{"id":12255,"date":"2026-01-22T05:01:17","date_gmt":"2026-01-22T05:01:17","guid":{"rendered":"https:\/\/youset.ca\/?p=12255"},"modified":"2026-03-16T12:15:13","modified_gmt":"2026-03-16T12:15:13","slug":"ia-car-insurance-vs-youset","status":"publish","type":"post","link":"https:\/\/youset.ca\/en\/blog\/ia-car-insurance-vs-youset\/","title":{"rendered":"iA Car Insurance vs. YouSet: Pros and Cons [2026]"},"content":{"rendered":"\n<p><span style=\"font-weight: 400;\">As a well-recognized and long-established <\/span><a href=\"https:\/\/youset.ca\/en\/car-insurance\/location\/quebec\"><span style=\"font-weight: 400;\">car insurance brand in Quebec<\/span><\/a><span style=\"font-weight: 400;\">, iA car insurance has become a familiar choice for many drivers.&nbsp;<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">But as <\/span><a href=\"https:\/\/www.ibc.ca\/news-insights\/in-focus\/top-five-reasons-auto-insurance-premiums-have-increased\"><span style=\"font-weight: 400;\">car insurance premiums continue to rise<\/span><\/a> <span style=\"font-weight: 400;\"> due to record-high repair costs, pricier materials, historic car theft rates, and increasingly complex vehicle technology, is iA the right choice for you? <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">That\u2019s a decision only you can make.<\/span> <span style=\"font-weight: 400;\">If you\u2019re after a policy that truly balances cost and coverage, iA might be the answer, but there\u2019s only one way to find out.&nbsp;<\/span> <span style=\"font-weight: 400;\">It starts with doing your homework (as you\u2019re doing right now), comparing a range of providers, and weighing the pros and cons of each. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Only then will you know whether iA car insurance is the right choice for you, or if an alternative provider like <\/span><a href=\"https:\/\/www.app.youset.ca\/start?lng=en&amp;externalId=blog\"><span style=\"font-weight: 400;\">YouSet<\/span><\/a> <span style=\"font-weight: 400;\"> can do the same (or more!).<\/span><\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-is-youset-different-from-ia\">How is YouSet different from iA?<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">YouSet combines the convenience of an online platform with the advantages of a licensed insurance broker, while iA is a direct-to-consumer insurer that underwrites and sells its own policies.<\/span>\n\n<span style=\"font-weight: 400;\">As such, there are key differences between YouSet and iA to consider, which you can see outlined clearly in the table below.<\/span><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><\/td><td><strong>YouSet<\/strong><\/td><td><strong>iA<\/strong><\/td><\/tr><tr><td><em>Type of provider<\/em><\/td><td>Digital insurance broker<\/td><td>Direct-to-consumer (D2C) insurer<\/td><\/tr><tr><td><em>Products<\/em><\/td><td>Home, tenant, condo, and car<\/td><td>Home, tenant, condo, car, life, travel, and health<\/td><\/tr><tr><td><em>Number of insurers<\/em><\/td><td>18 insurers (<a href=\"https:\/\/youset.ca\/en\/claims\/\">Full list of YouSet insurers<\/a>)<\/td><td>1 insurer (themselves)<\/td><\/tr><tr><td><em>Price comparison<\/em><\/td><td>Side-by-side comparison, shows multiple quotes<\/td><td>No comparison, only shows one quote (their own)<\/td><\/tr><tr><td><em>Underwriting<\/em><\/td><td>Does not underwrite policies<\/td><td>Direct writer (underwrites its own policies)<\/td><\/tr><tr><td><em>Checkout<\/em><\/td><td>Online checkout or by phone<\/td><td>Online checkout or by phone<\/td><\/tr><tr><td><em>Claims<\/em><\/td><td>Claims handled by the insurer, additional support from YouSet, as needed<\/td><td>Claims handled directly by iA<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ia-car-insurance-pros-and-cons\">iA car insurance pros and cons<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">As with any insurance provider, it\u2019s important to understand what iA offers and what it doesn\u2019t. This is key to helping you determine if it aligns with what you\u2019re looking for in a car insurance provider.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-backed-by-ia-financial-corporation-inc\">Backed by iA Financial Corporation Inc.<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">iA Financial was the <\/span><a href=\"https:\/\/www.insurancebusinessmag.com\/ca\/guides\/the-10-largest-insurance-companies-in-canada-based-on-total-assets-442513.aspx\"><span style=\"font-weight: 400;\">sixth-largest insurance company in Canada<\/span><\/a> <span style=\"font-weight: 400;\"> in 2023 based on total assets, according to Insurance Business Magazine, and has consistently reported strong <\/span><a href=\"https:\/\/www.theglobeandmail.com\/investing\/markets\/markets-news\/Business%20Wire\/35904270\/ia-financial-group-reports-third-quarter-results\/\"><span style=\"font-weight: 400;\">financial results in 2025<\/span><\/a><span style=\"font-weight: 400;\">. Its financial strength and stability help ensure that the company can reliably meet its obligations to policyholders.<\/span> \u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-only-available-in-quebec\">Only available in Quebec<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">As of November 2025, iA car insurance is only available to drivers in Quebec. However, in 2021, <\/span><a href=\"https:\/\/www.insurancebusinessmag.com\/ca\/news\/technology\/ia-financial-acquires-majority-stake-in-surex-315340.aspx\"><span style=\"font-weight: 400;\">iA Financial acquired a majority stake in Surex<\/span><\/a><span style=\"font-weight: 400;\">, an Alberta-based insurance broker. Surex is now part of the iA Financial Corporation and offers car insurance to drivers outside Quebec, though the policies are not under the iA brand.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-discount-for-ia-clients\">Discount for iA clients<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">If you already have life, disability, or critical illness insurance, or one of iA\u2019s savings products, you may be eligible for up to 10% off your car insurance. This could make iA car insurance more appealing to customers who prefer the convenience of having one provider for multiple products.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-limited-online-checkout\">Limited online checkout<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">On the iA website, it is noted that you \u201cmay not have the option of purchasing insurance online\u201d and that online quotes are \u201cestimates for new clients only.\u201d This indicates that a phone call with an agent may be required to verify your details and confirm the final price of your quote.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-range-of-insurance-products\">Range of insurance products<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">In addition to car insurance, iA offers a variety of other coverage options, including home, life, RV, disability, and travel insurance. Like most insurers, they have the option to bundle policies together for additional savings. However, it\u2019s always a good idea to compare the total savings of bundling with a <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/does-bundling-insurance-save-money\/\"><span style=\"font-weight: 400;\">single insurer versus purchasing policies from separate providers<\/span><\/a><span style=\"font-weight: 400;\">.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-restricted-to-ia-products-and-pricing\">Restricted to iA products and pricing<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">If you buy car insurance from iA, your policy will typically be underwritten by the company itself or one of its affiliated companies. If so, it means that you\u2019re limited to their coverage options, pricing, and discounts. By comparison, a <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/perks-of-an-insurance-broker\/\"><span style=\"font-weight: 400;\">digital insurance broker<\/span><\/a> <span style=\"font-weight: 400;\"> like YouSet compares multiple insurers, with different underwriting and pricing structures, to help you find the coverage you need at the best price.<\/span> \u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-small-discount-for-online-checkout\">Small discount for online checkout<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">iA incentivizes customers to buy online with $50 off policies purchased through their website. This is common among insurance providers that traditionally sell policies by phone or receive high call volumes and want to shift more customers to digital channels.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-limited-access-to-in-person-support\">Limited access to in-person support<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">While there are several physical iA Financial locations in Quebec, the one nearest may not offer in-person support for car insurance. The agents working in these local offices typically offer iA financial and wealth management products instead. So, check before visiting to confirm whether the location nearest you can handle car insurance inquiries in person.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ia-vs-youset-car-insurance\">iA vs. YouSet car insurance<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">After getting a quote from iA and doing your own research, it\u2019s always wise to compare the quoted price to a policy from an alternative provider, such as YouSet, to see if that\u2019s truly the best price you can get or if there\u2019s a better deal available.<\/span><\/p>\n\n\n\n<p>Since 2017, YouSet has been making it easier for Canadians to <a href=\"https:\/\/www.app.youset.ca\/start?lng=en&amp;externalId=blog\">buy home and car insurance online<\/a>. Why spend hours manually comparing quotes when our proprietary technology can do it all for you in less than 4 minutes? Not only that, but we\u2019ll also have Canada\u2019s top insurance providers competing for your business, ensuring you get the best price year after year. With over 300,000 users and an average online review rating of 4.9 stars, YouSet is a broker well worth considering.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-best-price-year-after-year\">Best price year-after-year<\/h3>\n\n\n\n<p>YouSet\u2019s algorithms are designed to do one thing &#8211; find you the best price. Not just the first time you buy, either. If your price increases at renewal, we\u2019ll alert you and even help you re-shop with another carrier.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-transparent-renewals\">Transparent renewals<\/h3>\n\n\n\n<p>Anytime a YouSet&nbsp;insurance policy comes up for renewal, our team will make sure you\u2019re paying the best price possible for your policy. If that\u2019s no longer working, we\u2019ll help you re-shop another carrier for a better deal.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-mix-and-match-approach-to-bundling\">Mix-and-match approach to bundling<\/h3>\n\n\n\n<p>YouSet is the only digital broker in Canada that automatically compares the cost of bundling home and car insurance from a single carrier against the cost of mix-and-matching home and car carriers. Whichever option offers the maximum savings is the one we present to you.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-1024x682.webp\" alt=\"YouSet Home and Car Insurance Bundle\" class=\"wp-image-9293\" srcset=\"https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-1024x682.webp 1024w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-300x200.webp 300w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-768x512.webp 768w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-50x33.webp 50w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-1536x1023.webp 1536w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-600x400.webp 600w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN.webp 1981w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"h-buy-manage-and-renew-your-policy-online\">Buy, manage, and renew your policy online<\/h3>\n\n\n\n<p>How much easier would it be if you could purchase a policy, personalize it to fit your needs, make modifications to it, and renew it, all without having to make any phone calls or wait on hold? With YouSet, you can do all that and more with our self-serve features.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-highly-reviewed-by-canadians\">Highly reviewed by Canadians<\/h3>\n\n\n\n<p>With an overall <a href=\"https:\/\/www.google.com\/search?q=youset+google+reviews&amp;rlz=1C1VDKB_enCA1096CA1096&amp;oq=youset+google+reviews&amp;gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIICAEQABgWGB4yCggCEAAYgAQYogQyCggDEAAYgAQYogTSAQg0MjEyajBqN6gCALACAA&amp;sourceid=chrome&amp;ie=UTF-8#lrd=0x4cc91be2cf84ad7b:0x343519cea81a6cc2,1,,,,\">rating of 4.8 out of 5 stars on Google<\/a>, the general consensus among YouSet users is that YouSet is making it easier to find affordable insurance and buy it online at the best price year after year.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As a well-recognized and long-established car insurance brand in Quebec, iA car insurance has become a familiar choice for many drivers.&nbsp; But as car insurance premiums continue to rise due to record-high repair costs, pricier materials, historic car theft rates, and increasingly complex vehicle technology, is iA the right choice [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":12256,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[459],"tags":[],"class_list":["post-12255","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.5) - 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