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How to get Ontario car insurance quotes on RATESDOTCA

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We help Canadians make better insurance and money decisions.

Is RATESDOTCA a broker?

No, RATESDOTCA is a comparison website, not a broker. We work with insurance providers, mortgage brokers, and financial institutions to aggregate their available rates so you can compare them side by side. This allows us to publish more rates than anyone else, so you can shop the market and find the best rates for you. You’ve likely already used comparison websites when looking for the best price for hotels or flights. Our services work the same way by showing you all the rates in one place so you can find and select the best deal.

Are there any fees associated with using RATESDOTCA?

Absolutely not! Comparing rates on RATESDOTCA is always free. We make our money from insurance providers and financial institutions for sending them referrals, and from credit card issuers for approved credit card applications originating from our site.. We believe in empowering Canadians to make better insurance and money decisions, which is why the choice to secure the best rate is always yours.

What products can I compare on RATESDOTCA?

You can compare quotes for car insurance, home insurance, travel insurance, life insurance, mortgages and credit cards. RATESDOTCA is your one-stop shop for all your insurance and financial needs.

What provinces is RATESDOTCA available in?

Quotes for car insurance is currently available in Ontario, Alberta & Quebec. We provide comparison quotes for all other insurance, as well as mortgage rates and credit cards, across Canada.

How will the information I provide on the site be used?

Any information that you provide on RATESDOTCA will only be transferred to the insurance or financial services provider that 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.

How do I get the best rates?

Hands down, the easiest way to get the best rates is by shopping around and comparing rates from different brokers, insurance companies and financial institutions. RATESDOTCA partners with more companies than anyone else, giving you the widest selection of rates available.

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How to get the cheapest car insurance in Ontario

Maintaining a conviction-free driving record is, without a doubt, the best way to keep your premiums down, but there are plenty of other ways to save.


  1. Compare quotes: Of course, the easiest way to save money is to compare auto insurance quotes on RATESDOTCA. If you're looking to buy a new car, compare quotes for the vehicles you're considering to see which one is the cheapest to insure.

  2. Increase your deductible: The deductible is what you must pay out of pocket if you file a claim. The more you agree to pay, the lower your premium will be.

  3. Bundle home and auto insurance: If you bundle your home and auto insurance under the same insurance company, you can save 5 to 15% off both policies. This is also called a multi-line discount.

  4. Change into winter tires: Ontario roads face some harsh winter conditions. Save 5% on your car insurance by installing winter tires for the season.

  5. Know what coverage you need: Review your coverage each year and cancel any add-ons you no longer need. For example, cancelling your collision coverage would make economic sense if you drive an older car and buying a new one would be more cost-effective.

  6. Pay annually: If you can pay your premiums annually rather than monthly, you can often save a bit. Some insurance companies offer a discount on the payment of annual premiums upfront.

  7. Drive less: The less you drive, the more you save. If you commute to work via car, switching to transit can slash your premiums. If you don't drive as much as you used to, call your insurance company and let them know.

  8. Driver's education: Most insurance companies offer discounts for new drivers who complete driver training from a Ministry of Transportation accredited driving school. A defensive driving course can also make you eligible for discounts.

  9. Multi-vehicle discounts: Like multi-product discounts, multi-vehicle discount allows you to insure more than one vehicle under the same insurance company to snag a 5 to 15% discount on your premiums.

  10. Group discounts; If you are part of a professional association, union, or non-profit association, you may be eligible for group discounts.

  11. Safety features: Installing approved anti-theft devices or safety features on your car can lead to discounts. Check device eligibility before you purchase and install it.

*Shoppers in Ontario who obtained a quote on RATESDOTCA and transacted via our contact centre from July to December 2021 saved an average amount of $772. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by RATESDOTCA.

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