Car insurance : Get a quote and buy online

Panda7 works with Canada’s top carriers, the most trusted insurers in the industry to offer you the most competitive rates from industry leaders.

A laptop, tablet or smartphone with internet connection
A mobile phone number to receive an authentication code by Text / SMS
3-10 minutes of spare time
A valid driver’s license number and your vehicle registration (only required if you decide to purchase insurance online)
A credit card to complete your purchase online

To receive an accurate quote, you should provide your first and last name as written on your driver’s license or vehicle registration.

Providing an accurate date of birth is required to receive a valid quote. All your information should be correct.

Your driver’s license number can typically be located on your driver’s license or vehicle registration. In Quebec, a driver’s license number is composed of 13 characters, starting with the first letter of your last name.

The Vehicle Identification Number or VIN is composed of 17 characters (digits and capital letters) that act as a unique identifier for your vehicle. You can find your VIN on the driver’s side dashboard in your car, specifically near where the dashboard meets the edge of the windshield. You can also find your VIN on your vehicle registration card.

A typical single-car, single-driver policy can be purchased in about 7 minutes – that’s 4 minutes to get multiple quotes and 3 minutes to complete the purchase.

Panda7 can generate quotes for up to 7 insurers depending on the selected vehicle and your driver risk profile. Panda7 is working to add more insurers and offer more choices.

Risk profiles are what insurance companies use to calculate how much money they should charge on your insurance premium. Among other factors, insurers take your vehicle, location, mileage and driving history into account when factoring your price. This is why two people driving the same car will likely not pay the same price.

Panda7 is designed to find the best insurance quotes for Quebec’s most popular vehicles. If your car isn’t listed, simply contact us toll-free at  1-877-777-6968.

Insurers attribute the lowest risk profile to drivers of vehicles that are paid in full, then to financed vehicles, and lastly to leased vehicles. The highest risk profile is associated to vehicles financed with rates above 10% often referred to as a “second or third chance” financing.

Tag (www.tagtracking.ca) is the most effective stolen vehicle and anti-theft recovery system recognized by Quebec insurers. Thanks to hidden RFID wireless tags installed throughout your vehicle and its dedicated mobile tracking teams, Tag is capable of locating and recovering your vehicle in the event of theft.

Depending on the insurer, installing a Tag system on your car can save you up to 25% on your insurance policy and will often covers the cost of the system within the first year. Some insurers may also require a Tag system as a condition for insurance.

Insurers need to know your most frequent or “daily driving itineraries” in order to provide the most accurate rating. Drivers who commute to work on a daily basis typically pay more than drivers who use their cars for grocery shopping and coffee runs.

Panda7 finds the best quotes based on your ticket and claim declaration. Once you purchase a policy, Panda7 will verify your declaration against official government records. Should a discrepancy occur, you will be notified with a price adjustment within the next business day.

It is recommended to make sure no claims or tickets are missed. An incorrect declaration can lead to a fully declined policy in certain cases, or a price adjustment.

Please note that parking tickets should not be declared.

Insurance companies associate a strong correlation between years of driving and safe driving. If you have more than 5 years of driving experience, this typically translates into savings on your auto insurance policy.

You are considered an owner if you purchased, financed or leased a car in your name. Only vehicle owners should purchase policies from Panda7.

The additional driver can be anyone living at the same address.

If you already have an active auto insurance policy purchased through Panda7, you may contact us any time to add a driver or make any other important updates to your policy. To ensure adequate coverage at all times, you should report any significant updates which may affect your policy.

If you already have an active auto insurance policy purchased through Panda7, you may contact us any time to add extra coverage or make any other important updates to your policy. To ensure adequate coverage at all times, you should report any significant updates which may affect your policy.

No. You are considered an owner if you purchased, financed or leased a car in your name. Only vehicle owners should purchase policies from Panda7.

Contact us asap! We are reachable by phone or email from Monday to Friday, 9am to 7pm EST.

Car insurance premiums can fluctuate often. Panda7 does not control the prices returned back across the insurers and only searches across the carriers for the best prices at the time of your search.

For more information on how car insurance premiums are calculated, visit the IBC's page on How Car Insurance Premiums Are Calculated.

Some insurance companies require more information to confirm rates. Some of the reasons may include:

Information entered is wrong, insufficient or missing
Bad credit score
Too many claims
Complex driving history

No. Most insurers will typically offer bundle discounts for putting two or more vehicles on the same policy. If you’ve quoted a policy for two or more cars but need difference coverage start dates for each car, please contact us toll free at  1-877-777-6968 or by email at info@panda7.ca.

Auto insurance quotes can be generated without submitting a driver’s licence number. A valid driver’s license number will however be required to purchase a policy.

As a precaution, some insurers might simply want to take a closer look at your file before granting a final approval. However, it’s important to note that submitting a false declaration can lead to having a future claim denied.

You should use the same address printed on your driver’s license. If you have moved since, use the address listed on the back of your driver’s license card or your temporary driver’s license paper. If you have not advised the SAAQ of a recent address change, visit SAAQ's address changing service

A VIN is a unique identifier for your car. Entering your VIN will confirm that the vehicle make, year and model you selected is correct.

A valid mobile phone number is required to authenticate you as “not a robot” and send you an access code required to view your quotes.

Once you’ve obtained your Panda7 quotes, our prices are guaranteed for 15 days so you can shop confidently, but deep down, we know you’ll be back sooner.

Some insurers offer different programs which may warrant different pricing. For example, Intact Insurance may offer a policy that requires the use of a mobile app to monitor driver behavior as alongside a standard policy that does not require the use of the app. In general, app-based policies will typically be more competitive.

Car insurance premiums can vary significantly between insurance companies due to the rating factors they use, the statistical information they look at, their historical claim data and the cost of doing business.

Since all Panda7 insurers partners offer outstanding consumer satisfaction rating and claims experience, we always recommend choosing the lowest quote so you can put your hard-earned dollars towards something you like. Consider it dinner on us!

All Panda7 insurance policies are valid for 12 months as of the designated start date.

Why not start today? Panda7 lets you shop for insurance any time. Should you decide to purchase a new policy before your current policy’s expiry to “lock in” your rate, you can activate your new policy within 90 days of the date of purchase. Just ensure you have no insurance gap between your old and new policy.

Absolutely! Panda7 lets you buy a new insurance policy any time and activate it within 90 days. Your billing cycle will only start on the date of activation. Just ensure you have no insurance gap between your old and new policy.

Much like any standard contract, insurance contracts also list exclusions that are predetermined by the Insurance Bureau of Canada. For more information on standard exclusions, visit IBC's Know Your Policy page.

At this time, Panda7 services customers residing in “la belle province” only. Policies sold through Panda7 do however cover customers who drive outside the province.

In the province of Quebec, third party liability is a mandatory coverage which protects you against “no-fault” collision damages (in Quebec only), “at-fault” property damage and bodily injury for an accident outside Quebec and “at-fault” material damages caused to a third party. While Panda7 offers a $1,000,000 or $2,000,000 liability limit option, we strongly recommend $2,000,000 for drivers who travel outside of the province.

This section covers damages to your vehicle caused by a collision if you are at fault. The insurance company will apply the selected $500 or $1,000 deductible.

This specifically covers your vehicle in the event of theft, fire, vandalism, wind, hail, water damage as well as damage to your windshield. The insurance company will apply the selected ($250, $500 or $1,000) deductible when there’s a claim.

Absolutely! Panda7 will check in with you 45 days before your policies expiry to note any changes and shop you the best deal possible.

Yes, you can always send us your target price and we will notify once a company can match it.

As a Panda7 customer, you also get 24/7 online access to your account information at panda7.com/claims. During business hours, we’re always reachable by email at info@panda7.ca or toll-free at  1-877-777-6968. You can also follow us on Facebook, Instagram and LinkedIn!

Aside from shopping your policy as much as humanly possible, the best ways to save on your auto insurance premium are to:

Choose a vehicle with low repair costs
Up your deductibles
Bundle your auto and home insurance from the same insurer
Consider adding an anti-theft device like Tag that can save you up to 25%
Drive carefully!

Find your auto insurance now

What Panda7 auto insurance protects

Why customers choose Panda7

Auto FAQ

Get your insurance now

Find your auto insurance now

What Panda7 auto insurance protects

Why customers choose Panda7

Auto FAQ

Which insurers does Panda7 work with?

What do I need to start getting car insurance quotes with Panda7?

Can I use my nickname to get a quote with Panda7?

What happens if I enter the wrong date of birth?

Where can I find my driver’s license number?

Where can I find my VIN number?

How long does it take to buy a car insurance policy with Panda7?

How many quotes can I get with Panda7?

What is a “driver risk profile”?

What happens if my vehicle is not listed?

Why does it matter if my car is owned, leased of financed?

Why is a TAG tracking device important?

How much do I save if I get a Tag system for my car?

What does primary vehicle use mean?

What happens if I can’t remember all claims or tickets in the past 6 years?

Why does it matter at what age I got my license?

Do I need to own the car to get a quote with Panda7?

Can I add anyone as an additional driver?

Can I use Panda7 to add any driver to my existing policy?

Can I use Panda7 to get additional coverage on my existing policy?

Can I use Panda7 to get insurance on someone else’s car?

I bought a policy and realized I made a mistake in one of the steps. What should I do?

Why are the insurer prices I’m seeing higher than my current policy?

Why do I keep seeing “contact us for more details?”

Can I get a bundle discount for insuring two cars with different insurers?

Am I able to get quotes on Panda7 if I don’t have a driver’s license?

What happens if I’ve been cancelled by an insurer in the last 3 years?

What happens if I’ve had my driver’s license suspended in the past 3 years?

Which address should I use?

Why do I need to enter a VIN to purchase a car insurance policy?

Can I enter any phone number?

How long are my quotes valid for?

Why do I see multiple quotes from the same insurer?

Why is the price gap so wide between insurers?

Why should I choose any quote other than the cheapest?

How long are Panda7 policies valid for?

My current car insurance policy doesn’t expire for until a few months from now. How soon can I start shopping on Panda7?

I have an active car insurance policy which is not yet expired. Can I choose my Panda7 policy start date?

What does ‘certain exclusions apply’ mean?

Can I get a quote if I live outside of Québec?

What does third party liability limit mean and how much do I need?

What does collision deductible mean and how much do I need?

What does comprehensive deductible mean and how much do I need?

Will I get a reminder when my policy is up for renewal?

Can Panda7 notify me when rates for my car get interesting?

How can I contact Panda7 for information about my policy?

How can I reduce my auto insurance premium?

Get your insurance now

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