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Get the cheapest quote by comparing quotes from 30+ insurance companies in a single search!

How to get the cheapest insurance quote

Four easy steps to compare quotes from 30+ insurance companies in five minutes or less

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Why compare insurance quotes from different insurance companies?

Comparing car insurance rates from different companies is the easiest way to save on car insurance, plain and simple. Different companies offer substantially different rates for the same coverage and to the same driver. Here’s why comparing insurance quotes from different insurance companies matters:

  1. Car insurance companies compete: Car insurance providers are regulated under their provincial governing body, but in private markets such as in Ontario, Alberta, and the majority of Canada, car insurance companies operate independently from one another and compete just like any other business.
  2. Your rates depend in part on your company’s claims: A company’s ability to offer you great rates depends not just on your insurance record and driving history, but on their claims history as well. If they’ve processed a lot of claims, their average premiums will be higher.
  3. Your rates also depend in part on your risk group at that particular company: All insurance companies put you in a risk group based on statistical data combined with your age, marital status, driving record and insurance history. Some groups are more likely to make insurance claims than other groups. Let’s say you’re considered part of a particular risk group that happens to make a lot of claims with that particular insurance company, that means you’d face higher premiums at that company than you might at others.
  4. Your risk group might be less at another insurer: Just because one insurer has processed a lot of claims for your particular risk group, doesn’t mean they all have. If you find a significantly lower rate with another company, it may be in part because that company has had better luck with your risk group.
  5. Standard auto insurance policies are the same: The basic auto insurance coverage mandated by your province is the same at all companies, which means all insurance companies are quoting you on the same thing.

In markets such as in the United Kingdom, comparing car insurance quotes on aggregator sites such as this one is the most popular way to shop for insurance. We’re slower to adapt in North America, but more and more, savvy shoppers are recognizing the value of comparison shopping every day.

Compare car insurance quotes today to see if you could be getting a better rate with another company, and join the millions of Canadians who have saved on their auto insurance.

Over $4.4 million in car insurance premiums saved last year

Canadians save millions year after year

There are many ways to save on your insurance premiums, but none are more effective than shopping around. With auto insurance, for example, drivers saved over $4.4 million in premiums last year alone by comparing quotes with InsuranceHotline.com.


Whether you’re looking to pay less for your auto insurance, home insurance, or maybe you’re going on a trip and need travel insurance; getting insurance quotes at InsuranceHotline.com is as simple as 1, 2, 3.

Why use InsuranceHotline.com?

We want to help you save money on insurance because we're drivers, homeowners and travellers too, and we know that everyone loves the feeling they get when they know they're getting a good deal.

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Save money

Drivers, for example, save $427 on average and travellers save as much as 50 per cent after comparing quotes with us.

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Save time

All it takes is a few minutes to compare quotes from our network of over 30 insurers.

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There's no cost to you

There’s no catch or fine print; our service is absolutely free for you to use.

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It's easy and quick

Tell us a little about yourself and your car in three easy steps. That’s really all there is to it!

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Comparison shopping can help you save!

Insurance rates are always changing. Take car insurance, for example. In many provinces, rates change every three months. Car insurance companies typically apply to their respective regulating board to have their rates either increased or decreased. This means that even if you were getting the best rate two years ago, you might not be getting the best rate today. It's just the nature of the car insurance industry, which is why these same regulating boards recommend drivers shop around and compare rates from at least three different car insurance companies before purchasing a policy. 


At InsuranceHotline.com, we take this one step further by empowering you to compare rates from more than 30 of Canada's leading car insurance providers in the time it would take to get just one quote. Millions of Canadians have saved money this way. Find out how much you can save by comparing rates today.

If you've got questions. We've got answers.

If you're wondering about how it all works, the following are some of the most common questions we've heard from customers just like you.

What kind of insurance do I need to shop around for?

No matter what kind of insurance you’re looking to obtain—whether it’s auto, home, travel or life insurance—shopping around is the best way to know for certain that you have the coverage you need at the best possible price.

Will my insurance quotes be accurate?

Yes! The quotes you get are the same quotes you would get if you called each of our insurance partners directly. There is no catch, and you’ll save oodles of time in the process. The insurance quotes are all personalised and unique to you, based on the details you provide. But remember, the quotes are only as accurate as the details you provide, so if any information changes once you’re chatting with the insurance company, your rate may change too.

Will my insurance quotes expire?

The insurance quotations you get today don’t have a set expiry date per se, but that doesn’t mean they won’t change in the days or weeks ahead. If you’ve found a great price on a package that suits your needs, it’s best that you act on it as soon as possible.

How are my insurance quotes calculated?

The insurance quotes you get are no accident. They are all personalised and unique to you, based on the details you provide. The insurance quotes you get are calculated by taking four main factors into consideration:

  • Your personal details
  • Amount of coverage you’re seeking to get
  • The deductibles (if any) that you choose
  • The insurance company that you end up selecting

These four factors are common to virtually all insurance products; the insurance quotes work in a similar manner whether you’re looking for auto insurance, home insurance or travel insurance.

Why does one insurer offer me a better rate than another? Why are my insurance quotes so different?

Insurance quotes can vary considerably from company to company and there’s a whole host of reasons why quotes are different between insurers. Peel it back however, and part of the reason quotes vary typically comes down to three financial factors unique to each insurer:

1. Their claims experience with the group of people they cover

2. The likelihood you’ll submit a claim

3. The competition they face

Together, these factors make it so that each insurer is unique in the price they offer for the product they’re selling, and shopping around for your insurance is the only way to ensure you’re not overpaying for the coverage you need.

Join the millions of Canadians who have compared to save. Get your free online insurance quotes today.

Free and easy

InsuranceHotline.com is a free online insurance rate comparison service that helps you find lower insurance rates. Whether it’s car insurance, home insurance, motorcycle insurance, travel insurance or life insurance we’ll help you find the coverage you need at the best available price.


There’s never any obligation to buy and if you are interested in obtaining the rate presented, we’ll connect with a member of our network who can provide the rate quoted. It’s as simple as 1, 2, 3.