Your renewal price is determined by your current insurer based on updated terms and conditions, and it represents the best rate they can currently offer. So, it’s possible for your insurance premium to increase upon renewal, even if you didn’t file a claim.

Not to mention, drivers have seen an increase in premiums due to rising repair costs, attributed to advances in vehicle technology, an increase in car theft, and the increasing use of expensive materials. Meanwhile, homeowners have seen an increase in premiums due to rising material costs, fluctuating interest rates, and a notable increase in natural disasters. These trends, coupled with general inflation, are causing insurance premiums to increase.

How to get a better insurance rate

If you’re unsatisfied with your new rate, you can request a new quote on our website. This will allow you to compare options and see if switching to a different insurer offers a premium closer to what you were paying before.

1. 1. Get your free quote  from YouSet.ca
   2. You will be prompted with a series of questions. Provide accurate and complete answers to all the questions that appear on the screen.
   3. After completing the questions, your quote will be displayed on the screen. An email and text with your quote details will also be sent to you shortly after, allowing you to return to your quote at any time. 

If we are unable to find a better rate for you with a new insurance company after you complete an online quote, please submit a request through your YouSet account. Once we receive your request, a member of our team will explore additional options to help secure a better rate for your renewal.

1. 1. Sign in to your YouSet account
   2. Under your insurance policy, select « Modify Policy »
   3. Select « Need help? »
   4. Follow the steps that appear on the screen