Desjardins Car Insurance Review 2025
Desjardins car insurance is a well-known option for Canadian drivers seeking affordable and comprehensive coverage.
With a range of coverage options and discounts for safe driving, bundling multiple policies, and using winter tires, Desjardins car insurance is a reliable choice.
In this Desjardins car insurance review, we look at its pros and cons, coverage, costs, how to get a quote, and ways to save money on your premiums. You can also use our free tool to compare car insurance quotes based on your unique needs right here.
Desjardins car insurance: 5 key takeaways
- Over 70 years in insurance with a strong focus on customer service.
- Up to 20% off for fuel-efficient, hybrid, or electric vehicles.
- Insure multiple vehicles and enjoy savings of up to 15%.
- Contact Desjardins car insurance phone number for quick customer support.
- Get Desjardins car insurance quotes online and buy a policy online if eligible.
Our Desjardins car insurance review for 2025
Desjardins car insurance is a popular option for drivers in Canada, offering a range of coverage options at competitive rates. The company provides standard coverage for liability, collision, and comprehensive insurance, as well as additional options such as accident forgiveness and roadside assistance.
Desjardins car insurance also offers discounts for safe driving, bundling multiple insurance policies, and using winter tires. Desjardins' Ajusto® program rewards safe driving by offering personalized premiums based on your driving habits. Sign up to potentially lower your rates through safer driving behaviors.
The company offers 24/7 support online and over the Desjardins car insurance phone number, or through its mobile app. Overall, Desjardins is a reliable choice for Canadian drivers seeking holistic and budget-friendly coverage.
But before you decide Desjardins is the right choice for you, you must compare other options. You can do it right here. Use our free tool below to compare the best car insurance plans in Canada and get free quotes now.
Compare Canada's best car insurance plans
Pros
- Affordable coverage options
- Coverage for liability, collision, and comprehensive insurance
- Offers discounts for safe driving
- Bundle multiple insurance policies and save
- 24/7 Desjardins car insurance customer service
- Easy claims process over Desjardins car insurance phone number
- Get Desjardins car insurance quotes online
- Desjardins car insurance login for quick access to services
Cons
- Customer service isn't universally good across provinces
- Limited add-on options
- Some customers experienced a delayed claim process
What does Desjardins car insurance cover?
Desjardins auto insurance provides standard coverage options for drivers in Canada, including:
- Liability coverage
- Collision coverage
- Comprehensive coverage
In addition to these standard options, Desjardins also offers additional coverage options, including:
- Accident forgiveness
- Roadside assistance
- Rental car coverage
- Depreciation waiver
How to get Desjardins car insurance quotes?
- Contact Desjardins directly: You can call Desjardins car insurance phone number at 1-877-699-9923 to speak with a licensed insurance representative who can provide you with a quote and answer any questions you may have about coverage options.
- Visit a Desjardins branch: You can visit a Desjardins branch near you and speak with an insurance representative in person. They will provide you with a quote and can help you customize your coverage options based on your needs.
- Get an online quote: Desjardins also offers an online quote tool on their website. To get a quote online, you will need to provide some basic information about yourself, your vehicle, and your driving history. The tool will then generate a quote based on the information you provided.
Here's a sample quote for your reference:
| Persona | Location | Vehicle Details | Lowest rate | Average rate | Savings |
|---|---|---|---|---|---|
| Female, 40 years | Desjardins Car Insurance Ontario | 2014 FORD EDGE SEL 4DR 2WD | $87/month $1,038/year | $140/month $1,680/year | $54/month (38.21%) |
| Male, 29 years | Desjardins Car Insurance Ontario | 2021 FORD F150 XLT SUPERCAB 4WD | $96/month $1,155/year | $164/month $1,966/year | $68/month (41.25%) |
Desjardins Car Insurance Quebec quote might not be the same as Desjardins Car Insurance Calgary quote. You must get quotes based on your province. You can also check out our complete guides based on provinces for the Best Car Insurance in Ontario, Top Car Insurance in British Columbia, and more.
How much does Desjardins car insurance cost?
The cost of your car insurance policy will vary depending on several factors, including your driving history, the type of vehicle you drive, your location, and the coverage options you select. Here are some of the factors that can affect the cost of your car insurance policy:
- Driving Record: If you have a clean driving record with no accidents or tickets, you may be eligible for lower rates than someone with a history of accidents or tickets.
- Type of Vehicle: The make and model of your vehicle can affect your insurance rates. More expensive or high-performance vehicles may have higher insurance rates.
- Location: Your location can also affect your insurance rates. Urban areas with high traffic and crime rates may have higher insurance rates than rural areas.
- Coverage Options: The coverage options you select can also affect your insurance rates. Adding optional coverage such as collision, comprehensive, or liability coverage will increase your premiums.
- Discounts: Desjardins offers discounts for safe driving, bundling multiple insurance policies, and using winter tires. Taking advantage of these discounts can lower your overall insurance costs.
Good to know
Choosing the deductible also impacts the car insurance premium. The higher the deductible, the lower the premium. If you are new to car insurance, take a look at our car insurance deductible guide and find everything you need to know about deductibles.
How to save with Desjardins car insurance?
Desjardins offers several ways for drivers to save money on their premiums. Here are some of the ways you can save with Desjardins car insurance:
- Safe Driving Discount: Desjardins offers a safe driving discount for drivers who maintain a clean driving record. This discount can save you up to 10% on your premiums.
- Multi-Line Discount: If you have multiple insurance policies with Desjardins, such as home and auto insurance, you may be eligible for a multi-line discount. This discount can save you up to 15% on your premiums.
- Winter Tire Discount: If you use winter tires on your vehicle during the winter months, you may be eligible for a winter tire discount. This discount can save you up to 5% on your premiums.
- Anti-Theft Device Discount: If you have an anti-theft device installed in your vehicle, you may be eligible for a discount on your premiums.
- Accident-Free Discount: If you have been accident-free for a certain period, you may be eligible for an accident-free discount. This discount can save you up to 10% on your premiums.
- Group Discount: If you are a member of a Desjardins-affiliated group or organization, you may be eligible for a group discount on your premiums.
What is Desjardins' Ajusto® program?
Ajusto® by Desjardins rewards safe driving with personalized insurance premiums based on your habits, offering a 10% discount for the first 6 months upon signing up. Utilizing your smartphone's sensors, Ajusto evaluates your speed, acceleration, braking, and phone use while driving to calculate your premium. Sign up through the Desjardins Insurance Home-Auto app, improve your driving habits, and save up to 25% on your insurance.
Desjardins car insurance reviews from customers have been positive for these above savings schemes. So make sure you avail of these offers while buying a policy.
The best way to save on car insurance without sacrificing the quality of your cover is to compare the offers. You can do it right here using our free tool below. Compare multiple car insurance quotes for free and in a few quick steps using our free comparator.
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How does Desjardins car insurance work?
Filing a Desjardins car insurance claim
To file a car insurance claim, you can follow these steps:
- Contact the Desjardins car insurance number 1-888-776-8343 to report the accident and start the claims process.
- Provide details about the accident and supporting documentation.
- Work with a claims adjuster who will work with you throughout the claims process.
- Receive your settlement payment.
How to cancel Desjardins car insurance?
To cancel your car insurance policy, you can follow these steps:
- Call Desjardins customer service at 1-888-277-8726 to cancel your policy.
- Provide your policy details and confirm any fees or penalties.
- Return your insurance documents, such as your insurance card or policy agreement.
- Confirm the cancellation after speaking with customer service.
Is there a Desjardins car insurance cancellation fee?
If you cancel your policy on the renewal date, there are no Desjardins car insurance cancellation fees. Cancelling before the renewal date may incur fees, on top of the cost for coverage until the cancellation date. For exact charges, call Desjardins car insurance contact number at 1-888-277-8726.
Paying Desjardins car insurance online
To pay your Desjardins car insurance online, you can follow these steps:
- Desjardins car insurance login: Go to the website and log in to your account using your username and password.
- Navigate to the "Pay Bills" section and select your car insurance policy.
- Enter payment details.
- Review and confirm payment.
Good to know
If you do not have an online account with Desjardins, you can create one by visiting the Desjardins website and clicking "Sign up" or "Create an account". You will need your policy information and other personal details to create a Desjardins car insurance login.
How to change the address on your policy?
To change the address on your policy, you can follow these steps:
- Log in to your Desjardins account: Go to the Desjardins website and log in to your account using your username and password.
- Navigate to the "Personal Information" section: Once you're logged in, navigate to the "Personal Information" section of your account.
- Edit your address: Locate the "Address" field and click "Edit" to update your address information.
- Verify and save changes: Review the changes you've made to your address information and click "Save" to confirm the changes.
How to contact Desjardins car insurance?
To contact Desjardins in Canada, you can use one of the following methods:
| Contact Method | Description |
|---|---|
| Phone | Desjardins car insurance phone number is 1-888-277-8726. |
| Online Chat | Go to the Desjardins website to get answers to your questions. You can create a Desjardins car insurance login to access these services too. |
| Send an email to [email protected] for general inquiries. | |
| In-person | If you prefer to speak to someone in person, you can visit a Desjardins branch near you. You can find a branch using the locator tool on the Desjardins website. |
