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You can compare rates and save using Rates.ca

Rates.ca is Canada's premier destination where you can shop for the best rates! Access to great rates from the top brokers and financial institutions in Canada are just a few clicks away. You will be matched with the products that best meet your needs and have access to providers who can provide you with relevant information to help you make an educated decision.

Interested in Auto Insurance? Fill out a quick online application and have competing quotes appear on your screen within minutes! If you're interested in a particular quote simply provide your contact information to have a licenced insurance representative reach out to you to discuss your quote. You can also browse the Auto Insurance Guides with helpful information from our partners to learn everything you need to know about the types of products available, coverage types, insurance application process, filing a claim and much more! 

Is your mortgage up for renewal? Perhaps you're thinking of purchasing a property and would like to obtain a pre-approval? Thinking of refinancing to take advantage of a better rate or in order to access some available equity in your home? If you've answered yes to any one of these questions, then Rates.ca is the web site for you. You can compare mortgage rates in order to access the lowest mortgage rates in the country from top brokers and financial institutions. You can compare all rates and product features in one spot. If you're interested in a particular mortgage product you can provide your email or phone number to have a licenced mortgage broker reach out to you to complete an application. If you require additional information on mortgages you can look through the Mortgage Guides for information from our partners on the different types of mortgages, mortgage approval process, first time homebuyers information, mortgage refinancing and much more. It's also worthwhile to check out these mortgage calculators: payment calculator, penalty calculator, affordability calculator, CMHC calculator, refinance calculator, debt consolidation calculator, land transfer tax calculator and rent vs. buy calculator.

You can find the best credit cards in Canada on Rates.ca. Whether it's a travel credit card, student credit card, low interest credit card, cash back credit card, business credit card, no annual fee credit card or another popular type of card, we have the selection to meet your needs. Not sure which credit card you need? Simply read the Credit Card Guides for information from our partners on choosing the right credit card, different types of credit cards, your credit score, avoiding credit card fraud and other relevant topics.
Why should you Compare Rates?
There are several important factors that can help you decide which financial product (i.e. car insurance, mortgage, credit card, etc.) is right for you including the rate/price as well as the product features. There is quite a lot of differentiation across financial products and offers from different companies and brokers. How can you possibly know whether you're getting the best product for your needs with the best rate if you haven't shopped around? You can certainly shop around yourself and call/visit and submit applications with different brokers and financial institutions. This process, as you know, is extremely time consuming.

Using Rates.ca you can find rates from dozen of brokers/financial institutions. This means you can find competing quotes all in one spot from the comfort of your own home. Only after comparing a variety of products can you make sure that you're getting the auto insurance policy, mortgage and credit card, which maximize your savings. Rates.ca publishes the rates from insurance providers and connects you with them upon request.
Rates.ca is an unbiased source
Rates.ca is not affiliated with a particular financial institution, lender, insurance company, or insurance/mortgage broker. Therefore, we publish objective and unbiased product comparisons for our users. Rates.ca is also not a registered broker itself nor do we sell our own financial products. This means that you can trust Rates.ca to publish accurate, objective product information.
Products You Can Find on Rates.ca
Use Rates.ca to compare quotes for car insurance, mortgages and credit cards as your one-stop site for all financial products.

Rates.ca Auto Insurance
Use Rates.ca to compare auto insurance rates so you can get a quote within minutes! Either enter your postal code to access our insurance application or your driver's licence number for a much shorter application. We will provide you with accurate auto insurance rates from a variety of companies and connect you with the provider of your choice. Our service is unique in that we update your rate in real time as you're filling out the application while providing full transparency throughout the process! Car insurance quotes are currently available for Ontario and Alberta residents only.

Rates.ca Mortgage Rates
Rates.ca publishes competing mortgage rates from a variety of brokers and financial institutions. You can use our site to compare all the rates in an organized table format which will include information on the ratehold period and pre-payment privileges in addition to the actual mortgage rate. Filter your results by the mortgage type and term to get the mortgage product that best fits your needs. Once you've decided on the mortgage product, you can provide your contact information to connect to one of our partner mortgage brokers.

Rates.ca Credit Cards
If you're looking to apply for a credit card but not sure which one you want Rates.ca is your solution! Use our site to compare rates from dozens of different credit cards by reviewing their features, interest rates, annual fee and rewards. Once you've chosen a credit card that you feel is suitable you can apply for it directly through the credit card issuer's website.
The Rates.ca Advantage
You can compare the best rates in one spot
You can access published rates from top insurance, mortgage and credit card companies
Quick and easy process to obtain an accurate quote
Easy to use
Stay On Top of Your Finances
Sign up to subscribe to our newsletter, receive alerts when rates change or schedule a reminder prior to the renewal of your insurance policy and/or mortgage
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 [email protected] 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 [email protected]
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 [email protected] to request any changes to your subscriptions.
How do I contact Rates.ca?
You may contact us via email at [email protected] or call 1-844-726-0907.
Rates.ca, 360 Adelaide Street West, Suite 100, Toronto, ON M5V 1R7, Canada
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