Insurance brokers are licensed insurance professionals that serve as an advisor and sales point between drivers and insurance companies. They have previously established relationships with select insurance companies of their choosing, usually limited to five to 10 companies, in order to provide a variety of rates. They typically work independently or as part of a brokerage. When you're comparing quotes with InsuranceHotline.com, you can click into the quote to see the name of the insurance broker providing the rate. 

An insurance agent, on the other hand, represents one company. We have several agents in our network of insurance professionals as well in order to provide you with more options. 

To summarize:

Insurance agents work with one company; insurance brokers work with multiple companies; and InsuranceHotline.com works with multiple brokers and agents.

Insurance brokers in Toronto and the rest of Ontario must be licensed in order to sell insurance. An insurance broker in Ontario must have a Registered Insurance Broker designation from RIBO, The Registered Insurance Brokers of Ontario. 

All of  the brokers and agents represented on InsuranceHotline.com are licensed insurance professionals.

InsuranceHotline.com is not a broker or brokerage. We act as a partner connecting you with a network of brokers that allows for easy quote comparison while providing you with access to more than 30 of Canada's most trusted insurance companies. Rather than getting quotes from one broker or one company, you're getting quotes from multiple brokers at the same time. This is how we work to help you save time and money. 

InsuranceHotline.com offers a platform for you to compare quotes, but when it comes time to purchase a policy you're connected directly with the brokerage of your choice. You always have control and you are never under any obligation to buy. 

InsuranceHotline.com is unlike any other comparison site out there. When you compare quotes with us, you compare quotes from a network of brokers, not just one. Then when you purchase a policy, you're connected directly with the broker who provided the quote. This person becomes your insurance advocate. 

By comparing quotes with us, you get the same benefits of a broker: more quote options, a variety of rates and packages, and, if you decide to buy, the personal relationship with the broker that so many drivers prefer. The difference is we provide you with even more options than if you were going to just one broker. We shop the market for you so you don't have to. 

For each quote you're provided, you have the ability to click into it to see who the broker is and have them contact you by phone or email (your preference).

We've made a serious effort to bake as many discounts as possible into the quoting process-from alumni discounts to professional association discounts, to bundling policies, having a clean driving record, increasing your deductible and more. 

One of the benefits of working with a licensed insurance provider through InsuranceHotline.com is you have the opportunity to ask questions about additional discounts that might be available to you that are unique to your situation. For example, if you've recently retired or experienced another life milestone you might be eligible for something we haven't listed.

Our best advice is always to ask! You never know what's available until you inquire.