As president of KBD, Curtis aims to simplify insurance for his clients. He’s helped lead KBD to become one of Canada’s fastest 400 growing companies according to the Globe & Mail.
Published on:
Getting an insurance quote in Montreal shouldn’t feel like a guessing game, but between countless ads promising the “lowest rate” and small-print exclusions that can cost you later, it’s easy to make the wrong call.
Whether you’re shopping for home, auto, or bundled coverage, here’s how to get the best quote—without sacrificing protection where it counts.
What Affects Your Insurance Quote in Montreal
Insurance premiums aren’t random. Insurers weigh several factors to calculate your price, including:
- Your address and neighborhood risk profile
- Property value and rebuild cost
- Past claims and credit history
- Vehicle type, driving record, and annual mileage
In Montreal, things like basement flooding, sewer backup risk, and high-traffic zones can all drive prices up. Understanding these details helps you spot where your quote might be inflated—and where there’s room to save.
How to Get a Better Insurance Quote
Here’s how Montreal residents can lower their premiums the smart way:
1) Bundle your policies
Combining home and auto with the same insurer can save you up to 15%.
2) Adjust your deductible
If you can comfortably afford a higher deductible, you’ll reduce your annual premium without losing coverage for major claims.
3) Compare multiple insurers
Every insurer has a different appetite for risk. A broker can shop the market for you, finding the best rate across multiple providers—so you’re not stuck with a one-size-fits-all quote.
4) Review your coverage regularly
As your property, car, or lifestyle changes, your insurance should too. Annual reviews ensure you’re not overpaying for outdated coverage.
Why Work With a Local Broker
Getting a quote through a Montreal-based broker like KBD means you’re not just comparing prices—you’re comparing expertise.
A broker can:
- Explain what each policy actually covers (and what it doesn’t)
- Spot missing coverages like water damage or liability
- Help you avoid underinsurance that could cost thousands after a claim
KBD Insurance has helped Montreal homeowners and drivers find better coverage for over 40 years—by focusing on smart, data-driven savings instead of quick online quotes that miss the details.
Wrap Up
Looking for a quote that fits your lifestyle and your budget?
Get a free, personalized insurance quote from KBD Insurance—Montreal’s trusted broker for home, auto, and business coverage.