s an urban myth that red cars cost more to insure, but the fact is the colour of your vehicle does not influence the price of your car insurance. The main factors that may be taken into account in calculating your auto insurance premium are:

  • Your type of vehicle
  • Your driving experience
  • Your place of residence
  • How often you use your vehicle
  • Your choice of coverage
  • And more!

Is the premium for homeowner insurance (house or condo) higher than for tenant insurance?

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If you're a homeowner, your home insurance coverage includes protection for the dwelling, attached structures, outbuildings, your personal property, as well as personal liability coverage. If you're a tenant, your tenant insurance provides coverage for your personal property against covered losses, as well as personal liability coverage. As more aspects are covered by home or condo insurance, homeowner insurance is usually more expensive. Please note that coverage varies depending on the province in which you live. Ask for a quote or talk to your broker about the coverage included in your home insurance.

How do insurance companies calculate your insurance premium?

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A host of factors influence the calculation of your auto and home insurance premiums.

Your home insurance premium can vary depending on the location of your home, its age and condition, the number of years you have lived there, the type of heating, the proximity of a fire department, how many endorsements you have decided to add to your policy, the number of times you have gone through the claims process and more.

Your auto insurance premium is affected by different factors depending on the province or territory where you live. These factors can include: the driver's age, driving and insurance record, the environment where they live (rural or urban), the type of vehicle, the use of the vehicle, the way you drive, the number of claims submitted to the insurance company and more. Do not hesitate to contact your insurance broker for more details regarding the calculation of your premium.

How can you get a better price for your car and home insurance?

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You can save on your insurance while choosing the protection you need.

  • Combine your home and auto insurance
  • Take advantage of the various discounts available
  • Compare prices from different companies
  • Work with an insurance representative to receive the best advice

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Get a home or a car insurance quote

With so many car and home insurance options, it can be time-consuming and complicated to compare them all yourself. That’s where insurance brokers can help. Talk to a broker today about the coverage you need for your home and vehicle.