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Here are some of the most frequently asked questions about insurance aggregators in Canada:
An insurance aggregator is a website, like RATESDOTCA, which compiles insurance quotes from multiple brokers and insurance companies, and displays the rates to users. Though an insurance aggregator does not offer insurance products of their own, they do require a person looking for insurance to provide information in order to present them with the most relevant insurance quotes available from their partners.
Insurance aggregators maintain partnerships with multiple insurance companies, either direct providers, brokers or both. Though an aggregator does not itself provide insurance policies, it helps connect shoppers with companies that do. By acting as a conduit between customers and insurance providers, an insurance aggregator helps shoppers discover all of their options at a glance, rather than requiring they visit the website of each and every insurance company in their province.
Direct writers provide insurance quotes from a single company. Brokers offer quotes from a handful of companies. Aggregators are limited only by the number of partners they have, which usually far exceeds those of a broker. This does not mean insurance aggregators will invariably offer the cheapest insurance quote, only that they will provide the greatest number of quotes. Of course, by offering more options, an aggregator presents the greatest chance for a shopper to find discounts. This means using an aggregator to find your next insurance quote is statistically the most effective way to discover the best available insurance policy.
Insurance aggregators like RATESDOTCA do not charge users for insurance quotes. Aggregators are paid by the direct writers and brokers whose quotes they display to their visitors. Payment from insurance provider to aggregator may be made when a quote is shown to a user, when the user contacts an insurance company whose quote they discovered via the aggregator, or when the user signs up for a policy with the company whose quote they found via the aggregator site. Because aggregators are paid by the insurance companies they work with, the aggregation service is entirely free to the shopper looking for quotes.
