Car insurance that fits how you actually drive.
Commuting across Montreal, driving the kids to school, or hitting the road on weekends: you deserve coverage that actually matches your life. We compare rates from 25+ insurers to find the right policy at the right price, and we explain every line so you never sign something you don’t understand.
One quote, ten insurers, no runaround.
Whether you drive a daily commuter, a high-value sedan, a classic on weekends, or a motorcycle in the summer, the right policy is the one matched to your vehicle and how you use it. A direct insurer can only sell you their product. We shop the market on your behalf and bring back the option that actually fits.
Standard car? Get a real rate online in minutes. Anything else, a broker walks you through it so you do not end up with the wrong policy for the wrong reason. It is one of the brokerage services we handle for every client.
Mandatory, standard, optional: what fits your situation.
Quebec auto insurance has layers. We break it down clearly so you know exactly what you’re required to carry, what’s commonly recommended, and what’s worth adding based on your vehicle and lifestyle.
Required by Québec law
Covers bodily injury or property damage you cause to others while driving.
- Civil liability, $50,000 legal minimum
- We typically recommend much higher limits
Collision & upset
Covers damage to your own vehicle when you’re at fault in an accident or your car rolls over.
- Strongly recommended for newer or financed vehicles
- Limits and deductibles matched to your vehicle’s value
Add-ons worth asking about
Endorsements that pay off when life happens.
- Waiver of depreciation
- Accident forgiveness
- Rental car coverage
- Roadside assistance
Coverage for every vehicle you own.
Pick the vehicle that matches yours. A licensed broker handles each quote personally and matches you with the right insurer for the vehicle and how you use it.
Personal vehicles, every type.
Not all vehicles are insured the same way. We specialize in a range of vehicle types, each with its own unique coverage needs. Pick the vehicle that matches yours and a licensed Quebec broker handles the quote personally.
Regular Car
Your everyday car: sedan, SUV, or minivan. We shop the market to find you competitive rates based on your driving profile, postal code, and usage.
High Value Car
Luxury and high-performance vehicles have unique replacement costs. We ensure your policy reflects the true value of your vehicle, not a standard depreciation formula.
Classic & Collector Car
Classic cars are more than vehicles, they’re investments. We work with specialized insurers who understand agreed value coverage, limited use policies, and the care that goes into a collector vehicle.
Truck Insurance
From pickup trucks used for work to heavy-duty vehicles, we tailor coverage to how your truck is used: personal, mixed, or commercial. Payload and equipment coverage available.
Company Car
Vehicles used for business purposes require specific coverage. Personal auto policies often exclude commercial use, so we make sure there are no gaps.
Uber & Rideshare
Driving for Uber or another rideshare platform changes your insurance needs significantly. Personal coverage may not apply while you’re active on the app, so we make sure you’re protected at every stage of the trip.
Snowmobile
Trail riding, transport, and off-season storage all carry distinct risks. Snowmobile coverage with the right liability limits, theft protection, and equipment endorsements for how you actually ride.
Boat
Time on the water, time on the trailer, time in the marina. Boat coverage with liability for guests, hull protection, and motor endorsements built for how you spend your season.
We work for you, not for the insurer.
Going directly to an insurer means you see one set of rates. Working with RK Assurance means we compare the market on your behalf, and we stay by your side long after the policy is signed.
A standard car gets a real rate online in minutes. Anything more specific, a broker walks you through it so you never end up with the wrong policy for the wrong reason. Not sure what you need? Contact us.
Frequently asked questions.
Short answers to what drivers ask us most. Still unsure? A licensed broker replies the same business day.
Is the rate I am given accurate?
Do I pay a fee to get a car insurance quote?
How can I lower my car insurance cost?
What documents do I need for a quote?
Insurance, made easy to understand.
Ready for insurance that works for you?
Get your free quote in minutes, or talk to a Québec broker today.
Questions? Let's talk.
Send a quick message and a broker will contact you the same business day. Real answers, no call-centre runaround.
Message a broker
Tell us briefly what you're looking for. We reply the same business day.