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How to use RATESDOTCA to get the cheapest car insurance rates

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Should I automatically renew my car insurance policy?

The short answer is, probably not. Though some insurance companies offer loyalty discounts for renewing drivings, most Canadians can find a better rate by comparing the market.

Sure, it's tempting auto-renew your car insurance policy - shopping for car insurance isn't the most exciting thing in the world, after all. But Spending just a few minutes can save you up to $676.* There's nothing boring about that!

Besides, RATESDOTCA makes it easy. Just give us the pertinent details for your vehicle and driving record, and we'll present you with the best offer from more than 30 of Canada's most reliable insurance companies.

Our quoting tool is free to use, so there is no harm in a little window shopping. Worse case scenario, you find out you've already got the best rate out there, and can renew confidently, knowing you have made a smart decision.

I want a lower rate now. Why wait until my current insurance policy is expiring?

Technically, you can compare insurance rates and switch providers at any time. However, if you want to cancel an insurance policy mid-term, you typically have to pay a penalty fee. The more time you have left on your policy, the more you may have to pay to break the agreement.

The main benefit to waiting until your current policy term is up for renewal, is that there won’t be a cancellation fee for switching providers.

It might make sense to swap insurance providers mid-term, but only if the new company is offering a significantly lower rate. It ultimately depends on which option will save you the most money.

*Shoppers in Ontario who obtained a quote on RATESDOTCA and transacted via our contact centre from August to December 2020 saved an average amount of $676. 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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