{"id":9694,"date":"2024-01-23T07:04:00","date_gmt":"2024-01-23T12:04:00","guid":{"rendered":"https:\/\/test-vez.catalyseweb.com\/?p=9694"},"modified":"2024-05-28T09:52:05","modified_gmt":"2024-05-28T13:52:05","slug":"7-factors-that-affect-your-premium","status":"publish","type":"post","link":"https:\/\/www.groupevezina.com\/en\/7-factors-that-affect-your-premium\/","title":{"rendered":"7 factors that affect your premium"},"content":{"rendered":"\t\t
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7 factors that affect your premium<\/h1>

Insurers take various factors into account to set your auto insurance premium, such as the type of vehicle you own, the people who drive it and the coverage you\u2019ve chosen.<\/strong><\/h5>
1. What car you drive (type of vehicule, make, model, year, value, repair costs, equipment, etc.)<\/strong><\/h5>

It costs more to insure a car that has expensive parts.<\/p>

2. What you use your car for<\/strong><\/h5>

Does your son or daughter sometimes drive your car? Will you drive to work in your vehicle? Let your insurer know. It’s not a good idea to leave out certain information. In case of a loss, your omission will affect the amount you’ll receive for damages. And in some cases, you may receive no payment at all.<\/p>

Speak to your agent or your insurance broker about your situation to take informed decisions and be sure to indicate how you will use your vehicle.<\/p>

3. Where you live and where you use your vehicle<\/strong><\/h5>

You may more easily be the victim of a car accident or theft in a large city.<\/p>

4. Driver profile (age, sex, etc.)<\/strong><\/h5>

Claim requency varies considerably according to the driver’s profile.<\/p>

5. Coverage and deductibles chosen<\/strong><\/h5>

A higher deductible may lower your insurance premium.<\/p>

6. The number of accidents you’ve had and the number of claims you’ve made, whether or not you were at fault<\/strong><\/h5>

This information can be found in the claims data base Fichier central des sinistres automobiles.<\/p>

7. Your driving record at the Soci\u00e9t\u00e9 de l’assurance automobile du Qu\u00e9bec (SAAQ)<\/strong><\/h5>

It contains information on your driving experience and your demerit points.<\/p>

Credit record<\/strong><\/h5>

Can your insurer access your credit record? Most insurers use the information to quote you a fairer premium. You have the right to refuse. However, you should know that you may not get the most advantageous premium.<\/p>

Determine the deductible<\/strong><\/h5>

The deductible is the amount you\u2019ll have to pay when you make a claim. This deductible applies when you file a claim for an at-fault accident. If you file a claim for a no-fault accident, there is no deductible to pay.<\/p>

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Source: Infoassurance.ca<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Insurers take various factors into account to set your auto insurance premium, such as the type of vehicle you<\/p>\n","protected":false},"author":18,"featured_media":17996,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_seopress_analysis_target_kw":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[18],"tags":[330,358,266,265,42,60,46,254,105,61,47],"class_list":["post-9694","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vehicle-insurance","tag-advice-en","tag-assurances-vehicules-en","tag-automobile-en-2","tag-automobile-en","tag-automobile","tag-car","tag-insurance","tag-protection-en-2","tag-responsability","tag-tips","tag-vehicle"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/posts\/9694","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/comments?post=9694"}],"version-history":[{"count":1,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/posts\/9694\/revisions"}],"predecessor-version":[{"id":18766,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/posts\/9694\/revisions\/18766"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/media\/17996"}],"wp:attachment":[{"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/media?parent=9694"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/categories?post=9694"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/tags?post=9694"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}