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Rates.ca Car Insurance
Welcome to Canada's premier destination for the best Ontario and Alberta car insurance rates! Whether you're a brand new driver looking to get auto insurance for the very first time, an existing driver with a policy up for renewal or a curious shopper simply interested in knowing whether you're getting a good deal on your existing policy, Rates.ca is the service for you.

Our comparison service makes it possible for you to obtain quick car insurance quotes in a matter of minutes. Avoid having to shop around with several insurance companies and instead use Rates.ca to access all the best auto insurance rates all in one spot!

Using Rates.ca is as simple as 1-2-3! To get accurate quotes and start saving on your policy you will need to:
  • Provide your vehicle information
  • Provide your driving history
  • Connect with the insurance provider whose quote you're interested in
  • Introduction to car insurance in Canada
    Car insurance is there to provide you with financial protection against traffic accidents and the resulting liability arising from damage to the vehicle, property, as well as injury/death. Car insurance can also provide coverage for theft or damage to your vehicle not necessarily caused by a traffic accident (i.e. fire). There are many types of coverages so having a general understanding of the various options at your disposal can be very beneficial. A licenced insurance broker/agent can also provide the needed guidance and help you choose the appropriate insurance coverage for you.

    All the details pertaining to your automobile insurance can be found in the certificate of insurance policy. This document provides all the pertinent information such as the term of your policy and all the included coverages and respective limits.

    Whether you're looking to buy a car, lease one or already have a vehicle, auto insurance is something that you should keep in mind. So do you have to insure your vehicle? It's a definitive yes! In order to drive a vehicle in Canada the law requires you to have valid auto insurance coverage. The risk of operating a vehicle without auto insurance is quite severe. If caught the party could face hefty fines, driver licence suspension, difficulty obtaining auto insurance in the future and vehicle impounding.
    Purchasing auto insurance
    Auto insurance can be purchased from a variety of sources outlined:

  • Insurance Brokers - licenced individuals who sell several insurance companies' products.
  • Insurance Agents - licenced individual who generally sell only one company's insurance products.
  • Insurance Companies - certain insurance companies are able to sell directly to the consumer.
  • Car insurance rates
    There are many factors that are taken into account by insurance companies when providing you with an insurance price quote.

    Vehicle Type
    The type of vehicle you drive impacts the premiums you pay. Think of it this way. If you bought a sports car, are you more likely to speed? If so, does this increase the probability of you being involved in an accident? How much you drive will also affect your premiums which is why you are always asked to provide your approximate vehicle usage when filling out a form to obtain a quote. The more you drive the higher the chance that you could be involved in a motor vehicle accident.

    Driving history
    Individuals with a clean driving record would generally pay lower premiums relative to individuals with tickets and/or accidents on their record. Other factors such as the length of your driving history also matter.

    Demographics
    Where you live matters when calculating insurance premiums. Areas with higher occurrences of theft and collisions would result in higher premiums. Your age also has an effect on your coverage to the extent that if you are 25 years old or older you will generally pay much less to insure your vehicle. This is based on the notion that young new drivers are not as experienced and are therefore more likely to be involved in a traffic collision.

    Coverage type
    The larger the scope of the coverage and the higher the coverage limits you choose, the higher the premiums you will pay. The deductible, the portion that you must pay out of pocket as a result of a claim, is also important in the calculation of your insurance cost. The higher the deductible you choose the lower your automobile insurance premiums will be.

    Discounts
    Some insurance companies will provide you with discounts if you meet certain criteria. Discounts can range from winter tire discounts to multi-vehicle discounts. Every insurance company treats discounts differently, so make sure to inquire in order to take advantage of reduced premiums.

    It is also important to note that you are likely to pay different premiums for the exact same policy offered by different insurance companies. This is because premiums vary across companies. Insurance companies have unique factors and risk profiles affecting how they determine the cost of the coverages they provide. This is why using Rates.ca to shop around for car insurance online is so important! Our site allows you to compare car insurance quotes and choose not only cheap insurance but also one that is best suited for your needs. Get insurance quotes today for your vehicle by clicking here.
    Availability of the Rates.ca vehicle insurance service
    Currently if you live in the province of Ontario and Alberta we are able to provide you online auto insurance quotes. Therefore, if you live in Toronto, Ottawa, Mississauga, Brampton, Hamilton, London, Oshawa, Etobicoke, Kitchener, Windsor, Calgary, Edmonton, Red Deer, Lethbridge or most other locations in the provinces of Ontario and Alberta we are able to offer you quick and easy car insurance quotes. We are, however, working hard on ensuring that our service becomes available in other provinces in the near future.

    Compare Ontario auto insurance rates today and start saving!
    How to save on your car insurance with Rates.ca
    Answer a few basic questions about yourself and your vehicle to get started
    Get multiple quotes from top insurance companies within minutes, all for free
    Choose one of the quotes and start saving!
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    FAQ
    Are there any fees associated with comparing rates on Rates.ca?
    Comparing rates on Rates.ca is absolutely free! We get paid by the brokers and financial services companies we work with so our service always remains free for the consumer.
    What products can I compare on Rates.ca?
    Currently you can compare car insurance quotes, mortgage rates and credit card offers.
    What provinces is Rates.ca available in?
    Car insurance is currently only available to Ontario & Alberta residents. Mortgages and credit cards are available across Canada.
    How will the information I provide on the site be used?
    Any information that you provide on Rates.ca will only be transferred to the financial services provider who you've chosen to share it with in order to fulfil your request. We will not sell your information to any third parties without your consent.
    Is Rates.ca a broker?
    Rates.ca is not a broker and is not affiliated with any particular financial services company. This allows us to take an objective/un-biased position in helping you compare products on our site.
    How does Rates.ca make money?
    We get compensated by insurance and mortgage brokers for referrals we send to them and by credit card issuers for approved credit card applications originating from our site. We only send referrals to our partners when you indicate that you want to be contacted by them. We do not sell your information to third parties without your consent.
    How do I change my email address?
    If you're subscribed to one of our services you can change your email on the Subscriptions page. Every one of our emails also contains a link at the bottom to edit your subscription and change your email. Lastly, you can send an email to support@rates.ca to request the change.
    Does it matter what browser I use to access Rates.ca?
    Rates.ca is compatible across all browsers and devices. If you do however spot an issue using a particular browser/device please notify us by emailing support@rates.ca
    How do I change my subscription preferences?
    Simply click on "Edit Existing Subscriptions" at the top of the Subscriptions page. You will be promoted to enter your email and check your inbox for an email from us containing a link to edit your current subscriptions. Every Rates.ca email also contains this link at the bottom. You will be able to change your subscriptions as well as unsubscribe. You may also email support@rates.ca to request any changes to your subscriptions.
    How do I contact Rates.ca?
    You may contact us via email at info@rates.ca
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