COVID-19 Update: We’re here for you.
These are uncertain times, but one thing that is certain is our commitment to you. As an online business, we're set up to help you remotely so you can still take care of your insurance, mortgage and money decisions.
To learn about financial relief, insurance rebates, billing flexibility and other relief efforts offered by insurance and personal finance companies, read our COVID-19 insurance relief guide. You can also use our Covid-19 rebate calculator to figure out how much money these efforts can help you save on your auto insurance premiums during this unprecedented time.
Compare and Save
At Rates.ca, our mission is to help Canadians make better money decisions.
It’s simple, we provide you with tools and information to help you find and choose the best available rates for you. We aggregate rates from Canada’s top insurance and financial providers so you can find the best insurance, mortgages, credit card and banking rates all in one place.
This is why we are Canada’s top destination for the best rates!
Interested In Auto Insurance?
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 our Auto Insurance Guides to learn everything you need to know about the types of products available, coverage types, insurance application process, ﬁling a claim and much more
Credit Cards 101
Credit Cards 101
Credit cards not only help you make purchases and payments, but they’re also a great financial tool that can truly complement your lifestyle. Not all credit cards are the same, and the key is to choose one that matches your spending habits, financial goals, and lifestyle preferences. Whether you’re applying for your very first credit card or looking to upgrade to a credit card that better meets your credit needs, it’s important to research the market before making a decision.
At Rates.ca, you can compare all the top credit cards available in Canada and find the right one for you.
Is your mortgage up for renewal?
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 service for you.
Our mortgage rate comparison service gives you access to the lowest mortgage rates in the country from top brokers and ﬁnancial institutions.
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 Rates.ca Mortgage Guides for information 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 our lineup of mortgage calculators: payment calculator, penalty calculator, affordability calculator, CMHC calculator, reﬁnance calculator, debt consolidation calculator, land transfer tax calculator and rent vs. buy calculator.
How do I get the best rates?
Hands down, the easiest way to get the best rates is by shopping around and comparing offers from different brokers, insurance companies and financial institutions.
How do I get the best insurance rates?
Not every insurance provider offers the same coverage. By comparing quotes from multiple companies, you will be able to see how they stack up. Compare the featured rates, benefits, and discounts offered by each provider, and choose the policy that best suits your budget and needs.
How do I get the best mortgage rates?
Mortgage rates change almost every week, and the cheapest rates do not always mean the best deal. You also have to consider other factors, including the mortgage term and amortization period. Since rates have become so competitive, shopping around online is a smart move.
How do I get the best credit card?
Finding the right credit card means knowing what the different issuers offer in terms of annual fees, cashback, rewards, interest rates and other perks. With offers updated quite often, comparing credit cards side by side will ensure that you are getting the best card that suits your spending habits and lifestyle.
Frequently Asked Questions
Answers to common questions about Rates.ca
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?
Compare quotes for car insurance, mortgages and credit cards. Rates.ca is your one-stop site for all financial products.
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 publishes competing mortgage rates from a variety of brokers and financial institutions. 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.
If you're looking to apply for a credit card but not sure which one you want Rates.ca is your solution! 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.
What provinces is Rates.ca available in?
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 firstname.lastname@example.org 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@example.com
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 firstname.lastname@example.org to request any changes to your subscriptions.
How do I contact Rates.ca?
You may contact us via email at email@example.com or call 1-844-726-0907.